Credit cards for 18 year olds with no credit

Interest Credit Cards For 18 Year Olds

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Best 0% and Low Interest Credit Cards of 2017

Use the right card and score major interest savings on a big purchase or balance transfer. Get the picture?

Here are the best low interest credit cards:

Citi Simplicity® Card - No Late Fees Ever

Longest 0% APR period

Citi® Double Cash Card – 18 month BT offer

Discover it® - 18 Month Balance Transfer Offer

Barclaycard Ring™ Mastercard®

Take a simple quiz to find out

Not sure which card is best for you?

Citi Simplicity® Card - No Late Fees Ever

0% on Purchases and Balance Transfers for 21 months

  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee…EVER.
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.

The interest-free period on the Citi Simplicity® Card - No Late Fees Ever is among the longest we’ve seen: 0% on Purchases and Balance Transfers for 21 months, and then the ongoing APR of 14.49% - 24.49% Variable APR. Citi’s pledge to never charge fees or a penalty annual percentage rate on late payments is unusual and a nice break for the chronically forgetful.

For a similar 0% period with added perks

0% on Purchases and Balance Transfers for 15 months

  • APR: 15.99% - 24.74% Variable APR
  • Cash Advance APR: 25.99%, Variable

Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter like gas stations, restaurants and drugstores
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

See if you qualify for a better offer with Chase:

The Chase Freedom® gives you a little of everything. In addition to a $0 annual fee and a long 0% APR period on purchases and balance transfers, it offers a nifty sign-up bonus. You get 5% cash back on up to $1,500 per quarter in spending on rotating bonus categories that include such things as gas stations, supermarkets and restaurants. All other spending earns 1% back.

For a similar card with a flat cash-back rate

Citi® Double Cash Card – 18 month BT offer

0% on Balance Transfers for 18 months

  • APR: 14.49% - 24.49% Variable APR
  • Penalty APR: Up to 29.99%, Variable
  • Cash Advance APR: 26.24%, Variable
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*

Offering 1% cash back on every purchase and an additional 1% when you pay them off, the Citi® Double Cash Card – 18 month BT offer provides easy rewards to go with its lengthy interest-free period on balance transfers and $0 annual fee. This is an excellent card that doesn’t require excellent credit: You can qualify with good credit.

For bonus rewards on gas and groceries

Discover it® - 18 Month Balance Transfer Offer

0% on Purchases for 6 months and 0% on Balance Transfers for 18 months

  • APR: 11.99% - 23.99% Variable APR
  • Cash Advance APR: 25.99%, Variable

You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.

  • New! We’ll monitor your Social Security Number. Get an alert if we find your Social Security Number on any of thousands of risky websites.* Activate for FREE.
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

This card combines a lengthy 0% period on balance transfers with 5% cash-back rewards on rotating bonus categories (on up to $1,500 in spending per quarter) and 1% back on all other spending. There’s also an unusual bonus, which Discover describes as: “You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.” No foreign transaction fee is unusual for this category. Discover won’t charge a fee for your first late payment or raise your APR for paying late.

For a different 0% APR structure

0% on Purchases for 15 months and 0% on Balance Transfers for 15 months (on balance transfers made within 45 days of account opening)

  • APR: 13.99% Variable APR
  • Cash Advance APR: 13.99%, Variable
  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.99%
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score

If you expect to carry a monthly balance for a long time, a temporary 0% period is helpful, but an ongoing low rate is also important. Enter the Barclaycard Ring™ Mastercard®, which recently started offering an introductory APR of 0% on Purchases for 15 months and 0% on Balance Transfers for 15 months (on balance transfers made within 45 days of account opening), and then the ongoing APR of 13.99% Variable APR. The $0 fee for balance transfers is a big deal, saving you money over cards that charge 3% to 5%. The annual fee is $0, and the card has no foreign transaction fee. Barclaycard gives cardholders a say in changes to the card’s features and terms, an unusual model for any financial product.

For a credit union alternative

NerdWallet’s credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories.

NerdWallet staff writer Gregory Karp contributed to this article. Virginia C. McGuire is a staff writer at NerdWallet, a personal finance website. Email: [email protected] Twitter: @vcmcguire.

To recap our selections.

NerdWallet's Best 0% and Low Interest Credit Cards of 2017

What Is a Balance Transfer, and Should I Consider Doing One?

How to Save Hundreds While Paying Off Credit Card Debt

5 Facts About 0% APR Credit Card Deals

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