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Low Interest Credit Card offers

Compare competitive interest rates on credit cards below. These credit cards feature 0% introductory APR rates on balance transfers or purchases or both. Once the balance transfer offer or purchase offer expires, these cards still boast reasonable interest APR's on the default rates. (From our Partners)

Petal® 2 "Cash Back, No Fees" Visa® Credit Card


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  • No annual fee– in fact, no fees of any kind
  • Up to 1.5% cash back on unlimited everyday purchases (1% right away increases to 1.25% after 6 monthly on time payments and 1.5% after another 6 monthly on time payments)
  • 2-10% cash back at select local and national merchants
  • See if you’re pre-approved in minutes without impacting your credit score
  • No Credit Score? No problem. Credit history isn’t required for approval
  • Build credit alongside hundreds of thousands of Petal card members
  • Petal reports to all 3 major credit bureaus
  • Pay with ease with a contactless card or on your phone using Apple Pay, Google Pay, or Samsung Pay
  • Zero liability fraud coverage
  • No security deposit required
  • Card issued by WebBank

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Regular APR: 29.49% - 31.49% Variable
Annual Fee: $0
Credit Needed: Excellent, Good, Limited History, No History, Limi
Late Payment Fee: $0
Upgrade Cash Rewards Visa®

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.


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  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • 1.5% unlimited cash back on every purchase
  • No annual fee
  • See if you qualify in seconds with no impact to your credit score
  • Combine the flexibility of a card with the predictability of a personal loan
  • Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more
  • Up to 10% cash back from your favorite brands with Upgrade Shopping
  • Contactless payments with Apple Pay® and Google Wallet™
  • Mobile app to access your account anytime, anywhere
  • Use your card anywhere Visa is accepted
  • Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy

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Intro (Purchases): N/A
Intro (Balance Transfers): N/A
Regular APR: 14.99% - 29.99% APR
Annual Fee: $0
Credit Needed: Excellent, Good, Fair, Average
Rates & Fees
Petal® 1 "No Annual Fee" Visa® Credit Card


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  • No annual fee, and no security deposit required
  • 2-10% cash back at select local and national merchants
  • See if you’re pre-approved in minutes without impacting your credit score
  • No Credit Score? No problem. Credit history isn’t required for approval
  • Build credit alongside hundreds of thousands of Petal card members
  • Petal reports to all 3 major credit bureaus
  • Pay with ease with a contactless card or on your phone using Apple Pay, Google Pay, or Samsung Pay
  • Zero liability fraud coverage
  • Card issued by WebBank

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Regular APR: 29.49% - 34.49% Variable
Annual Fee: $0
Credit Needed: Fair, Limited History, No History, Limited, No Cre
Late Payment Fee: Late fees up to $29 for first late payment, $40 for second late payment.
Upgrade Triple Cash Rewards Visa®

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.


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  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • 3% unlimited cash back on every purchase in Home, Health, and Auto categories
  • No annual fee
  • Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
  • Up to 10% cash back from your favorite brands with Upgrade Shopping
  • No touch payments with contactless technology built in
  • See if you qualify in seconds with no impact to your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Use your card anywhere Visa is accepted
  • Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy

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Intro (Purchases): N/A
Intro (Balance Transfers): N/A
Regular APR: 14.99% - 29.99% APR
Annual Fee: $0
Credit Needed: (620+) Excellent, Good, Fair, Average
Rates & Fees

See also Balance Transfer Credit Cards and Gas Rewards Credit Cards

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  • Compare our current best credit card offers to find the one that best suits your needs
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  • Earn 1.5% cash back on all purchases or 2X points on travel and dining expenses
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  • Terms may vary by partner offer. Please see each bank's application for terms and conditions
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Intro (Purchases): See website for Details*
Intro (Balance Transfers): See website for Details*
Regular APR: See website for Details*
Annual Fee: See website for Details*
Credit Needed: Average/Fair/Limited/Poor/Good/Excellent

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The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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