Low Interest Credit Cards
- Compare low interest credit cards from major credit card companies offering 0% APR
- Expert and Independent ratings & consumer reviews
- Secure and immediate online application process
- Intro APR 0% for 18 Months*
- Intro BT APR 0% for 18 Months*
- Click "APPLY NOW" to apply online or call 800-340-7968
- 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 APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
|---|---|---|---|---|
| 0% for 18 Months* | 0% for 18 Months* | 12.99%-21.99% (Variable)* | $0* | Good to Excellent |
- Intro APR 0% for 12 Months*
- Intro BT APR 0% for 12 Months*
- $100 cash back after $500 in purchases within the first 3 months of account opening
- 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
- Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment
- Enroll at no additional cost each quarter for new categories that earn additional cash back
- Full 1% cash back on all other purchases and eligible cash advances.
- No Annual Fee*
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
|---|---|---|---|---|
| 0% for 12 Months* | 0% for 12 Months* | 12.99%-22.99%* (Variable) | $0 | Excellent to Good |
- Intro APR 0% for 18 Months*
- Intro BT APR 0% for 18 Months*
- Click "APPLY NOW" to apply online or call 800-517-4031
- 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® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item
- Let our 24/7 concierge service help book your hotel rooms, flights and more
- $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
- No annual fee*
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
|---|---|---|---|---|
| 0% for 18 Months* | 0% for 18 Months* | 11.99%-21.99% (Variable)* | $0* | Good to Excellent |
- Intro APR 0% on Purchases until June 2014*
- Intro BT APR N/A*
- 1.25 miles per dollar on every purchase, every day and no annual fee
- One-time bonus of 10,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $100 in travel.
- Redeem miles for airline tickets, hotel rooms, car rentals, and more
- No limit on the miles you can earn and miles don't expire
- Fly on any airline, any time with no blackout dates
- 0% intro APR on purchases until June 2014
- No foreign transaction fees
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
|---|---|---|---|---|
| 0% on Purchases until June 2014* | N/A* | 11.90%-19.90% (Variable) | None | Excellent |
- Intro APR 0% for 14 Months
- Intro BT APR 0% for 14 Months
- The new Discover it card is out to change the way people think about credit cards.
- Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
- Generous...5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
- Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
- Flexible...Choose your own due date and pay up to midnight ET online or by phone.
- Human...talk to a real person any time with 100% U.S.-based service.
- Safe...Because you'll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
- 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99%-22.99%. *Click apply for Terms & Conditions.
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
|---|---|---|---|---|
| 0% for 14 Months | 0% for 14 Months | 10.99% - 22.99%* (Variable) | $0 | Excellent |
- Intro APR 0% on purchases until September 2014
- Intro BT APR 0% until September 2014
- 0% intro APR until September 2014 on balance transfers
- 0% intro APR until September 2014 on purchases
- No annual fee
- $0 Fraud Liability if your card is lost or stolen
- 24-hour travel assistance gives you a replacement card and cash advance
- 24-hour roadside assistance
- Pick an image for your card - choose the one shown here, any of the hundreds in our collection, or add your own
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
|---|---|---|---|---|
| 0% on purchases until September 2014 | 0% until September 2014 | 10.90%-18.90% (Variable)* | None | Excellent |
- Intro APR 0% Intro APR for 15 months on purchases and balance transfers
- Intro BT APR 0% for 15 Months*
- Introductory offer - No Balance Transfer Fee!*
- Transfer a balance during the first 60 days your account is open, and as an introductory offer you will pay no balance transfer fee!*
- 0% Intro APR for 15 months on purchases and balance transfers!*
- Avoid interest and pay down balances faster with free Blueprint® features*
- Patented Fraud Protection and zero liability on unauthorized purchases*
- Add an additional card user to your Slate account at no extra cost*
- No Annual Fee*
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
|---|---|---|---|---|
| 0% Intro APR for 15 months on purchases and balance transfers | 0% for 15 Months* | 11.99%-21.99% Variable | $0 | Excellent |
- Intro APR 0% for purchases for 12 billing cycles
- Intro BT APR 0% for qualifying balance transfers for 12 billing cycles
- Get $100 cash rewards bonus after you spend $500 on purchases in the first 90 days of account opening
- 1% cash back on purchases everywhere, every time
- 2% on groceries and 3% on gas for the first $1500 in combined gas and grocery purchases each quarter
- Get a 10% customer bonus when you redeem 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, the regular APR
- No Annual fee
- No rotating categories and your rewards do not expire
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
|---|---|---|---|---|
| 0% for purchases for 12 billing cycles | 0% for qualifying balance transfers for 12 billing cycles | 12.99% - 22.99% (V) purchases & balance transfers | None | Excellent |
Updated on
0% Credit Cards
Low interest rate (or 0%) credit cards can save you hundreds of dollars on balance transfers and on routine purchases carried over as credit card balances. Or you may simply want to be rewarded with a preferential interest rate as acknowledgement for good credit history and responsible debt management. Whatever your goals or motivation, zero percent or low interest credit cards can help you maintain the lowest rates available to individuals with excellent to good credit. You can find out more about credit score here.
Keep in mind that there are two main categories of low rate credit cards, namely those that offer a Variable APR and those that give you a Fixed APR. Just like with variable versus fixed rate mortgages, a fixed rate APR will remain relatively stable through the course of the loan. If your card company decides to raise it – which is somewhat rare – they will first notify you of that change according to Federal law requirements. With a variable rate, your APR is tied to a prevailing rate such as the Prime Interest Rate. If the prime rate increases then your APR will most likely follow in a similar fashion.
Generally speaking, credit card companies and banks will extend either 6 or 21 month offers – within the 0% to 3.99% annual interest rate range. That can generate a considerable discount when normal APRs are averaging around 15% or higher. Once the introductory promotional period expires, the APR on a low interest credit card will revert to the regular interest rate. Of course the ideal balance is a credit card that offers a great near term rate followed by an attractive, competitively priced low interest rate for the long term.
The interest rate charged on your credit card is widely regarded as the single most important component of your card. That’s because it determines the major cost for you to borrow or roll over balances and pay them off over time instead of all at once or within the same month that you make purchases. That’s why getting a zero percent or low interest credit card can be huge financial boon, no matter what your credit card usage patterns or money management strategies may be.
Over 1,250,000 cardholders since 2005
