Low Interest Credit Cards

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Chase Slate®

 

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Your Rating:

3.8/5.0 from 1,329 Cardholder Reviews Over the Past 60 Days!

Intro APR

0% for 15 Months on Balance Transfers & Purchases*

Rates & Fees

No Annual Fee & No Balance Transfer Fee*

Regular Purchase APR

12.99%, 17.99%, 22.99% 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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Good

Highlights

  • Click "APPLY NOW" to apply online or call 855-403-3732
  • Chase Slate named "Best Credit Card for Balance Transfers" two years in a row by Money Magazine
  • $0 Introductory balance transfer fee for transfers made during the first 60 days
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • NEW Free Monthly FICO® Score and Credit Dashboard
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

Citi® Diamond Preferred® Card

 

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Your Rating:

4.2/5.0 from 1,554 Cardholder Reviews Over the Past 60 Days!

Intro Purchase APR

0% for 21 Months*

Intro BT APR

0% for 21 Months*

Regular Purchase APR

11.99%-21.99%* (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 or call 877-836-4537
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi Easy Deals(SM) Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • 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*

Chase Freedom®

 

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Your Rating:

3.8/5.0 from 1,054 Cardholder Reviews Over the Past 60 Days!

Reward

$100 Bonus*

Intro Purchase APR

0% for 15 months on purchases and BTs*

Regular Purchase APR

13.99%-22.99% 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

Highlights

  • Click "APPLY NOW" to apply online
  • Named a Best Card for Cash Back by MONEY® Magazine
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • Unlimited 1% Cash Back on every purchase
  • 5% Total Cash Back on up to $1,500 in combined purchases in bonus categories each quarter
  • You’ll enjoy new 5% categories every 3 months like Gas stations, Restaurants and Amazon.com. It’s free and easy to activate your bonus each quarter!
  • No annual fee and rewards never expire as long as your account is open

Capital One® VentureOne® Rewards Credit Card

 

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Your Rating:

4.3/5.0 from 1,108 Cardholder Reviews Over the Past 60 Days!

Intro Purchase APR

0% until August 2016*

Rewards Rate

Earn 1.25 miles per $1 on all Purchases*

Regular Purchase APR

11.9% - 21.9% (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
  • 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 until August 2016; 11.9%-21.9% 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
  • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts

BankAmericard® Credit Card

 

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Your Rating:

3.8/5.0 from 782 Cardholder Reviews Over the Past 60 Days!

Intro BT APR

0% for qualifying balance transfers for 18 billing cycles*

Balance Transfer Fee

3% fee or $10 applies to each transfer*

Regular APR

10.99% - 20.99% 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 800-483-4499
  • New Offer! 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then, 10.99% - 20.99% Variable APR. 3% fee (min $10) applies to balance transfers.
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Zero liability fraud protection, so you're not responsible for any fraudulent charges made on your account
  • Now with chip technology for enhanced security and protection at chip-enabled terminals  

Citi Simplicity® Card

 

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Your Rating:

3.7/5.0 from 1,382 Cardholder Reviews Over the Past 60 Days!

Intro Purchase APR

0% for 21 Months*

Intro BT APR

0% for 21 Months*

Regular Purchase APR

12.99%-22.99%* (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 or call 877-886-4537
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.

Citi® Double Cash

 

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Your Rating:

4.4/5.0 from 1,455 Cardholder Reviews Over the Past 60 Days!

Intro Purchase APR

0% APR for 15 Months on Purchases & Balance Transfers*

Rewards Rate

Earn 1% on Purchases & 1% on Payments*

Regular Purchase APR

12.99%-22.99%* (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 or call 888-343-4081
  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, 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 only card that earns you cash back TWICE on every purchase with:  
  • 1% cash back when you buy
  • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
  • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
  • No Annual Fee

Discover it® - New! Double Cash Back your first year

 

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Your Rating:

3.7/5.0 from 477 Cardholder Reviews Over the Past 60 Days!

Intro APR

0% for 12 Months*

Rewards Rate

Earn 5% Cash Back*

Exclusive Bonus Offer

Double cash back at end of 1st year*

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
  • New! Double all the cash back you've earned at the end of your first year automatically - only for new cardmembers*
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more - up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • 0% intro APR on purchases & balance transfers for 12 months - then a variable purchase APR applies, currently 10.99% – 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service. 
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.* 
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.

BankAmericard Travel Rewards® Credit Card

 

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Thanks for rating!

Your Rating:

4.3/5.0 from 738 Cardholder Reviews Over the Past 60 Days!

Intro Purchase APR

0% for purchases for 12 billing cycles

Rewards Rate

Earn 1.5 points per $1

Regular Purchase APR

14.99% - 22.99% 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 800-775-8735
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • NEW OFFER! 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit towards travel purchases
  • Use your card to book your trip how and where you want - no blackout dates and restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 14.99% - 22.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards.  

Capital One® Quicksilver® Cash Rewards Credit Card

 

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Your Rating:

3.8/5.0 from 640 Cardholder Reviews Over the Past 60 Days!

