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
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Intro Purchase APR

0% for 18 Months*

Intro BT APR

0% for 18 Months*

Sign Up Offer

Intro Purchase APR 0% for 18 Months*
Intro Balance Transfer: 0% for 18 Months*

Ongoing Information

Regular Purchase APR: 12.99%-21.99% (Variable)*
Annual Fee: $0*
Credit Needed:
 
Excellent to Good

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

Get Your Free Score!
Excellent

Approved
Credit Scores*

Average:

720

Lowest:

644

Highlights

  • 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
  • Citi® Easy DealsSM Points - Save every day on brand name merchandise, local deals and gift cards with Citi Easy Deals.
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or call800-517-4031

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Intro Purchase APR

0% for 18 Months*

Intro BT APR

0% for 18 Months*

Sign Up Offer

Intro Purchase APR 0% for 18 Months*
Intro Balance Transfer: 0% for 18 Months*

Ongoing Information

Regular Purchase APR: 11.99%-22.99%* (Variable)
Annual Fee: $0*
Credit Needed:
 
Excellent to Good

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

Get Your Free Score!
Excellent

Approved
Credit Scores*

Average:

727

Lowest:

672

Highlights

  • 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® 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.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
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Intro Purchase APR

0% for purchases for 12 billing cycles*

Intro BT APR

0% for qualifying balance transfers for 12 billing cycles*

Sign Up Offer

Intro Purchase APR 0% for purchases for 12 billing cycles*
Intro Balance Transfer: 0% for qualifying balance transfers for 12 billing cycles*

Ongoing Information

Regular Purchase APR: 12.99% - 22.99% Variable* on purchases & balance transfers
Annual Fee: $0
Credit Needed:
 
Excellent to Good

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

Get Your Free Score!
Excellent

Approved
Credit Scores*

Average:

N/A

Lowest:

N/A

Highlights

  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on purchases everywhere, every time
  • 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter.
  • Bank of America customers: Get an on-going 10% customer bonus every time 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, 12.99%-22.99% variable APR
  • No annual fee
  • No changing categories and your rewards do not expire
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or call866-944-1793

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Intro Purchase APR

0% for 15 Months*

Intro BT APR

0% for 15 Months*

Sign Up Offer

Intro Purchase APR 0% for 15 Months*
Intro Balance Transfer: 0% for 15 Months*

Ongoing Information

Regular Purchase APR: 12.99%, 17.99%, 22.99% (V)
Annual Fee: $0
Credit Needed:
 
Excellent to Good

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

Get Your Free Score!
Excellent

Approved
Credit Scores*

Average:

730

Lowest:

661

Highlights

  • Click "APPLY NOW" to apply online or call 888-689-1268
  • Pay less interest. Save on balances and new purchases
  • $0 balance transfer fee introductory offer!
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • $0 Annual Fee
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Intro Purchase APR

0%* for 6 Months

Intro BT APR

0% for 18 Months

Sign Up Offer

Intro Purchase APR 0%* for 6 Months
Intro Balance Transfer: 0% for 18 Months

Ongoing Information

Regular Purchase APR: 10.99% - 22.99%* (Variable)
Annual Fee: $0
Credit Needed:
 
Excellent to Good

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

Get Your Free Score!
Excellent

Approved
Credit Scores*

Average:

731

Lowest:

687

Highlights

  • 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 when you sign up.*
  • 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 balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • *Click "Apply" to see rates, rewards, and  free FICO® Credit Score terms and other information.
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Reward

Earn $100 Bonus*

Intro Purchase APR

0% for 15 months on purchases and BTs*

Sign Up Offer

Intro Purchase APR 0% for 15 months on purchases and BTs*
Intro Balance Transfer: 0% for 15 months on purchases and BTs*

Ongoing Information

Regular Purchase APR: 13.99%-22.99% Variable*
Annual Fee: $0
Credit Needed:
 
Excellent to Good

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

Get Your Free Score!
Excellent/Good

Approved
Credit Scores*

Average:

696

Lowest:

