Low Interest Credit Cards
- Compare +20 cards from major credit companies offering 0 credit cards and a low ongoing 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*
Highlights:
- 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.
- $0 Liability on unauthorized purchases
- Citi® Identity Theft Solutions
- Secure, free online account management
- 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) | None | Good to Excellent |
- Intro APR 0% until May 2013
- Intro BT APR 0% until May 2013
Highlights:
- 0% intro APR until May 2013 on balance transfers
- 0% intro APR until May 2013 on purchases
- No annual fee
- $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
- 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% until May 2013 | 0% until May 2013 | 10.9% - 18.9% (V)* | None | Excellent |
- Intro APR 0% until February 2012*
- Intro BT APR N/A*
Highlights:
- 1.25 miles per dollar on every purchase, every day
- Earn 10,000 bonus miles, 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 won't expire
- Fly free on any airline, any time with no blackout dates
- 0% intro APR on purchases until February 2012
- No foreign transaction fees
- No annual fee
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% until February 2012* | N/A* | 11.9% - 19.9% (V)* | None | Excellent |
- Intro APR N/A*
- Intro BT APR N/A*
Highlights:
- This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
- Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
- You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases
- Up to an additional 10% Cash Back when you shop online at select merchants through Chase
- No annual fee and rewards never expire
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A* | N/A* | 15.99%-22.99%*(Variable) | None | Excellent |
- Intro APR NA*
- Intro BT APR NA*
Highlights:
- $200 cash back after $500 in purchases within the first 3 months of account opening
- 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment.
- Each quarter, you can enroll to earn additional cash back in popular categories.
- 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: |
| NA* | NA* | 12.99%-22.99%* (Variable) | None | Excellent |
- Intro APR 0% for 15 Months
- Intro BT APR 0% for 15 Months
Highlights:
- Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness*
- Earn 1 ThankYou Point for every $1 you spend on purchases.
- Earn an anniversary bonus on points earned from purchases every year*
- Enjoy no limit on the number of points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No annual fee*
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% for 15 Months | 0% for 15 Months | 13.99%-21.99%* (Variable) | None | Excellent |
- Intro APR 0% for 18 Months*
- Intro BT APR 0% for 18 Months*
Highlights:
- 0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
- 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) | None | Good to Excellent |
- Intro APR 0% for 12 Months*
- Intro BT APR 0% for 12 Months*
Highlights:
- $100 cash back after $500 in purchases within the first 3 months of account opening.
- 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment. Each quarter, you can enroll to earn additional cash back in popular categories. To learn more, visit dividend.quarterlyoffer.citi.com.³
- 1% cash back on all other purchases.
- 5% additional cash back on average at over 400 stores through the Citi Bonus Cash Center®.
- No annual fee.¹
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% for 12 Months* | 0% for 12 Months* | 12.99%-22.99%* (Variable) | None | Excellent |
- Intro APR 0% for 18 Months
- Intro BT APR 0% for 18 Months
Highlights:
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.*
- 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
- Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®
- Exciting deals and savings for great brands through Citi Specials
- $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) | None | Excellent |
- Intro APR 0% for 15 Months*
- Intro BT APR 0% for 15 Months*
Highlights:
- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% for 15 Months* | 0% for 15 Months* | 10.99% - 20.99% (Variable)* | None | Excellent |
- Intro APR 0%* for 12 Months
- Intro BT APR 0%* for 12 Months
Highlights:
- Limited Time Offer - $0 Balance Transfer Fee!*
- 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0%* for 12 Months | 0%* for 12 Months | 10.99% - 19.99% (Variable)* | $0* | Excellent |
- Intro APR 0%* for 6 Months
- Intro BT APR 0%* for 18 Months
Highlights:
- 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Discover is ranked #1 in customer loyalty--15 years in row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0%* for 6 Months | 0%* for 18 Months | 10.99% - 20.99% (Variable)* | None | Excellent |
- Intro APR N/A*
- Intro BT APR N/A*
Highlights:
- Money® Magazine's "Most Rewarding Card if you crave free airline flights"
- 2 miles per dollar on every purchase, every day
- Earn 10,000 bonus miles, equal to $100 in travel
- Redeem your miles for any travel expense
- No limit on the miles you can earn and miles won't expire
- Fly free on any airline, any time with no blackout dates
- No foreign transaction fees
- $0 intro annual fee for the first year; $59 after that
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A* | N/A* | 11.9% - 19.9% (V)* | $0 intro for first year; $59 after that | Excellent |
- Intro APR N/A*
- Intro BT APR N/A*
Highlights:
- $150 in gift cards - When you redeem the 15,000 bonus ThankYou® Points received after $1,000 in purchases within 3 months of account opening
- 5 ThankYou Points for every $1 spent on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 spent thereafter and for all other purchases*
- Enjoy no limit on the number of points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No annual fee*
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A* | N/A* | 12.99%-22.99%* (Variable) | None | Excellent |
- Intro APR 0% for 18 Months*
- Intro BT APR 0% for 18 Months*
Highlights:
- 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.
- Peace of mind through direct access to a service representative, no late fees and no penalty rate
- No annual fee
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% for 18 Months* | 0% for 18 Months* | 12.99 - 21.99%* (Variable) | None | Excellent |
Low Interest Credit Cards
Find out who offers the best low interest credit cards with 0 credit card rates. Low interest rate or a 0 interest credit card can save you hundreds of dollars on balance transfers or 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, low interest credit cards can help you maintain the lowest interest rates available to individuals with Excellent to Good credit. You can find out more about credit scores, 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 rate credit card will revert to the regular interest rate. Of course the ideal balance is a 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 low interest credit card can be huge financial boon, no matter what your credit card usage patterns or money management strategies may be.
