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 11.99% and 0% APR for up to 18 months!
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We only provide independent reviews on credit cards which offer (1) a low 0% promotional interest rate and (2) an ongoing low regular APR so that you can start saving on interest today.
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Editor's Rating:
9.0
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Consumer Rating: (11 ratings)
8.9
| Intro APR: |
0%* |
| Regular APR: |
11.99% - 20.99% (Variable)* |
| Annual Fee: |
None |
| Intro Period: |
6 Months* |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Excellent
|
Don't know your Credit Score? Click here
- 2% Cashback Bonus automatically at any gas station and any restaurant
- 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus on all other purchases
- 0% intro APR on balance transfers for 12 full months, then the Regular APR
- 0% intro APR on purchases for 6 months, then the Regular APR
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Editor's Rating:
8.0
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Consumer Rating: (1 ratings)
9.0
| Intro APR: |
0% if you qualify* |
| Regular APR: |
12.99% - 19.99%* (Variable) |
| Annual Fee: |
None |
| Intro Period: |
12 months on BTs |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Good
|
Don't know your Credit Score? Click here
- Earn up to 8,500 bonus points after you sign up for paperless statements and make $250 in purchases within the first 3 months of account opening.
- 5 ThankYou points for every $1 you spend on restaurants and entertainment. 1 reward point for every $1 you spend on other purchases.
- Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row.
- No annual fee
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Editor's Rating:
8.5
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Consumer Rating: (4 ratings)
6.8
| Intro APR: |
N/A |
| Regular APR: |
N/A |
| Annual Fee: |
$125 annual fee |
| Intro Period: |
N/A |
| Balance Transfer: |
No |
| Credit Needed: |
Excellent
|
Don't know your Credit Score? Click here
- Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in your first 3 months of Card membership - redeemable for select gift cards valued at $100!
- The Membership Rewards program - Turn your everyday purchases into Membership Rewards points, and then redeem them for an amazing collection of travel, shopping, dining and entertainment rewards.
- Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
- Express Approval. Get a decision in 60 seconds.
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.
