Low Interest Credit Cards

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Chase Slate®

 

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Your Rating:

3.8/5.0 from 659 Offer Ratings
Over the Past 60 Days!

Intro APR

0% for 15 Months*

Rates & Fees

No Annual Fee & Intro No Balance Transfer Fee*

Regular Purchase APR

13.24%-23.24% Variable

Annual Fees

$0

Credit Needed

 
Excellent Credit

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

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Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online
  • Chase Slate named "Best Credit Card for Balance Transfers" three years in a row by MONEY Magazine
  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

BankAmericard® Credit Card

 

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Your Rating:

3.8/5.0 from 361 Offer Ratings
Over the Past 60 Days!

Intro BT APR

0% for qualifying transfers for 18 billing cycles

Balance Transfer Fee

3% fee or $10 applies to each transfer

Regular APR

11.24% - 21.24% Variable APR on purchases and balance transfers

Annual Fees

$0

Credit Needed

 
Excellent Credit

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

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Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online or call 800-483-4499
  • 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then 11.24% - 21.24% Variable APR.
  • Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account

Citi® Diamond Preferred® Card

 

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Your Rating:

4.2/5.0 from 1,536 Offer Ratings
Over the Past 60 Days!

Intro Purchase APR

0% for 21 Months*

Intro BT APR

0% for 21 Months*

Regular Purchase APR

12.24% - 22.24%* (Variable)

Annual Fees

$0*

Credit Needed

 
Excellent Credit

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

Get Your Free Score!
Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online or call 877-836-4537
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24% - 22.24% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • 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*
  • Free access to FICO® Scores*

Discover it® Cashback Match™

 

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Your Rating:

3.7/5.0 from 468 Offer Ratings
Over the Past 60 Days!

Cashback Match™

We’ll match all the cash back you earn at the end of your first year.

EARN

5% Cash Back in bonus categories and 1% cash back everywhere else.

Redeem

Any amount, any time. Cash back rewards never expire.

Annual Fees

$0

Credit Needed

 
Excellent Credit

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

Get Your Free Score!
Excellent/Good Credit

Highlights

  • You could turn $200 into $400 with Cashback Match™. We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO® Credit Scores for free on statements and online.
  • No annual fee.
  • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Citi® Double Cash Card – 18 month BT offer

 

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Your Rating:

4.4/5.0 from 1,058 Offer Ratings
Over the Past 60 Days!

Intro Balance Transfer APR

0% APR for 18 Months*

Rewards Rate

Earn 1% on Purchases & 1% on Payments*

Regular Purchase APR

13.24 - 23.24% (variable)

Annual Fees

$0*

Credit Needed

 
Excellent Credit

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

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Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online or call 888-343-4081
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro  APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*

The Amex EveryDay® Credit Card from American Express

 

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Your Rating:

3.7/5.0 from 247 Offer Ratings
Over the Past 60 Days!

Introductory APRs

0% for 12 Months

Bonus Rewards

Earn 10,000 Points after Qualifying Purchases*

Regular Purchase APR

13.24% to 23.24% (Variable)

Annual Fees

$0

Credit Needed

 
Excellent Credit

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

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Excellent

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.
  • See Rates & Fees

Chase Freedom Unlimited℠

 

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Your Rating:

3.9/5.0 from 514 Offer Ratings

Rewards Rate

Earn unlimited 1.5% cash back on all purchases*

Sign-up Bonus

Get $150 bonus cash after spending $500 in the first 3 months*

Cash Back Details

Redeem Cash Back for any amount, anytime*

Annual Fees

$0

Credit Needed

 
Excellent Credit

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

Get Your Free Score!
Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online
  • NEW! Unlimited 1.5% cash back on every purchase – it’s automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash – any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

Citi Simplicity® Card - No Late Fees Ever

 

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Thanks for rating!

Your Rating:

3.8/5.0 from 343 Offer Ratings
Over the Past 60 Days!

Intro Purchase APR

0% for 21 Months*

Intro BT APR

0% for 21 Months*

Regular Purchase APR

13.24% - 23.24% (variable)

Annual Fees

$0*

Credit Needed

 
Excellent Credit

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

Get Your Free Score!
Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online or call 877-886-4537
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER.
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”.
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.

Blue Cash Everyday® Card from American Express

 

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Thanks for rating!

Your Rating:

3.9/5.0 from 233 Offer Ratings
Over the Past 60 Days!

Sign-up Bonus

Earn $100 back after meeting spending requirements*

Intro APR

0% for 12 Months on Purchases and Balance Transfers*

Regular Purchase APR

13.24%-23.24% Variable*

Annual Fees

$0

Credit Needed

 
Excellent Credit

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

Get Your Free Score!
Excellent

Highlights

  • Click "APPLY NOW" to apply online
  • Earn $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive cash back in the form of statement credits.
  • Earn Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases, 2% at U.S. gas stations & select U.S. dept stores, 1% on other purchases. Terms and limitations apply.
  • Simple and straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.
  • See Rates & Fees

Capital One® VentureOne® Rewards Credit Card

 

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Your Rating:

4.4/5.0 from 450 Offer Ratings
Over the Past 60 Days!

