Best 0% APR and Low Interest Credit Cards of June 2025

Why Choose a 0% APR or Low Interest Credit Card?

Opting for best 0% APR and low interest credit cards offers several advantages:

1. Avoid High Interest Charges: With 0% APR on purchases or balance transfers, you can avoid accruing interest for a set period, which gives you time to pay off your balance without paying extra in interest.
2. Save Money: Low interest credit cards can help you save money in the long run if you carry a balance, as they charge lower rates than traditional credit cards.
3. Pay Down Debt Faster: With 0% APR, your payments go toward the principal balance rather than paying off interest, allowing you to pay down debt faster.
4. Manage Finances More Effectively: Using a 0% APR card for balance transfers or purchases simplifies your financial life, as you avoid higher interest rates on multiple credit cards.

Best 0% APR and Low Interest Credit Cards of June 2025

Here’s a comparison of some of the best 0% APR and low interest credit cards available in June 2025. These cards offer a variety of benefits, including long introductory periods and low ongoing APR rates, so you can choose the one that works best for your needs.

1. Chase Freedom Unlimited®

The Chase Freedom Unlimited® card offers a 0% intro APR on purchases for the first 15 months. After the promotional period, the APR ranges from 19.24% to 27.99%. It also provides 1.5% cash back on every purchase, making it a great option for those looking for a best 0% APR and low interest credit card with rewards. Additionally, the card has a balance transfer fee of 5% for the first 60 days, and then 3% afterward, allowing you to transfer balances at a competitive rate.

2. Citi® Double Cash Card

The Citi® Double Cash Card is a great option for those looking for long-term benefits. It offers a 0% intro APR on balance transfers for 18 months, giving you ample time to pay off transferred balances without incurring interest. After the intro period, the APR varies between 18.49% and 28.49%. Plus, you earn 2% cash back on all purchases—1% when you make a purchase, and an additional 1% when you pay it off. The balance transfer fee is 3% of the transfer amount.

3. Wells Fargo Active Cash® Card

With 0% APR for 15 months on both purchases and balance transfers, the Wells Fargo Active Cash® Card is an excellent choice for those who need flexibility. The card also offers 2% cash back on all purchases, with no categories or spending limits. After the intro period ends, the APR ranges from 19.99% to 29.99%. The balance transfer fee is 3% for the first 120 days, and then 5%. This card is ideal for anyone looking for a simple, no-fee option with a great cash back rate.

4. U.S. Bank Visa® Platinum Card

For those who need an extended introductory APR period, the U.S. Bank Visa® Platinum Card offers the longest 0% APR period—20 months on both purchases and balance transfers. This makes it the ideal choice for those with larger balances that need more time to pay off their debt. The APR after the promo period is between 18.24% and 28.24%, and the balance transfer fee is 3%. There’s no annual fee, and the card provides flexible payment options, making it a top contender for the best 0% APR and low interest credit cards.

5. Discover it® Cash Back

The Discover it® Cash Back card offers 0% APR on both purchases and balance transfers for the first 14 months. After the intro period, the APR will range from 17.24% to 28.99%. This card also provides cashback rewards, including 5% cash back on rotating categories each quarter (up to the quarterly maximum), and 1% on all other purchases. Additionally, Discover matches all the cashback you earn in your first year, making this an excellent card for those who want to combine debt management with rewards.

6. Bank of America® Customized Cash Rewards

The Bank of America® Customized Cash Rewards card provides 0% APR on purchases for 15 months, with a regular APR of 17.99% to 27.99% afterward. This card offers the flexibility of earning 3% cash back in categories of your choice, 2% at grocery stores and wholesale clubs, and 1% on all other purchases. With no annual fee and a 3% balance transfer fee, this card is an excellent option for those seeking a best 0% APR and low interest credit card with customized rewards.

Conclusion

The best 0% APR and low interest credit cards available in June 2025 offer a range of benefits designed to help you save money and manage your debt effectively. Whether you’re looking to transfer existing balances, make new purchases, or earn rewards, there’s a card that fits your needs.

By comparing the cards outlined above, you can find the best option based on your financial situation, such as how long you need to pay off your debt, what rewards you’re looking for, and the types of fees that fit within your budget. Be sure to read the terms carefully to understand the length of the 0% APR period, the regular APR after the promo period, and any fees associated with balance transfers.

Choose the card that best aligns with your financial goals and start saving today!