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

Details Editor’s Choice

Capital One® Platinum Prestige Credit Card

Editor’s:

Consumer’s:

Apply now

Intro APR 0% until September 2013
Intro BT APR 0% until September 2013

Highlights:

0% intro APR until September 2013 on balance transfers
0% intro APR until September 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

Don’t know your score? Click here.

Card information
Intro APR:	Balance Transfer:	Regular APR:	Annual Fee:	Credit Needed:
0% until September 2013	0% until September 2013	10.90%-18.90% (Variable)*	None	Excellent

Details

Citi® Dividend Platinum Select Visa Card

Editor’s:

Consumer’s:

Apply now

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
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 at The Home Depot and on Home Furnishing and Home & Garden purchases from 4/1/12 to 6/30/12 when you enroll.
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*

Don’t know your score? Click here.

Card information
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

Details

Capital One® VentureOneSM Rewards Credit Card

Editor’s:

Consumer’s:

Apply now

Intro APR 0% until June 2013*
Intro BT APR N/A*

Highlights:

1.25 miles per dollar on every purchase, every day
One-time bonus of 10,000 miles once you spend $1,000 dollars in the first 3 months, equal to $100 on 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 2013
No foreign transaction fees

Don’t know your score? Click here.

Card information
Intro APR:	Balance Transfer:	Regular APR:	Annual Fee:	Credit Needed:
0% until June 2013*	N/A*	11.90-19.90% (Variable)*	None	Excellent

Details

Capital One® VentureSM Rewards Credit Card

Editor’s:

Consumer’s:

Apply now

Intro APR N/A*
Intro BT APR N/A*

Highlights:

With Venture, earn 2 miles per dollar on every purchase, every day
Money® Magazine's "Most Rewarding Card if you crave free airline flights" - Money Magazine, May 2011
Earn 10,000 bonus miles when you spend $1,000 within the first 3 months, equal to $100 in travel.
Redeem your miles for any travel expense
No limit on the miles you can earn and miles don't expire
Fly on any airline, any time with no blackout dates
No foreign transaction fees
$0 intro annual fee for the first year; $59 after that

Don’t know your score? Click here.

Card information
Intro APR:	Balance Transfer:	Regular APR:	Annual Fee:	Credit Needed:
N/A*	N/A*	13.90-20.90% (Variable)*	$0.00 1 year, then $59.00*	Excellent

Details

Slate® from Chase, No Balance Transfer Fee

Editor’s:

Consumer’s:

Apply now

Intro APR 0% for 15 Months*
Intro BT APR 0% for 15 Months*

Highlights:

Limited Time: No Balance Transfer Fee!*
Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee!
After the first 30 days, the balance transfer fee is 3% of the amount transferred with a minimum of $5
0% Intro APR for up to 15 months - a variable APR as low as 11.99-21.99% after your 0% ends
Slate with Blueprint helps you pay down your balances faster and save on interest
Zero liability on unauthorized purchases*
No Annual Fee*

Don’t know your score? Click here.

Card information
Intro APR:	Balance Transfer:	Regular APR:	Annual Fee:	Credit Needed:
0% for 15 Months*	0% for 15 Months*	11.99-21.99% (Variable)*	None	Excellent

Details

Chase Freedom® Visa - $100 Bonus Cash Back

Editor’s:

Consumer’s:

Apply now

Intro APR 0% for 15 months
Intro BT APR 0% for 15 months

Highlights:

Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
0% Intro APR for 15 months on purchases and balance transfers
5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 – 6/30/12
You'll enjoy new 5% categories every 3 months like gas stations, 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

Don’t know your score? Click here.

Card information
Intro APR:	Balance Transfer:	Regular APR:	Annual Fee:	Credit Needed:
0% for 15 months	0% for 15 months	15.99-22.99% (Variable)*	None	Excellent

Updated by Chris Mettler on May 21, 2012

0% Credit Cards

Find out who offers the best low interest credit cards with 0 interest credit card rates. Low interest rate or a 0% credit cards 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 rate credit cards can help you maintain the lowest rates available to individuals with Excellent Credit 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 low interest credit card can be huge financial boon, no matter what your credit card usage patterns or money management strategies may be.