643

Highlights

  • Earn a $100 Bonus after you make $500 in purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99%-22.99%.
  • 5% Cash Back on up to $1,500 in combined purchases between April 1 and June 30, 2014 at restaurants and Lowe's® home improvement stores
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire
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Intro Purchase APR

0% for 12 Months*

Intro BT APR

0% for 12 Months*

Sign Up Offer

Intro Purchase APR 0% for 12 Months*
Intro Balance Transfer: 0% for 12 Months*

Ongoing Information

Regular Purchase APR: 12.99%-22.99%* (Variable)
Annual Fee: $0*
Credit Needed:
 
Excellent to Good

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

Get Your Free Score!
Excellent

Approved
Credit Scores*

Average:

712

Lowest:

656

Highlights

  • 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
 
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Intro Purchase APR

0% for 14 Months

Intro BT APR

0% for 14 Months

Sign Up Offer

Intro Purchase APR 0% for 14 Months
Intro Balance Transfer: 0% for 14 Months

Ongoing Information

Regular Purchase APR: 10.99% - 22.99%* (Variable)
Annual Fee: $0
Credit Needed:
 
Excellent to Good

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

Get Your Free Score!
Excellent

Approved
Credit Scores*

Average:

711

Lowest:

676

Highlights

  • 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 when you sign up.*
  • 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.
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Apply Now

or call888-909-5733

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Intro Purchase APR

0% until April 2015*

Bonus Miles

20,000 miles with minimum spending requirement*

Sign Up Offer

Intro Purchase APR 0% on Purchases until April 2015*
Intro Balance Transfer: N/A

Ongoing Information

Regular Purchase APR: 11.9%-19.9% (Variable)
Annual Fee: None
Credit Needed:
 
Excellent to Good

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

Get Your Free Score!
Excellent/Good

Approved
Credit Scores*

Average:

729

Lowest:

654

Highlights

  • 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
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Apply Now

or call888-909-5733

Apply Securely

Intro Purchase APR

0% until July 2015

Intro BT APR

0% until July 2015

Sign Up Offer

Intro Purchase APR 0% until July 2015
Intro Balance Transfer: 0% until July 2015

Ongoing Information

Regular Purchase APR: 10.9%-18.9% (V)
Annual Fee: $0
Credit Needed:
 
Excellent to Good

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

Get Your Free Score!
Excellent/Good

Approved
Credit Scores*

Average:

687

Lowest:

634

Highlights

  • 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 
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or call866-927-5618

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Bonus Miles

20,000 miles with minimum spending requirement*

Rewards Rate

2 miles per dollar

Sign Up Offer

Intro Purchase APR N/A*
Intro Balance Transfer: N/A

Ongoing Information

Regular Purchase APR: 13.90%-20.90% (Variable)
Annual Fee: $0 intro for first year; $59 after that
Rewards Rate: 2 miles per dollar
Credit Needed:
 
Excellent to Good

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

Get Your Free Score!
Excellent/Good

Approved
Credit Scores*

Average:

731

Lowest:

660

Highlights

  • Earn unlimited 2X miles on every purchase, every day
  • 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
  • Travel when you want—no blackout dates
  • Miles don’t expire
  • No limit to the miles you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $59 after that
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Apply Now

or call866-927-5618

Apply Securely

Intro Purchase APR

0% APR on purchases until January 2015

Intro BT APR

0% APR until January 2015

Sign Up Offer

Intro Purchase APR 0% on purchases until January 2015
Intro Balance Transfer: 0% until January 2015

Ongoing Information

Regular Purchase APR: 12.9%-22.9% (V)
Annual Fee: $0
Credit Needed:
 
Excellent to Good

Credit cards for excellent credit are intended for those with a FICO score of 700 or Higher.

Get Your Free Score!
Excellent/Good

Approved
Credit Scores*

Average:

714

Lowest:

642

Highlights

  • One-time $100 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 and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
  • Your cash back doesn't expire
  • 0% intro APR on purchases and balance transfers until January 2015
  • No annual fee
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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.

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