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4.1/5
Our editorial rating rationale
- No annual fee
- Low interest rate on purchases - 12.99%
🏆 2026 Award Winner
Best for: Low interest
No Annual Fee
A no annual-fee, low-interest card with a 12.99% purchase rate — ideal for carrying a balance.
2026 Award Winner
This product won Best Low-Interest Credit Card in the Maple Wallet 2026 Best Of Awards.
See all 2026 award winners →Annual Fee
$0
APR
12.99%
Cash Back
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Welcome Bonus
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Welcome Bonus
0% interest on balance transfers for 12 months
Key Features
No annual fee
Low interest rate on purchases - 12.99%
Introductory promotion of 0% interest on balance transfers for the first 12 months
Includes some insurance coverage