Free plans only

9 Best Free Low Interest Credit Cards of 2026

By the Rankozo research desk · Updated November 11, 2026

9 of the 9 tools in our best low interest credit cards ranking offer a permanent free plan. Navy Federal Platinum Credit Card scores highest among them at 8.5 out of 10.

1. 01

   Navy Federal Platinum Credit Card

   military families who carry a balance month to month

   $0 annual fee

   Full entry, No. 1 overall

   Paid from

   Free

   Score 8.5

2. 02

   DCU Visa Platinum Credit Card

   borrowers who want a hard APR cap and no transfer fee

   $0 annual fee

   Full entry, No. 2 overall

   Paid from

   Free

   Score 8.2

3. 03

   First Tech Platinum Mastercard

   credit union members who want the lowest standard APR

   $0 annual fee

   Full entry, No. 3 overall

   Paid from

   Free

   Score 8.0

4. 04

   BECU Lift Low Rate Visa Credit Card

   people who want 0% now and a low rate later

   $0 annual fee

   Full entry, No. 4 overall

   Paid from

   Free

   Score 7.9

5. 05

   Alliant Visa Platinum Card

   borrowers without a military or employer link to a credit union

   $0 annual fee

   Full entry, No. 5 overall

   Paid from

   Free

   Score 7.8

6. 06

   U.S. Bank Shield Visa Card

   bank customers who want a long 0% period

   $0 annual fee

   Full entry, No. 6 overall

   Paid from

   Free

   Score 7.8

7. 07

   Wells Fargo Reflect Card

   people who can pay off a balance within 21 months

   $0 annual fee

   Full entry, No. 7 overall

   Paid from

   Free

   Score 7.8

8. 08

   Citi Simplicity Card

   people worried about missing a payment

   $0 annual fee

   Full entry, No. 8 overall

   Paid from

   Free

   Score 7.7

9. 09

   Discover it Cash Back

   people who want rewards plus a 0% period

   $0 annual fee

   Full entry, No. 9 overall

   Paid from

   Free

   Score 7.5

Scores and prices come from our Best Low Interest Credit Cards ranking, which uses one method for every tool. Questions or corrections: editorial@rankozo.com