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Low Interest Credit Cards
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Low interest credit cards with low ongoing APR are particularly suited for people who carry a balance month to month. These cards from different banks and issuers offer some of the lowest ongoing interest rates for purchases and balance transfers and can feature either a low fixed rate APR or a low introductory APR.
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Capital One® VentureOneSM Rewards Credit Card
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- 1.25 miles per dollar on every purchase, every day
- Redeem miles for airline tickets, hotel rooms, car rentals and more
- No limit on the miles you can earn and miles won't expire
- Fly free on any airline, any time with no blackout dates
- Use rewards for travel, merchandise, gift cards and more
- 0% intro APR on purchases until February 2011
- No foreign transaction fees
- No annual fee
- To apply online click the "Apply Here" button or call 1-866-582-0808
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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0% until February 2011 |
None |
13.9% Variable |
None |
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Citi® Platinum Select® MasterCard®
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| 0% APR* on balance transfers and purchases for up to 15 months |
- Extra Cash from Citi: enjoy significant discounts on gift cards, travel, merchandise and more.
- Citi® Identity Theft Solutions
- $0 liability on unauthorized purchases
- Secure, free online account management
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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0%* for up to 15 mo. |
0%* for up to 15 mo. |
11.99%
Variable |
None |
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Discover® More® Card
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- 0% APR on Balance Transfers for a FULL 12 months
- 0% APR on Purchases for a FULL 6 months
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
- Up to 1% unlimited Cashback Bonus on all other purchases automatically
- Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
- Instant Response within 60 seconds
- No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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0%* for 6 months* |
0%* for 12 months* |
11.99%*
Variable |
None* |
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Capital One® No Hassle CashSM Rewards - Excellent Credit
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- 2% cash back on gas and groceries
- 1% cash back on all other purchases
- No limit on the cash you can earn and cash won't expire
- Redeem cash rewards for statement credit, check or gift card
- Get your cash back whenever you want, even set up automatic redemption
- 0% APR on purchases until February 2011
- No foreign transaction fees
- No annual fee
- To apply online click the "Apply Here" button or call
1-866-582-0808
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| Intro Purchase APR |
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APR |
Annual Fee |
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0% until February 2011 |
None |
14.9%
Variable |
None |
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SlateSM from Chase
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- 0% Intro APR for up to 12 months
- Pay down balances on your terms with BlueprintSM
- Zero Liability on unauthorized purchases
- E-mail and text alerts
- No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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0% for up to 12 mo. |
0% for up to 12 mo. |
13.24% Variable |
None |
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Citi Forward® Card
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- The credit card that rewards you for good behavior.
- Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row.
- 6,000 bonus points after $250 in purchases are made within 3 months of account opening.
- 2,500 bonus points when you sign up for paperless statements within 3 months of account opening.
- 5 reward points for every $1 you spend on dining, books, movies and music. 1 reward point for every $1 you spend on other purchases.
- 0% APR for for 7 months on purchases and balance transfers.
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| Intro Purchase APR |
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APR |
Annual Fee |
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0% for 7 mo. |
0% for 7 mo. |
14.24% Variable |
None |
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Discover® More® Card - $50 Cashback Bonus®
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- 0% APR on Balance Transfers for a FULL 12 months
- 0% APR on Purchases for a FULL 6 months
- Get $50 Cashback Bonus after your first $599 in purchases
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants and more
- Up to 1% unlimited Cashback Bonus on all other purchases automatically
- Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
- Instant Response within 60 seconds
- No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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0%* for 6 mo.* |
0%* for 12 mo.* |
12.99%* Variable |
None* |
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Chase FreedomSM
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- Get 5% Cash Back
- 0% Intro APR for up to 12 months
- Say "no" to interest with Full Pay from Blueprint
- No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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0% for up to 6 mo. |
0% for up to 12 mo. |
12.99% Variable |
None |
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Priceline Rewards Visa® Card
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- Earning points: Earn points every time you use your priceline rewards Visa card.
- Redeeming points: Use your points to pay for anything you buy with your card ($25 minimum).
- Variable redemption multiplier: Your points go farther when you redeem them on priceline purchases.
- Points categories: Earn double, triple, or even quadruple points on eligible priceline purchases. Earn double points in the everyday spend rewards category of your choice.
- One-time sign-on statement instant credit: You will receive $50 cash back on this purchase. Your new priceline rewards Visa card will be mailed to you shortly and your first statement will show a $50 credit.