Intro Purchase APR

0% APR until May 2016

Rewards Rate

Earn 1.5% Cash Back on all Purchases*

Regular Purchase APR

12.9% - 22.9% (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
  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • Get a 20% Statement Credit on Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until May 2016; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until May 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Capital One® Credit Tracker - a free way to easily monitor your monthly credit score anytime, anywhere

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Picture of Sandy Fey Hoke

By: | Aug 30, 2015

Thats ok, I have excellent credit, took me many years, but I did it. Yay!!! I can now buy a home, and quit paying someone elses mortgage. It's a great feeling. Everyone can do this, it just takes time

Picture of Denise Lofgren

By: | Aug 24, 2015

These cards say "for customers with excellent credit". Not for those of us that are trying to rebuild our credit after life changes

1 Comment

By: CompareCards | Aug 24, 2015

Hi Denise,

There are a number of credit cards available for people who don't quite have excellent credit. In fact we have specific pages that list the best credit cards for people with good credit, fair credit or bad credit. Be sure to check them out!

Picture of Robin Zecher

By: | Aug 24, 2015

I usually use british airways or virgin air to fly to London what would be the best creditcard to earn miles and lowest interest rates

1 Comment

By: CompareCards | Aug 24, 2015

Hi Robin,

Typically, travel rewards credit cards do not come with low interest rates. That's because if you're carrying a balance on your credit card, the interest you are paying will always negate the rewards that you are earning. Basically, if you carry a balance, you'll always be better off with a low interest card with no rewards, and if you pay your balance off in full each month, you won't have to worry about whether your rewards card has a high interest rate.

That said, the Chase Sapphire Preferred would be an excellent credit card for the type of travel you are doing because you can transfer your points from this credit card directly to British Airways and Virgin Atlantic Flying Club!

Picture of Tony Dixon

By: | Aug 23, 2015

tonydixon 8/22/15 i am look for a low interest ,with rate.opercent for two yearlyfee .i want to

1 Comment

By: CompareCards | Aug 24, 2015

Hi Tony,

There aren't currently any credit cards that offer 0% APR for 2 years, but the Citi Simplicity and the Citi Diamond Preferred offer 0% APR for 21 months on both purchases and balance transfers, and both cards come with no annual fee.

Picture of Lorenzo Ramirez

By: | Aug 23, 2015

What is the Fee of the Citi Simplicity and Diamond preferred cards for 21 months.?

1 Comment

By: CompareCards | Aug 24, 2015

The Citi Simplicity and the Citi Diamond Preferred both have no annual fee and a balance transfer fee of 3%.

Picture of Martin Michaelis

By: | Aug 22, 2015

no fee balance transfer fee ???

1 Comment

By: CompareCards | Aug 24, 2015

Hi Martin,

The Chase Slate is currently the only credit card that has no balance transfer fee, no annual fee, and an introductory 0% APR for 15 months on purchases and balance transfers.

Picture of Sherry Hull

By: | Aug 21, 2015

I need no interest, low payment, bad credit type cards

1 Comment

By: CompareCards | Aug 24, 2015

Hi Sherry,

If you have bad credit, you're options will be very limited as far as credit cards that you can get approved for. Typically, credit cards for bad credit come with high interest rates because the applicants are considered high risk.

One option to consider is the Credit One Bank Credit Card. The APR is 17.9%-23.9%, but if you continually make your payments on time, it will help you build your credit score so you can get approved for a lower interest credit card down the road.

Picture of Jacque Clay

By: | Aug 21, 2015

I am look for a low interest ,with field rate. O percent for two years no yearly fee. I want to transfer so I can get it payed of so I can use it for next summer.

1 Comment

By: CompareCards | Aug 21, 2015

Hi Jacque,

The low interest credit cards that offer the longest intro APR are the Citi Simplicity and the Citi Diamond Preferred which both offer 21 months with 0% APR. Fortunately, neither of these cards come with an annual fee and the 21 month promotion applies to both new purchases and balance transfers.

Picture of Edelyn Mae Sardua Panaligan

By: | Aug 18, 2015

I dont have any credit score yet nor do I own a credit card. What credit card should I choose to start with? I have a BofA checking account.

1 Comment

By: CompareCards | Aug 19, 2015

Hi Edelyn,

If you have no credit, you'll probably need to start with a secured credit card. A secured card works just like a normal credit card, but you have to put down a refundable security deposit to get approved. The Capital One Secured MasterCard is an excellent option to start with. Once you've used your secured card responsibly for about a year, you'll be able to get approved for a standard, unsecured credit card.

Picture of Wanda Cain

By: | Aug 18, 2015

I am working to establish my credit. What's the range for a really good credit score, my current score is, 717

1 Comment

By: CompareCards | Aug 18, 2015

Hi Wanda,

With a credit score of 717, your credit rating is considered "good," but not quite excellent. Typically, good credit is anything between 680-740, and an excellent score would be everything over 740. Nonetheless, you should be able to get approved for almost any credit cards, with the exception of a select few premium rewards cards.

If your goal to to build credit, make sure you're paying all your bills on time and try to carry as little debt as possible, because those two factors make up 65% of your credit score.

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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.

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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.