Credit Card Guide
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Low Interest Credit Cards

 

Low interest credit cards with low ongoing APR are particularly suited for people who carry a balance month to month. These cards from our partner banks and issuers offer low ongoing interest rates for purchases and balance transfers and feature either a low fixed rate APR or a low introductory APR.

 
     

     
 
The Carnival™ MasterCard®
The Carnival™ MasterCard®

The Carnival™ MasterCard®

 

  • 0% APR on purchases and balance transfers for the first 12 months after account opening (after that a variable APR currently 13.99% - 20.99% depending on your creditworthiness)
  • Earn 5,000 bonus points when you use your card for the first time
  • Earn Double points on any Carnival™ purchase
  • Earn 1 point per $1 spent everywhere else
  • Redeem points for cruises on Carnival™ or other eligible World's Leading Cruise Lines vacations, hotel or flight discounts, onboard gifts and services, merchandise or gift cards
  • No Annual Fee
  • Please see terms and conditions for complete details
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
12 months0%12 months13.99%, 16.99% or 20.99%* (Variable)$0Excellent Credit

Barclaycard Arrival™ World MasterCard®
Barclaycard Arrival™ World MasterCard®

Barclaycard Arrival™ World MasterCard®

 

  • Earn 20,000 bonus miles when you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement credit
  • 0% intro APR on balance transfers and purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
  • Earn 2X miles on travel and dining and 1X miles on all other purchases
  • Miles don't expire as long as your account is open, active and in good standing
  • Book the travel you want — airfare, hotels, cruises and more and earn miles on your purchase
  • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits
  • No foreign transaction fees on anything you buy while in another country
  • Complimentary online FICO® Score access for Barclaycard Arrival cardmembers
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
12 months0%12 months14.99% or 18.99%* (Variable)$0Excellent Credit

Discover it® chrome
Discover it® chrome

Discover it® chrome

 

  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter -no sign-ups needed*. 1% cash back on all your other purchases.
  • 0% intro APR on purchases and balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee*.
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S. based customer service - anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply".
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
14 months0%14 months10.99% - 22.99% Variable*$0Excellent Credit

Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

 

  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card.
  • Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%*
18 months*0%*18 months*11.99%-21.99%* (Variable)$0*Excellent Credit

Citi Simplicity® Card
Citi Simplicity® Card

Citi Simplicity® Card

 

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - Ever
  • No penalty rate - Ever
  • No annual fee - Ever
  • Save time when you call with fast, personal help, 24 hours a day.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%*
18 months*0%*18 months*12.99% - 21.99%* (Variable)$0*Excellent Credit

Citi Simplicity® Card
Citi Simplicity® Card

Citi Simplicity® Card

 

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - Ever
  • No penalty rate - Ever
  • No annual fee - Ever
  • Save time when you call with fast, personal help, 24 hours a day.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%*
18 months*0%*18 months*12.99% - 21.99%* (Variable)$0*Excellent Credit

Williams-Sonoma Visa® Signature Card
Williams-Sonoma Visa® Signature Card

Williams-Sonoma Visa® Signature Card

 

  • Receive 2,500 bonus points upon your first purchase
  • Enjoy free Online Shipping
  • Earn 3 Points per $1 spent at Williams-Sonoma
  • Earn 1 Point per $1 spent everywhere else
  • Earn $25 Gift Card bonuses or statement credits
  • Exclusive access to culinary experiences around the world
  • Plus no annual fee
  • Please see terms and conditions for complete detail
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A13.74%, 17.74% or 21.74%* (Variable)$0Excellent Credit

Citi ThankYou® Preferred Card
Citi ThankYou® Preferred Card

Citi ThankYou® Preferred Card

 

  • Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
  • 1 ThankYou Point on other purchases.
  • Points do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%*
15 months*0%*15 months*12.99%-22.99%* (Variable)$0*Excellent Credit

U.S. Bank Visa® Platinum Card
U.S. Bank Visa® Platinum Card

U.S. Bank Visa® Platinum Card

 

  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-23.99%
  • No annual fee*
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
  • Online account management and account alerts
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
15 billing cycles0%15 billing cycles9.99% - 23.99%* (Variable)$0*Excellent Credit

Barnes & Noble MasterCard®
Barnes & Noble MasterCard®

Barnes & Noble MasterCard®

 

  • Earn a $25 Gift Card after your first purchase
  • Get 5% Back at Barnes & Noble
  • Earn 1 point per $1 spent on everything else
  • Every time you reach 2,500 points, you'll automatically receive a $25 B&N Gift Card
  • No Annual Fee
  • See Terms and Conditions for complete details
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A13.99% or 24.99%* (Variable)$0Good Credit

 
     

     
 
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