Rewards Rate

1.25 miles per dollar*

Intro Purchase APR

0% on purchases for 12 months

Regular Purchase APR

12.24% - 22.24% (Variable)

Annual Fees

$0

Credit Needed

 
Excellent Credit

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

Get Your Free Score!
Excellent/Good

Highlights

  • Click "APPLY NOW" to apply online
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 12.24%-22.24% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles don’t expire and there’s no limit to how many you can earn

Wells Fargo Platinum Visa® Credit Card

 

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Your Rating:

3.8/5.0 from 17 Offer Ratings
Over the Past 60 Days!

Introductory APR

0% for 15 months on purchases and balance transfers*

Low Fees

Enjoy $0 Annual Fee

Regular Purchase APR

15.40% - 25.24% (Variable)

Annual Fees

$0

Credit Needed

 
Excellent Credit

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

Get Your Free Score!
Good/Excellent Credit

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 15 months on purchases and balance transfers
  • $0 Annual Fee
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map

Share your experiences, tips and tricks with us!

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Picture of Kirsten T Nusser

By: | Jun 27, 2016

The card APR seems high on all of these. There must be a low interest card out there without all the cash back, travel etc. Just an ordinary card with a 6% APR.

Picture of Mickey Cashen

By: | Jun 27, 2016

I don't know why you would recommend the AmEx Everyday Card with 2% cash-back for groceries when a similar minimum credit rating will get you the no-annual-fee AmEx Blue Cash Everyday Card which gives 3% cash-back on groceries. Both cards give 1% cash-back for everything else and "groceries" basically means standalone-supermarkets, not warehouse or discount stores.

Picture of Bill Skoczylas

By: | Jun 27, 2016

I had a card with flyer miles, I now have the citi double cash, its 3 times better than flyer miles, example spending $100,000 will get 2 people a round trip ticket with fees and your lilmited to selction because you are using miles. Spensing $100,000 will get you $2000 cash to spend on any airline, psiibly 3 round trips for 2 people.

Picture of Floyd Flowers

By: | Jun 27, 2016

I too, have found the Sapphire card to be the best I have. I used the Amex Platinum until I stopped flying as much so the Sapphire has been my go to card recently.

Picture of Andy Onderko

By: | Jun 26, 2016

If your old enough - a combination of one Chase Freedom and one Chase AARP card provides great rewards.

Picture of Debra Sanchez

By: | Jun 23, 2016

Already enjoy the benefits of the Chase Sapphire Preferred® Card. Looking for a second card that allows points to combine for max travel benefits. Credit score is 830 and although we rack up thousands a month on our card, we pay in full every month. We travel very often and want the benefit of using our total points from all cards to obtain discounts on travel. Any suggestions for a second card?

Picture of Deborah Slusher

By: | Jun 22, 2016

Are there any credit cards out there that offer a fixed APR, with a reasonable interest rate? My credit score is over 800.

1 Reply

By: CompareCards | Jun 22, 2016

Credit cards generally do not offer "fixed" APRs any longer because the credit card interest rates are tied to the interest rates set by the Federal Reserve. However, the CARD act of 2009 made it illegal for credit card companies to arbitrarily raise your interest rate for no reason and without prior notice. One credit card that has a very low interest rate is the Barclaycard Ring MasterCard. This card has no annual fee, no balance transfer fee, and a competitive APR of 8.25%.

Picture of Tom Kakluskas

By: | Jun 22, 2016

My scores are in the high 600's what's the easiest and best way to get them up over a 750

1 Reply

By: CompareCards | Jun 22, 2016

The two best things you can do to increase your credit score are to make sure that you're always paying your bills on time and try to keep your credit card balances as low as possible. It's important to remember that building credit takes time, so if you're doing these two things, you should see you credit score begin to rise slowly over time.

Picture of Bill Henderson

By: | Jun 21, 2016

I have about 15 credit cards, and want to downsize to maybe 5 cards that have the best value and highest credit line. So, will my credit score go up or down if I do this?

3 Replies

By: Michael Thurman | Jun 26, 2016

1st, decide which ones you want to keep , then take all the others out of your wallets and put them in safe keeping, Pay those Dormant accounts off, and they will eventually be closed by the Bank after no recent activity has been observed. Then pay the others as low as possible. Eventually your Dept to Income ratio will lower and your Scores will start climbing. Been there, Done that.

By: Nancy Barron | Jun 26, 2016

15 cards!!!! unless you are running a business and have an accountant taking care of your affairs there is no way the average person is going to be able to handle 15 cards. Try cutting down to 3 cards sure your credit score will take a nose dive for a while,but you should be able to manage your money a lot easier.

By: Floyd Flowers | Jun 27, 2016

Your' score will probably take a bit of a hit at first since your debt to credit ratio will be increased. (Overall credit limit will be reduced with fewer cards). But, in the long run you will be better off.

Picture of Mike Warrick

By: | Jun 20, 2016

Must Say that I am very satisfied with my Chase Freedom Visa Card that I have been hooked up to since 1993!!!!!!!!!!!

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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

0% Credit Cards & Interest Free 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 or interest free credit card may 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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