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 12 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. There may still be changes ahead, so it's important to try and lock-in 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.
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Editor's Rating:
9.0
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Consumer Rating: (11 ratings)
8.9
| Intro APR: |
0%* |
| Regular APR: |
as low as 11.99% Variable* |
| Annual Fee: |
None |
| Intro Period: |
Up to 6 Months |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Excellent
|
Don't know your Credit Score? Click here
- Double Cashback Bonus automatically on your first $250 in purchases each month at any gas station and any restaurant.
- 5% to 20% Cashback Bonus at over 100 top retailers through our exclusive online shopping mall, ShopDiscover(SM)
- Up to 1% unlimited Cashback Bonus on all other purchases automatically
- Flexible redemption options: choose from Partner gift cards, merchandise, Discover® gift cards, credit to your Discover card account or an electronic deposit to your bank account
- Turn your Cashback Bonus into bigger rewards by redeeming for gift cards or eCertificates from over 100 brand-name Partners such as Bed, Bath & Beyond®, Red Lobster® and Lands' End®.
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Editor's Rating:
8.5
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Consumer Rating: (3 ratings)
8.7
| 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 3 months - redeemable for a $100 gift card!
- The Membership Rewards(R) program - Earn 1 Membership Rewards(R) point for virtually every dollar you spend and redeem for your choice of travel, shopping, 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 less than 60 seconds.
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Editor's Rating:
8.0
-
Consumer Rating:
0.0
| Intro APR: |
0% |
| Regular APR: |
14.24% Variable |
| Annual Fee: |
None |
| Intro Period: |
7 Months |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Good
|
Don't know your Credit Score? Click here
- The credit card that rewards you for good behavior.
- 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.
- 6,000 bonus points after $250 in purchases are made within 3 months of account opening.
- 2,500 bonus points when you sign up for paperless statements within 3 months of account opening.
- 5 reward points for every $1 you spend on dining, books, movies and music. 1 reward point for every $1 you spend on other purchases.
- 0% APR for 7 months on purchases and balance transfers.
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Editor's Rating:
7.5
-
Consumer Rating:
0.0
| Intro APR: |
N/A |
| Regular APR: |
14.99% or 21.99% Variable |
| Annual Fee: |
$0- $59* |
| Intro Period: |
N/A |
| Balance Transfer: |
No |
| Credit Needed: |
Fair
|
Don't know your Credit Score? Click here
- Over $1.1 Million Awarded to Date!
- Large monthly cash jackpots
- Earn entries from everyday shopping
- Get 1,000 entries just for applying!
- A New Winner Every Month!
- Refer your friends and automatically receive 50 entries for each referral and get a signing bonus of 1,000 entries for each referral who is approved for the American DreamCard™
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Editor's Rating:
8.5
-
Consumer Rating:
0.0
| 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
- Help protect the planet with the new biodegradable Discover Card
- Card plastic breaks down 99% within five years in landfill conditions
- 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
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Editor's Rating:
0.0
-
Consumer Rating: (1 ratings)
7.0
| Intro APR: |
N/A |
| Regular APR: |
13.24% |
| Annual Fee: |
$495 |
| Intro Period: |
N/A |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Excellent
|
Don't know your Credit Score? Click here
- 24-Hour Concierge Service: Enjoy the personalized assistance of a 24-hour Concierge Service catering to entertainment, travel, business, shopping and lifestyle needs.
- Exclusive Rewards Program: Receive 1% cash back on all purchases with Black Card’s Exclusive Rewards Program.
- Travel Redemption: Redeem points at a higher rate for flights on any airline at any time. No blackout dates or advance purchase requirements.
- Luxury Gifts: Cardmembers receive luxury gifts from some of the world's top brands.
- Travel Lounge Priority Pass: Complimentary membership which provides access to over 600 lounges in more than 100 countries.
- Limited Membership: Membership is limited to ensure the highest caliber of personal service is provided to each Cardmember.
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.
