Credit Card Guide
Follow Us  twitter facebook You Tube Google+
 

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.

 
     

 
 
 
 
Chase Slate®
Chase Slate®

Chase Slate®

 

  • Click "APPLY NOW" to apply online or call 844-224-4814
  • Chase Slate named "Best Credit Card for Balance Transfers" two years in a row by Money Magazine
  • $0 Introductory balance transfer fee for transfers made during the first 60 days
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • New Free Monthly FICO® Score and Credit Dashboard
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
15 months0%15 months12.99%, 17.99%, 22.99% Variable$0Excellent/Good

BankAmericard® Credit Card
BankAmericard® Credit Card

BankAmericard® Credit Card

 

  • New Offer! 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then, 10.99% - 20.99% Variable APR. 3% fee (min $10) applies to balance transfers.
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Zero liability fraud protection, so you're not responsible for any fraudulent charges made on your account
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/A0%18 billing cycles for balance transfers made in the first 60 days10.99% - 20.99% Variable on purchases & balance transfers$0Excellent/Good

BankAmericard Travel Rewards® Credit Card
BankAmericard Travel Rewards® Credit Card

BankAmericard Travel Rewards® Credit Card

 

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • New Offer! 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days — that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want — no blackout dates and restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 14.99% - 22.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
12 billing cyclesN/AN/A14.99% - 22.99% Variable on purchases & balance transfers$0Excellent/Good

Capital One® Quicksilver® Cash Rewards Credit Card
Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

 

  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
  • Get a 20% Statement Credit on Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until May 2016; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until May 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Capital One® Credit Tracker - a free way to easily monitor your monthly credit score anytime, anywhere
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
until May 20160%until May 201612.9% - 22.9% (Variable)$0Excellent/Good

MLB® BankAmericard Cash Rewards™ MasterCard® Credit Card
MLB® BankAmericard Cash Rewards™ MasterCard® Credit Card

MLB® BankAmericard Cash Rewards™ MasterCard® Credit Card

 

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • All 30 team cards are available, customized with your favorite team's colors and logo
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% Variable APR. 3% fee (min $10) applies to balance transfers.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
12 billing cycles0%12 billing cycles for qualifying balance transfers12.99% - 22.99% Variable on purchases & balance transfers$0Excellent/Good

Capital One® VentureOne® Rewards Credit Card
Capital One® VentureOne® Rewards Credit Card

Capital One® VentureOne® Rewards Credit Card

 

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases until August 2016; 11.9%-21.9% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles don't expire and there's no limit to how many you can earn
  • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
until August 2016N/AN/A11.9% - 21.9% (Variable)$0Excellent/Good

Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

 

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don't expire and there's no limit to how many you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $59 after that
  • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A12.9% - 22.9% (Variable)$0 intro for first year; $59 after thatExcellent/Good

BankAmericard Cash Rewards™ Credit Card
BankAmericard Cash Rewards™ Credit Card

BankAmericard Cash Rewards™ Credit Card

 

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
12 billing cycles0%12 billing cycles for qualifying balance transfers12.99% - 22.99% Variable on purchases & balance transfers$0Excellent/Good

Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

 

  • Click "APPLY NOW" to apply online or call 877-488-1783
  • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
  • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases (then 1%), 2% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
  • With the Blue Cash Everyday® Card, you can start earning cash back. No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and restrictions apply.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
15 months0%15 months12.99% - 21.99% Variable$0Excellent Credit

The Amex EveryDay® Credit Card from American Express
The Amex EveryDay® Credit Card from American Express

The Amex EveryDay® Credit Card from American Express

 

  • Click "APPLY NOW" to apply online or call 888-224-7082
  • Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and get 20% extra points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
15 months0%15 months12.99%-21.99% Variable$0Excellent Credit

 
     

     
 
Page 1 Page 2 Page 3 Page 4
 
     

 
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

 
     

 

 
  View Related Stories

3 Ways to Lower Your Credit Card APR - If you have a good credit history, it may be possible for you to lower your credit card APR -- sometimes substantially. Here are some tips for helping you choose which APR-lowering strategy might work best for you ...

How to Compare Low Interest Credit Card Offers - About half of U.S. cardholders carry a balance forward on their credit cards from month to month. With credit card interest rates continuing to inch upwards, it makes more sense than ever to look for ways to reduce interest expenses.

ALL CREDIT CARD HELP & ADVICE ARCHIVES >>

 
     

 
Secure SSL Technology
Secure SSL
Technology
 
Twitter Facebook You Tube Google+
About Us Privacy Policy Editorial Team Terms of Use
Contact Us California Privacy Rights Media Relations Site Map

Close X