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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® No Hassle MilesSM Rewards
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- Click "APPLY HERE" to apply online or call (866) 582-0808
- Fly FREE on any airline to any destination
- No limit on the miles you can earn and miles don't expire
- No blackout dates and no seat restrictions
- Redeem for Travel, Merchandise, Gift Cards and more
- 1 mile per dollar spent on purchases up to $1,000 each month
- 2 miles per dollar above $1,000 each month
- No foreign transaction fees
- 0% APR on purchases until December 2010
- No annual fee
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| Intro Purchase APR |
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APR |
Annual Fee |
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0% until December 2010 |
None |
13.9% (V) |
None |
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Citi® Platinum Select® MasterCard®
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| 0% APR* on balance transfers and purchases for up to 12 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 12 mo. |
0%* for up to 12 mo. |
11.99% (V)* |
None |
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Discover® MoreSM Card - Clear
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- 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
- 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
- Up to 1% Cashback Bonus® on all other purchases automatically
- Unlimited cash rewards
- Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus® Partners
- 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers*
- 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%* |
None* |
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SlateSM from Chase
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- Now with BlueprintSM
- 0% intro APR for up to 12 months on Purchases and Balance Transfers
- Patented Fraud Protection
- 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% |
None |
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Blue from American Express®
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- 0% APR on purchases for 6 months
- Membership Rewards Express® program
- Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences
- Express approval - get a decision in less than 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. |
None |
15.24% |
None |
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Starwood Preferred Guest(R) Credit Card from American Express
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- Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel.
- Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
- No annual fee for the first year and $45 thereafter
- Transfer Starpoints(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
- Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners
- Express Approval. Get a decision in less than 60 seconds.
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| Intro Purchase APR |
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APR |
Annual Fee |
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See Terms* |
See Terms* |
15.24% |
See Terms* |
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Capital One® No Hassle CashSM Rewards - Excellent Credit
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- 2% cash back on purchases at gas stations and major grocery stores
- 1% cash back on all other purchases
- No limit on the cash you can earn and cash won't expire
- 0% intro APR on purchases until December 2010
- No annual fee
- Click "APPLY HERE" to apply online or call (866) 582-0808
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| Intro Purchase APR |
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APR |
Annual Fee |
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0% until December 2010 |
None |
14.9% (V) |
None |
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Blue Cash(R) from American Express
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- When you shop with Blue Cash, you can earn up to 5% cash back on every eligible purchase
- No Annual Fee
- 0% Intro APR for 6 months on purchases
- Express Approval. Get a decision in less than 60 seconds.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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See Terms* |
See Terms* |
17.24% |
None |
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Platinum Delta SkyMiles(R) Credit Card from American Express
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- Earn 20,000 bonus SkyMiles(R) (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember
- Earn one companion Coach Class ticket each year upon renewal
- Earn at least 1 mile for every eligible dollar spent
- Miles never expire and there is no cap on the miles you can earn
- Pay with Miles: Pay for all or part of your flight with miles - and put the rest on your Card
- Express Approval. Get a decision in less than 60 seconds.
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| Intro Purchase APR |
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APR |
Annual Fee |
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See Terms* |
See Terms* |
14.50% |
$150 |
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Simmons First Visa® Platinum
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| One of the lowest ongoing APRs in the nation |
- Variable APR of 7.25%
- No annual fee
- Global acceptance
- Travel insurance
- Car rental loss/damage waiver covering collision, theft and vandalism
- Emergency cash and credit card replacement
- Card issued by Simmons First National Bank
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
None |
7.25% |
None |
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Citi ForwardSM 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.
- 5,000 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 6 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 6 mo. |
0% for 6 mo. |
14.24% (V) |
None |
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Chase SapphireSM
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- 10,000 Bonus Points after first purchase
- 2X on all airfare booked through Ultimate Rewards
- No earning caps, point expiration, or blackout dates
- Earn up to 10x for every dollar when shopping at select merchants through Ultimate Rewards Mall
- 1 point for every dollar on all other purchases
- 24/7 Dedicated service advisor (No voice recording)
- Premier travel protection benefits
- No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
None |
12.24% |
None |
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Discover® MoreSM Card
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- 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
- 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
- Up to 1% Cashback Bonus® on all other purchases automatically
- Unlimited cash rewards
- Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus® Partners
- 0%* Intro APR for 6 months on Purchases, and up to 12 months on Balance Transfers*
- 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 up to 12 months* |
11.99%* |
None* |
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PartnersFirst Cash Back Visa® Credit Card
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- Get a $50 statement credit, when you spend $100 on purchases within 60 days on the card.*
- Earn 1% cash back on every purchase and customize your card with your favorite photo!
- *Terms of Offer: In order to qualify, you must be approved and make qualifying purchases totaling $100 within the first 60 days of account open date. Offer valid for new cardholders through this promotion only. Not valid for existing PartnersFirst Rewards cardholders. This promotion is offered and administered by PartnersFirst. Offer to apply expires January 8, 2010.
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| Intro Purchase APR |
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APR |
Annual Fee |
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None |
0% for 6 mo.* |
16.24% |
None |
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Discover® MoreSM Card - American Flag
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- 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
- 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
- Up to 1% Cashback Bonus® on all other purchases automatically
- Unlimited cash rewards
- Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus® Partners
- 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers*
- 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%* |
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 mo.* |
13.24% |
$29 |
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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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