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.

 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
  
 Intro Purchase APR
0% ""until May 2016*
Intro Balance Trans. APR
0% ""until May 2016*
APR
12.9% - 22.9% (Variable)
Annual Fee
$0
 



 U.S. Bank Visa® Platinum Card 
 

  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-20.99%*
  • No annual fee*
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • Zero fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help keep your account safe
  • Chip technology for enhanced card security
  • Online banking and mobile apps* for your smartphone or tablet provide complete, 24/7 access to your account
  
 Intro Purchase APR
0%* for 15 billing cycles*
Intro Balance Trans. APR
0%* for 15 billing cycles*
APR
9.99% - 20.99%* (Variable)
Annual Fee
$0*
 



 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
  
 Intro Purchase APR
0% ""until August 2016*
Intro Balance Trans. APR
N/A*
APR
11.9% - 21.9% (Variable)
Annual Fee
$0
 



 U.S. Bank FlexPerks® Travel Rewards Visa Signature® card  
 

  • Earn 20,000 enrollment FlexPoints after you spend $3,500 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • Earn one FlexPoint for every $1 of eligible net purchases charged to your Card
  • Earn two FlexPoints for every $1 spent on gas, grocery or airline net purchases — whichever you spend most on each monthly billing cycle — and on most cell phone expenses
  • Earn Triple FlexPoints on eligible charitable donations*
  • No Foreign Transaction Fees (based on creditworthiness).*
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
  • Subject to credit approval.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
0%* for 12 billing cycles*
APR
13.99% - 23.99%* (Variable)
Annual Fee
$0 intro* for the first year, then $49*
 



 USAA Rate Advantage Platinum MasterCard® 
 

  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • No annual fee: And avoid fine-print fees - no over-the-limit fees or penalty rates, so you keep more money in your pocket.
  • Variable rates starting at 6.9% on purchases, balance transfers and cash advances. It's the same low rate for all transactions.
  • Free Travel and Retail Benefits: Get benefits like Rental Car Collision Damage Coverage and Extended Warranty coverage on your purchases.
  • Making your busy life simpler: Our online and mobile tools help you manage your account anytime, anywhere.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
6.90%-23.90% (Variable)
Annual Fee
$0
 



 PlayStation® Card from Capital One®  
 

  • Earn 5,000 bonus points after your first purchase in the first 90 days
  • 10 points per $1 spent on all PlayStation® Store purchases
  • 3 points per $1 spent on PlayStation® and Sony purchases at Sony Store and store.sony.com
  • 3 points per $1 spent on quick service restaurants, movie theatres, & your mobile phone bill
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music, & more
  • 0% intro APR on purchases until June 2016, 13.9% - 24.9% variable APR after that
  • No annual fee
  
 Intro Purchase APR
0% ""until June 2016*
Intro Balance Trans. APR
N/A*
APR
13.9% - 24.9% (Variable)
Annual Fee
$0
 



 Capital One® Card Finder Tool 
 

  • Find card offers you may be eligible for without affecting your credit score
  • Get matched to features you want like low intro rates, cash back or miles, and more
  • See your card matches in less than 60 seconds
  • Find a card for where you are to help you prepare for what's ahead
  • All Capital One cards come with fraud coverage if your card is lost or stolen
  • 24/7 account access including mobile app for fast and easy account management - right from your smartphone
  • Pick the monthly payment due date that works best for you
  • Pay the way you want - by check, online, or at a local branch
  
 Intro Purchase APR
See Terms for See Terms*
Intro Balance Trans. APR
See Terms for See Terms*
APR
Various Rates
Annual Fee
See Terms
 



 Simmons Bank Visa® Platinum Rewards 
 

  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 9.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
  • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
  • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
  • No Annual Fee
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
None for None*
APR
9.25% (Variable)
Annual Fee
$0
 



 Simmons Bank Visa® Platinum 
 

  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 7.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • No Annual Fee
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
None for None*
APR
7.25% (Variable)
Annual Fee
$0
 



 USAA Rate Advantage Platinum Visa® 
 

  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
  • No annual fee: And avoid fine-print fees - no over-the-limit fees or penalty rates, so you keep more money in your pocket.
  • Variable rates starting at 6.9% on purchases, balance transfers and cash advances. It's the same low rate for all transactions.
  • Free Travel and Retail Benefits: Get benefits like Rental Car Collision Damage Coverage and Extended Warranty coverage on your purchases.
  • Making your busy life simpler: Our online and mobile tools help you manage your account anytime, anywhere.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
6.90%-23.90% (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.