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Top 10 Cheapest Credit Cards of 2025

Discover the most affordable credit cards with zero annual fees, low interest rates, and incredible rewards. Save money while building your credit score with our expertly curated list.

Best Cheap Credit Cards 2025

5 Best No Annual Fee Credit Cards

No Annual Fee Credit Cards
  • Capital One Quicksilver Cash Rewards: 1.5% cash back on all purchases with $0 annual fee and 0% intro APR for 15 months
  • Chase Freedom Unlimited: 1.5% cash back on all purchases plus 5% on travel through Chase Ultimate Rewards
  • Discover it Cash Back: 5% cash back on rotating categories (up to $1,500 quarterly) and 1% on all other purchases
  • Citi Double Cash Card: 2% cash back on all purchases (1% when you buy, 1% when you pay) with no category restrictions
  • Bank of America Unlimited Cash Rewards: 1.5% cash back on all purchases with preferred rewards program bonuses

7 Lowest Interest Rate Credit Cards

  1. Navy Federal Credit Union nRewards: As low as 7.49% APR for qualified members
  2. PenFed Platinum Rewards: Starting at 8.99% APR with excellent credit
  3. USAA Preferred Cash Rewards: 8.90% - 25.90% APR for military families
  4. Alliant Cashback Visa Signature: 10.99% - 22.99% APR with credit union membership
  5. DCU Visa Platinum: As low as 11.25% APR for digital federal credit union members
  6. First Tech Federal Credit Union Platinum: 9.90% - 17.90% APR
  7. Consumers Credit Union Visa Platinum: 7.25% - 18.00% APR
Low Interest Credit Cards
Student Credit Cards

6 Best Student Credit Cards with Low Costs

  • Discover it Student Cash Back: 5% rotating categories, 1% everything else, no annual fee
  • Capital One SavorOne Student: 3% dining and entertainment, 1% all purchases, $0 annual fee
  • Chase Freedom Student: 1% cash back on all purchases, no annual fee, build credit history
  • Bank of America Student Cash Rewards: 3% gas and online shopping, 2% grocery stores, 1% everything else
  • Citi Rewards+ Student: 2x points on supermarkets and gas stations, rounds up to nearest 10 points
  • Capital One Journey Student: 1.25% cash back on all purchases, good for credit building

8 Credit Cards with 0% Intro APR Offers

0% APR Credit Cards
  1. Citi Simplicity Card: 0% intro APR for 21 months on purchases and balance transfers
  2. Chase Slate Edge: 0% intro APR for 18 months on purchases and balance transfers
  3. Wells Fargo Reflect Card: 0% intro APR for up to 21 months on purchases and qualifying balance transfers
  4. BankAmericard Credit Card: 0% intro APR for 18 billing cycles on purchases and balance transfers
  5. Capital One Quicksilver: 0% intro APR for 15 months on purchases
  6. Discover it Balance Transfer: 0% intro APR for 18 months on balance transfers
  7. Amex EveryDay Credit Card: 0% intro APR for 15 months on purchases and balance transfers
  8. U.S. Bank Visa Platinum Card: 0% intro APR for 20 billing cycles on purchases and balance transfers