- Program overview: As a member of the priceline rewards program, you earn points each time you use your priceline rewards Visa card. You can use points to pay for anything you buy with your priceline card ($25 minimum). Remember… you earn double, triple, or even quadruple points on eligible priceline purchases. And your points go farther when you redeem them on priceline purchases.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
0% for 9 billing cycles* |
13.24% |
$29 |
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Discover® Open RoadSM Card
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- Double Cashback Bonus at any gas station and any restaurant
- 5% to 20% Cashback Bonus at top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus on all other purchases automatically
- Redeem for Partner gift cards, merchandise, Discover® gift cards, credit to your Discover card account or an electronic deposit to your bank account
- Turn your Cashback Bonus into bigger rewards by redeeming for gift cards or eCertificates from over 100 brand-name Partners
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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0%* for 6 mo.* |
0%* for 6 mo.* |
11.99%* Variable |
None* |
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Capital One® VentureSM Rewards Credit Card
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- 2 miles per dollar on every purchase, every day
- 10,000 bonus miles when you spend $1,000 in your first 3 months
- No limit on the miles you can earn and miles won't expire
- Fly free on any airline, any time with no blackout dates
- No foreign transaction fees
- Exclusive award-winning customer service
- Visa Signature® benefits like complimentary concierge and travel upgrades
- First year's annual fee is on us
- To apply online click the "Apply Here" button or call 1-866-582-0808
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
None |
13.9% Variable |
$59 |
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Discover® More® Card - Monogram
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- 0% APR on Balance Transfers and Purchases for a full 6 months
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
- Up to 1% unlimited Cashback Bonus on all other purchases automatically
- Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
- Instant Response within 60 seconds
- No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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0%* for 6 mo.* |
0%* for 6 mo.* |
11.99%* Variable |
None* |
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Discover® More® Card - American Flag
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- 0% APR on Balance Transfers and Purchases for a full 6 months
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
- Up to 1% unlimited Cashback Bonus on all other purchases automatically
- Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
- Instant Response within 60 seconds
- No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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0%* for 6 mo.* |
0%* for 6 mo.* |
11.99%* Variable |
None* |
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PenFed Premium Travel Rewards American Express® Card
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- 5 Points for Every $1 Spent on Airfare!
- 3 Points on Hotels and Dining (through December 31, 2010)
- Automatic enrollment in PenFed Premium Rewards Program
- Access to 600+ Luxury VIP Global Airport Lounge Access with $15,000 Annual Spend
- 24/7 Premium Concierge Service
- Exclusive Travel Upgrades and Offers
- Redeem on any Airline; no black-out dates or restrictions
- Spend $650 in the First Three Months and Receive 20,000 bonus points
- No Foreign Transaction Fees!
- You must be a Pentagon Federal Credit Union member to apply. Not a member? It’s easy to join. You must be a United States Government employee, member of the United States Military and Uniformed Services, employee or volunteer of the American Red Cross, member of the National Military Family Association, or a family member/housemate of a current PenFed member.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
4.99%-6.99%* for 24 mo. |
13.24% |
$50 |
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PenFed Promise VISA Card
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- Absolutely No Fees!
- Introductory Purchase Rate – 7.49% APR for the first 36 months. Afterwards, the APR will vary with the Prime Rate and is currently 9.99% APR.
- No Foreign Transaction Fees!
- Some restrictions apply.
- You must be a Pentagon Federal Credit Union member to apply. Not a member? It’s easy to join. You must be a United States Government employee, member of the United States Military and Uniformed Services, employee or volunteer of the American Red Cross, member of the National Military Family Association, or a family member/housemate of a current PenFed member.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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7.49% for 36 mo. |
7.49% for 36 mo. |
9.99% |
None |
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PenFed VISA Platinum Gas / Cash Rewards Card
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- 13.99% APR – Lower than most rewards cards!
- Earn 2.00% Cash Back on Supermarket Purchases*
- Earn 5.00% Cash Back from Gas Purchases Paid at the Pump*
- Earn 1.00% Cash Back from All Purchases** You Make with the Card During Each Billing Cycle
- Up to $50,000 Limit
- No Annual Fee
- Cash Rewards Credited Each Month
- No Special Restrictions to Earn Your Cash Rewards
- Limited Time Only – Low Balance Transfer Rates†
- You must be a Pentagon Federal Credit Union member to apply. Not a member? It’s easy to join. You must be a United States Government employee, member of the United States Military and Uniformed Services, employee or volunteer of the American Red Cross, member of the National Military Family Association, or a family member/housemate of a current PenFed member.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
4.99%-6.99%* for 24 mo. |
13.99% |
None |
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Low Interest Credit Cards
A low interest credit card is recommended over other card benefits if you would like to finance your holiday shopping or a large purchase, or you desire to use a balance transfer to pay off higher interest loans.
Low interest cards can be a great deal, because in addition to long-term low rates, many offer a great introductory rate, typically ranging from 0% to 3.99% annually. The introductory rate may apply to balance transfers, purchases, or both, and it will extend from six months to more than twelve months. After the introductory period, the interest rate on low APR cards typically ranges from 6.5% to around 15.99%.
When you compare low APR credit cards, read the terms and conditions carefully and then weigh all of the above factors to find the card that best fits your needs. To qualify for a lowest interest credit card, you will generally need good to excellent credit rating. However, regardless of your situation, you can still find a low rate credit card that fits your profile. You may even find that your existing card company will lower the rate on the card you have, rather than lose you as a customer.
There are two types of rates on low interest credit cards: "fixed" APR and "variable" APR. If your low interest card has a fixed APR, your rate will, for the most part, remain the same. The credit card company may still change the fixed APR rate, but they will notify you in advance. With a variable APR, the rate on your low interest card is typically linked to the national prime rate; when it changes, your rate may too. If you plan on carrying a balance, a fixed rate is often the best way to go. If you want to transfer a balance, see our collection of cards with 0 APR introductory rates on balance transfers.
If you plan to regularly pay off your balance before the end of the month, you may instead be interested in looking at rewards credit cards that charge slightly higher interest rates, but offer incentives, such as cash back, or airline miles. We also feature a selection of business credit cards to choose from in each card category.
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