A low or no interest credit card can be a great personal finance tool. Whether you’re making a large purchase that you want to protect or you want to earn rewards on your purchase, some of the best credit cards of 2022 can be great to have in your wallet.

Here are the top 0% APR and low interest credit cards to choose from for 2022.

Wells Fargo Active Cash Card

The Wells Fargo Active Cash Card has an introductory purchase and balance transfer APR of 0%. It has a healthy welcome bonus and offers unlimited rewards in any spending category. With no annual fee, it’s no wonder many people apply for this card.

Features

• 0% APR on purchases and balance transfers for 15 months
• No annual fee
• $200 cash reward if you spend $1,000 in the first three months
• Earn 2% cash rewards on any purchase
• Regular APR 14.99% – 24.99%
• No categories to track or activate to get rewards

Chase Freedom Flex

If you have excellent credit, the Chase Freedom Flex is a great cashback credit card with high rewards and no annual fee. It offers a 0% APR on purchases and balance transfers for the first 15 months. With no annual fee and excellent rewards, this is a highly sought after credit card.

Features

• 0% APR on balance transfers for 15 months
• No annual fee
• $200 bonus after you spend $500 in the first three months
• Earn 5% on all purchases in the current bonus categories; 5% back on travel booked through Chase Ultimate Rewards; 3% cash back on drugstore and dining out and 1% cashback on everything else
• Regular APR 14.99% – 23.74%

Discover It Balance Transfer

The Discover It Balance Transfer credit card is a great way to earn great bonuses as Discover matches all your cashback earned in the 1^st year. The introductory purchase APR is shorter than some other cards on the list, but the high cash back awards are a great incentive. With its high cash back percentages and low APRs, it’s a great credit card to consider.

Features

• 0% APR on purchases for 6 months and balance transfers for 18 months
• No annual fee
• Unlimited cash back match on all cash back earned in the first year
• Earn 5% cashback on select purchases in specific categories quarterly and 1% on everything else
• Regular APR 11.99% – 22.99%

Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards credit card is easy to use because there aren’t any specific categories you must spend to earn cash back. You need good credit to get the card, but if approved, you’ll enjoy 1.5% cash back on your purchases from anywhere.

Features

• 0% APR on purchases and balance transfers for 15 months
• No annual fee
• $200 bonus after you spend $500 in the first three months
• 1.5% cash back on all purchases in any category
• Regular APR 14.99% – 24.99%

Citi Custom Cash Card

The Citi Custom Cash card offers a handsome bonus for spending $750 in the first three months and has a 0% APR on purchases and balance transfers. You need good to excellent credit to get the card, but if you qualify, it offers many nice benefits.

Features

• 0% APR on purchases and balance transfers for 15 months
• No annual fee
• Bonus 20,000 Thank You Points ($200) for spending $750 in the first three months
• Earn 5% cash back on in the category you spend the most each month and 1% on all other purchases
• Regular APR 13.99% – 23.99%

Discover It Chrome

If most of your spending is at the gas station (whose isn’t these days) and restaurants, the Discover It Chrome card is a great choice. You’ll earn more cashback for your gas station and restaurant purchases, but still earn money back on all other purchases too. 

Features

• 0% APR for 15 months on purchase and balance transfers
• No annual fee
• Earn 2% cash back at gas stations and restaurants and 1% everywhere else
• Regular APR 11.99% – 22.99%

Bank of America Customized Cash Rewards Credit Card

You’re the boss with the Bank of America Customized Cash Rewards credit card. You decide which category you’ll earn 3% cashback in, making the card work for you. With no annual fee and no expiration date on rewards earned, it’s a great credit card to have and earn rewards the way you want.

Features

• 0% APR on all balance transfers and purchases for the first 15 months
• No annual fee
• Earn a $200 bonus if you spend $1,000 in the first three months
• Earn 3% back in the category you choose; 2% cash back at grocery stores and wholesale clubs, and 1% cash back everywhere else
• Regular APR 13.99% – 23.99%

Chase Freedom Unlimited

The Chase Freedom Unlimited card is great for those who travel a lot. The rewards offered for travel are among the highest out of any credit card out there today and the card doesn’t have an annual fee. Save even more money with the 0% APR on purchases and balance transfers for 15 months and you have yourself the perfect card for travelers.

Features

• 0% APR on all purchases and balance transfers for the first 15 months
• No annual fee
• Earn 1.5% bonus cash back on your purchases in the first year (up to $20,000 in purchases)
• Earn 6.5% cash back on travel booked through Chase Ultimate Rewards in the first year; 5% cash back on travel booked through Chase after the first year; 4.5% cash back on drugstore and dining, and 3% cash back on everything else in the first year. After the first year earn 1.5% cash back on everything else.
• Regular APR 14.99% – 23.74%

Final Thoughts

Adding a 0% APR credit card to your personal finance tools can help you get the most out of your money. If you can get approved for a card that offers rewards, use the cards to make your purchases but pay them off in full at the end of the month. In the end, you come out ahead, earning money for purchase you’d normally make.