Low Interest Credit Cards


Are you looking for a low interest credit card? We have researched the low interest cards that are available online and shortened that list down to the Top 5 that we feel offer the greatest benefit to consumers. With the quality of the low apr cards available today, there is no reason to be paying high interest rates. The cards we have selected offer 0% introductory rates on purchases and balance transfers as well as very competitive on going rates. If you carry a balance, these low interest credit cards can save you hundreds if not thousands of dollars a year depending on the size of your balance.

The credit card issuers are getting very competitive with their low interest card offers. There has never really been a better time to apply. There are low 0% aprs ranging from 6 months all the way to 18 months with some of these cards. Please review our Top 5 Low Interest Cards list and select the card that is right for you.

 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.
  
 Intro Purchase APR
0%* for 18 Months*
Intro Balance Trans. APR
0%* for 18 Months*
APR
12.99% – 21.99%* Variable
Annual Fee
$0*
 



 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 Deals(SM) 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.
  • Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
  
 Intro Purchase APR
0%* for 18 Months*
Intro Balance Trans. APR
0%* for 18 Months*
APR
11.99% – 21.99%* Variable
Annual Fee
$0*
 



 Discover it® 
 

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • *Click \'Apply\' to see rates, rewards, and free FICO® Credit Score terms and other information.
  
 Intro Purchase APR
0% for 14 months*
Intro Balance Trans. APR
0% for 14 months*
APR
10.99% - 22.99% Variable*
Annual Fee
$0
 



 Citi® Dividend Platinum Select® Visa® Card 
 

  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details
  
 Intro Purchase APR
0%* for 12 Months*
Intro Balance Trans. APR
0%* for 12 Months*
APR
12.99% – 22.99%* Variable
Annual Fee
$0*
 



 Capital One® Platinum Prestige Credit Card 
 

  • Transfer a balance for 0% intro APR until July 2015
  • Get 0% intro APR on all purchases until July 2015
  • Enjoy no annual fee
  • Get peace of mind with fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Fast and easy access, 24/7
  • Rent a car using your card and get collision, damage, and loss insurance
  • Feel secure with 24-hour roadside assistance
  
 Intro Purchase APR
0% ""until July 2015*
Intro Balance Trans. APR
0% ""until July 2015*
APR
10.9% - 18.9% (V)
Annual Fee
$0
 



 Capital One® VentureOne® Rewards Credit Card 
 

  • Earn unlimited 1.25 miles on every purchase, every day
  • No annual fee
  • Enjoy a one-time bonus of 20,000 miles once you spend $2,000 on purchases within the first 3 months, equal to $200 in travel
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases
  • Travel when you want—no blackout dates
  • Miles don't expire
  • No limit to the miles you can earn
  
 Intro Purchase APR
0% ""until April 2015*
Intro Balance Trans. APR
N/A*
APR
11.9% - 19.9% (V)
Annual Fee
$0
 



 Barclaycard Arrival™ World MasterCard® - Earn 1x on All Purchases 
 

  • Start by earning 20,000 bonus miles when you make $1,000 or more in purchases in the first 90 days from account opening. 20,000 bonus miles equates to $200 off your next trip!
  • 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 purchases,1X miles on all other purchases, and no mileage caps or foreign transaction fees
  • Get 10% miles back when you redeem for travel (i.e. redeem 25,000 miles for travel and get 2,500 miles back)
  • Use miles for a statement credit toward any airline purchase to any destination with no seat restrictions and no blackout dates
  • Easily redeem your miles for statement credits toward flights, cruises, car rentals, hotels and more
  • Complimentary one year subscription of TripIt Pro mobile travel organizer – a $49 value
  • Complimentary FICO® Scores as a benefit to active card members. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
  
 Intro Purchase APR
0% for 12 months*
Intro Balance Trans. APR
0% for 12 months*
APR
14.99% or 18.99%* (Variable)
Annual Fee
$0
 



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Rating: 5.0/5 (9 votes cast)
Low Interest Credit Cards, 5.0 out of 5 based on 9 ratings

Best Low Interest Credit Cards

The credit card issuers have created some very compelling low interest credit card offers. The time duration of the 0% offers have never been longer. Even when you go back a few years prior to the financial issues that the banks were facing, they never had offers such as the ones that you see on our website. They are now very profitable again and that means they have the flexibility to lend and grow their credit card portfolios. So now that these offers are available, how do you choose the best? You need to consider several things. One thing to consider is does the card have an annual fee? Unless the card is a credit card offering extraordinary rewards, the odds are against the card charging an annual fee. The cards that we have ranked as the best don't have an annual fee. You also need to consider the length of the balance transfer and purchase introductory rates. If you are not going to be transferring a balance, you may want to choose a card that has a longer 0% purchase rate. Finally we recommend that you consider the rewards and perks that the cards offer. While some cards offer really longer 0% introductory rates, others also offer rewards such as frequent flyer miles or cash back. There are also offers giving you a special cash back bonus just for using the card after you reach a certain amount spent. We took all of these factors into account when we created our rankings for the best low interest credit cards that we have listed above.

Do Fixed Low APR Credit Cards Exist?

The cards with low fixed interest rates have all but evaporated when the Credit Card Accountability Responsibility and Disclosure Act of 2009 was signed into law. The Credit Card Act limited what the issuers can an can't do with interest rates and really limited their ability to react appropriately with changing market conditions. To maintain some level of flexibility almost every issuer eliminated their fixed rate offers and move to a variable rate model. The 0% introductory rates on this site are fixed for the term of the offer as long as you continue to pay your bill on time.

Picking the Lowest Interest Rate Credit Cards

When comparing the credit cards with low interest rates, the card with the lowest APR might not be the best. You shouldn’t select your card on interest rates alone. You will want to take several card features into account such as annual fees, rewards, fraud protection, and online account management. When it comes to rates you will want to decide if making purchases or transferring a balance is more important to you. The reason for this is that the introductory periods differ for card to card on purchases and balance transfers. For example, if you are wanting to transfer a balance you would probably want to select a credit card with a 0% on balance transfers for 24 months and 0% for 6 months on purchases versus a card that is offering 12 months on both. The extra 12 months on the transfer will save you more money in interest. We took all these items and more into account when we created our list of the best low interest credit card offers.