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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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Citi® Platinum Select® MasterCard® |
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- 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99% - 19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
- Citi® Identity Theft Solutions
- Secure, free online account management
- No annual fee
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Intro Purchase APR
0% for 12 months* |
Intro Balance Trans. APR
0% for 18 months* |
APR
11.99% - 19.99% (V) |
Annual Fee
None |
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Citi® Diamond Preferred® Card |
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- 0%* Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 14.99%*. This APR will vary with the market based on the Prime Rate.
- Concierge service that caters to your needs 24/7
- Citi® Identity Theft Solutions
- Secure, free online account management
- No annual fee*
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Intro Purchase APR
0%* for 12 months* |
Intro Balance Trans. APR
0%* for 12 months* |
APR
14.99%* (Variable). |
Annual Fee
None |
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Chase Freedom® Visa - $50 Bonus Cash Back |
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- Earn $50 Bonus Cash Back after first purchase
- 0% Intro APR and No Annual Fee
- 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
- Unlimited 1% Cash Back on all other purchases with no spending tiers
- Up to an additional 20% cash back when you shop online at select merchants through Chase
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Intro Purchase APR
0% for 6 mo. |
Intro Balance Trans. APR
0% for 12 mo. |
APR
12.99% - 22.99% Variable* |
Annual Fee
None |
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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 August 2011
- No foreign transaction fees
- No annual fee
- To apply online click the "Apply Now" button or call 1-866-582-0808
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Intro Purchase APR
0% until August 2011 |
Intro Balance Trans. APR
None |
APR
13.9% Variable |
Annual Fee
None |
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Citi® Dividend Platinum Select® MasterCard® |
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- 0% Intro APR on Balance Transfers for 15 months. After that, the APR will be 12.99%-20.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
- Earn 5% cash back at restaurants and on car rentals and hotels from 7/1/10 to 9/30/10. Enrollment required each quarter.
- Full 1% cash back on eligible purchases and cash advances.
- Earn extra cash back on popular, rotating categories each quarter.
- Average 5% additional cash back through Citi Bonus Cash Center®
- No Annual Fee
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Intro Purchase APR
None |
Intro Balance Trans. APR
0% for 15 months* |
APR
12.99% - 20.99% (V) |
Annual Fee
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% intro APR on purchases until August 2011
- No foreign transaction fees
- No annual fee
- To apply online click the "Apply Now" button or call 1-866-582-0808
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Intro Purchase APR
0% until August 2011 |
Intro Balance Trans. APR
None |
APR
14.9% Variable |
Annual Fee
None |
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Discover® More Card |
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- 0% intro APR on balance transfers for a full 15 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
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Intro Purchase APR
0%* for 6 months* |
Intro Balance Trans. APR
0%* for 15 full months* |
APR
11.99% - 20.99%
(Variable)* |
Annual Fee
None* |
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Capital One® Platinum Prestige Credit Card |
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- 0% intro APR until August 2011 on balance transfers, processed in as little as 48 hours
- 0% intro APR until August 2011 on purchases
- Transfer your higher-rate balances
- $0 Fraud Liability if your card is lost or stolen
- 24-hour travel & emergency assistance gives you a replacement card and cash advance
- 24-hour roadside assistance
- Travel accident insurance
- No annual fee
- To apply online click the "Apply Now" button or call 1-866-582-0808
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Intro Purchase APR
0% until August 2011 |
Intro Balance Trans. APR
0% until August 2011 |
APR
11.9% Variable |
Annual Fee
None |
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Discover® More Card – Black |
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- 0% intro APR on balance transfers for a full 12 months, then the Regular APR
- 0% intro APR on purchases for a full 9 months, then the Regular APR
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
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Intro Purchase APR
0%* for 9 full months* |
Intro Balance Trans. APR
0%* for 12 full months* |
APR
11.99% - 20.99%
(Variable)* |
Annual Fee
None* |
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Citi® Diamond Preferred® Rewards Card |
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- $50 gift card - Redeem 6,000 bonus points after $300 in purchases within 3 months of account opening
- 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-20.99% based on creditworthiness*. This APR will vary with the market based on the Prime Rate.
- 5 ThankYou® Points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months, 1 ThankYou Point thereafter**
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No annual fee*"
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Intro Purchase APR
0% for 12 months* |
Intro Balance Trans. APR
0% for 12 months* |
APR
12.99% - 20.99% (V) |
Annual Fee
None |
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Chase SapphireSM |
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- Earn $100 in rewards - that's 10,000 bonus points after your first purchase!
- Redeem points for travel, gift cards, merchandise, cash back and more
- 2X points earned on airfare booked through Ultimate Rewards & 1 point for every dollar spent on all other purchases
- Points never expire and there are no limits on how many points you can earn
- 24/7 Dedicated service advisors (No voice recording)
- Premier travel and purchase protection benefits
- All of this for no annual fee!
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Intro Purchase APR
None |
Intro Balance Trans. APR
None |
APR
12.24% Variable* |
Annual Fee
None |
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Citi Forward® Card |
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- Earn up to 8,500 bonus points after you sign up for paperless statements and make $250 in purchases within the first 3 months of account opening.
- 5 ThankYou points for every $1 you spend on restaurants and entertainment. 1 reward point for every $1 you spend on other purchases.
- 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.
- No Annual Fee
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Intro Purchase APR
0% if you qualify for 7 months* |
Intro Balance Trans. APR
0% if you qualify for 12 months* |
APR
12.99 - 19.99% (V) |
Annual Fee
None |
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Discover® More Card - $75 Cashback Bonus |
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- 0% intro APR on balance transfers for a full 12 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- Get $75 Cashback Bonus when you make $500 in purchases within 3 months
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No annual fee
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Intro Purchase APR
0%* for 6 months* |
Intro Balance Trans. APR
0%* for 12 full months* |
APR
11.99% - 20.99% (V)* |
Annual Fee
None* |
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SlateSM from Chase |
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- 0% intro APR for up to 12 months.
- New innovative card design.
- Blueprint free and customizable account features that help you avoid unnecessary interest and pay your balances down faster, providing unprecedented control over managing your card
- No Annual Fee
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Intro Purchase APR
See Terms* |
Intro Balance Trans. APR
0% for 12 or 6 months* |
APR
13.24% - 22.24% Variable* |
Annual Fee
None |
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Discover® Open Road Card |
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- 2% Cashback Bonus automatically at any gas station and any restaurant
- 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus on all other purchases
- 0% intro APR on balance transfers for 12 full months, then the Regular APR
- 0% intro APR on purchases for 6 months, then the Regular APR
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Intro Purchase APR
0%* for 6 months* |
Intro Balance Trans. APR
0%* for 12 months* |
APR
11.99% - 20.99%
(Variable)* |
Annual Fee
None* |
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Low Interest Credit Cards
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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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View Related Stories
APR Too High? 3 Steps to Negotiate a Lower Credit Card Interest Rate - Few things are as frustrating and expensive as being saddled with high-interest rates. However, there is much you can do to lower your interest rate, by negotiating a lower rate and/or transferring balances elsewhere. Editor's Pick: Best Low Interest Credit Cards 2010 - When applying for a credit card, something to consider is whether you will be carrying a balance on the card. Consumers looking to apply for a credit card they can use to pay purchases over time are better served by a low interest credit card. ALL CREDIT CARD HELP & ADVICE ARCHIVES >>
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