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Low Interest Credit Cards

Low Interest Credit Card

Low Interest 0% APR offers have significantly changed due to the financial strain on the U.S. economy. However, consumers with good credit of approx. 680 to 750 can still get a low interest rate of 11% and 0% APR for 15 months!

 

In the past year, the major credit card companies have changed the terms on 0% APR offers. A few months ago, the top promotional intro period offer was 6 months. However, in late Q4, Citi and Discover have began increasing the intro period back to 12 months. This is great news for consumers with good credit that Citi has now extended to 15 months. There may still be changes ahead, so it's important to try and lock-in AT LEAST a 12 month rate before the the promotional periods are further reduced. Before transferring any balance, make sure to confirm the period after receiving your credit card by mail.

LOCK-IN Now! Below are credit cards which offer a low 0% promotional interest rate and an ongoing low regular APR so that you can start saving on interest today.

Citi® Platinum Select® MasterCard®

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  • Editor's Rating: 9.5 Top Pick
  • Consumer Rating: (19 ratings) 9.1
Citi® Platinum Select® MasterCard®
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Intro APR: 0%
Regular APR: As Low As 11.99% Variable
Annual Fee: None
Intro Period: Up to 15 Months
Balance Transfer: Yes*
Credit Needed: Good

Don't know your Credit Score? Click here

  • 0% APR* on balance transfers and purchases for up to 15 months
  • No annual fee
  • Citi® Identity Theft Solutions
  • $0 Liability on unauthorized purchases
  • Secure, free online account management
  • Extra Cash from Citi: enjoy significant discounts on gift cards, travel, merchandise and more.

Discover® More® Card

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  • Editor's Rating: 9.0
  • Consumer Rating: (20 ratings) 8.9
Discover® More® Card
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Intro APR: 0%*
Regular APR: as low as 11.99% Variable*
Annual Fee: None
Intro Period: 12 Months*
Balance Transfer: Yes*
Credit Needed: Excellent

Don't know your Credit Score? Click here

  • 0% APR on Balance Transfers for a FULL 12 months
  • 0% APR on Purchases for a FULL 6 months
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
  • Up to 1% unlimited Cashback Bonus on all other purchases automatically
  • Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
  • Instant Response within 60 seconds

Discover® More®Card - $50 Cashback Bonus®

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  • Editor's Rating: 0.0
  • Consumer Rating: 0.0
Discover® More®Card - $50 Cashback Bonus®
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Intro APR: 0%*
Regular APR: as low as 12.99% Variable*
Annual Fee: None
Intro Period: 6 months*
Balance Transfer: Yes*
Credit Needed: Excellent

Don't know your Credit Score? Click here

  • 0% APR on Balance Transfers for a FULL 12 months
  • 0% APR on Purchases for a FULL 6 months
  • Get $50 Cashback Bonus after your first $599 in purchases
  • 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants and more
  • Up to 1% unlimited Cashback Bonus on all other purchases automatically
  • Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners

Slate(SM) from Chase

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  • Editor's Rating: 8.5
  • Consumer Rating: 0.0
Slate(SM) from Chase
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Intro APR: 0%
Regular APR: As low as 13.24% Variable
Annual Fee: None
Intro Period: up to 12 Months
Balance Transfer: Yes*
Credit Needed: Excellent

Don't know your Credit Score? Click here

  • 0% Intro APR for up to 12 months
  • No Annual Fee
  • Pay down balances on your terms with Blueprint(SM)
  • Zero Liability on unauthorized purchases
  • E-mail and text alerts

Blue from American Express(R)

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  • Editor's Rating: 9.5
  • Consumer Rating: (7 ratings) 9.6
Blue from American Express(R)
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Intro APR: See Terms*
Regular APR: As Low As 15.24%
Annual Fee: No Annual Fee
Intro Period: See Terms*
Balance Transfer: Yes*
Credit Needed: Excellent

Don't know your Credit Score? Click here

  • 0% Intro APR for 6 months on purchases
  • No Annual Fee
  • Earn Membership Rewards(R) points for your everyday purchases, and enjoy fast and easy ways to earn and redeem so you can get the rewards you want now
  • Express Approval. Get a decision in less than 60 seconds.

Blue Cash(R) from American Express

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  • Editor's Rating: 9.0
  • Consumer Rating: (6 ratings) 9.5
Blue Cash(R) from American Express
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Intro APR: See Terms*
Regular APR: As Low As 17.24%
Annual Fee: No Annual Fee
Intro Period: Up to 12 Months
Balance Transfer: Yes*
Credit Needed: Excellent

Don't know your Credit Score? Click here

  • When you shop with Blue Cash, you can earn up to 5% cash back on every eligible purchase
  • No Annual Fee
  • 0% Intro APR for 6 months on purchases
  • Express Approval. Get a decision in less than 60 seconds.

Bryant State Bank MasterCard®

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  • Editor's Rating: 0.0
  • Consumer Rating: 0.0
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Intro APR: N/A
Regular APR: 11.25%
Annual Fee: $20
Intro Period: N/A
Balance Transfer: Yes*
Credit Needed: Fair

Don't know your Credit Score? Click here

  • Low Interest Rate of 11.25%*
  • Introductory Balance Transfer Rate
  • No Balance Transfer Fee
  • $0 Fraud Liability
  • 24/7 Online Account Access
  • Emergency Cash Advance & Card Replacement

Discover® More® Card - American Flag

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  • Editor's Rating: 9.0
  • Consumer Rating: (1 ratings) 9.0
Discover® More® Card - American Flag
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Intro APR: 0%*
Regular APR: as low as 11.99% Variable*
Annual Fee: None
Intro Period: 6 Months*
Balance Transfer: Yes*
Credit Needed: Excellent

Don't know your Credit Score? Click here

  • 0% APR on Balance Transfers and Purchases for a full 6 months
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
  • Up to 1% unlimited Cashback Bonus on all other purchases automatically
  • Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
  • Instant Response within 60 seconds
  • No Annual Fee

Top things to consider when choosing a new low interest credit card:

1. For most "low interest credit cards", there are two rates. The rate which tends to be the most appealing to potential credit card applicants is the introductory rate offered on purchases and transfers - this tends be either 0% or in the single digits. Therefore, you should determine or make a note of what the interest rate being offered is for the introductory period (e.g. 12 months) and what interest rate is being offered after that time - the regular interest rate.

2. What is your approximate credit score. If you have a good idea, then you probably don't need to submit for a copy of your credit report. However, your regular rate is determined based on your credit history. Sometimes people expect to get the advertised rate, typically the lowest interest rate offered, and they end up with a higher rate because the credit card company didn't qualify their credit score as worth of their lowest consumer rate tier.

3. Don't miss your minimum monthly payment, otherwise your introductory rate will turn into your regular interest rate.

Save even more, by transferring all of your high interest rate balances to a zero or low fixed rate apr credit card for up to 12 months.  The Wall Street Journal also gives recommendations for how to cash in on 0% offers. For more information about low interest credit cards, we have specific articles on fixed rate credit cards, low apr credit cards, low interest cards with no fees, and how cash advances relate to low interest credit cards.

Other resources which are extremely helpful for offering a guide on credits cards are listed below:


* See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click on the “Apply Here" button and review info on the secure credit card terms page.

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