Low Interest Credit Cards

3.6 - 2,502 reviews for top rated card

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0% Credit Cards – Low Interest Credit Cards – Low APR
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3.6/5.0 from 2,502 Cardholder Reviews

 
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Regular Purchase APR

12.99%-22.99%* (Variable)

Rewards Rate

The card that earns you cash back twice on every purchase*

Intro Purchase APR

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

Sign Up Offer

Intro Purchase APR 0% APR for 15 Months
Intro Balance Transfer: 0% APR for 15 Months

Ongoing Information

Regular Purchase APR: 12.99%-22.99%* (Variable)
Annual Fee: $0*
Rewards Rate: The card that earns you cash back twice on every purchase*
Credit Needed:
 
Excellent Credit

Credit cards for excellent credit are intended for those with a FICO 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 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
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3.5/5.0 from 1,943 Cardholder Reviews

 
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Regular Purchase APR

12.99%-22.99% (Variable)*

Intro BT APR

0% for 18 Months*

Intro Purchase APR

0% for 18 Months*

Sign Up Offer

Intro Purchase APR 0% for 18 Months*
Intro Balance Transfer: 0% for 18 Months*

Ongoing Information

Regular Purchase APR: 12.99%-22.99% (Variable)*
Annual Fee: $0*
Credit Needed:
 
Excellent Credit

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

Get Your Free Score!
Excellent

Highlights

  • Click "APPLY NOW" to apply online or call 877-916-4537
  • 0% Intro APR on Balance Transfers and Purchases for 18 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.
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3.4/5.0 from 1,326 Cardholder Reviews

 
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Regular Purchase APR

12.99%, 17.99%, 22.99% (V)

Intro Purchase APR

0% for 15 Months*

Intro BT APR

0% for 15 Months*

Sign Up Offer

Intro Purchase APR 0% for 15 Months*
Intro Balance Transfer: 0% for 15 Months*

Ongoing Information

Regular Purchase APR: 12.99%, 17.99%, 22.99% (V)
Annual Fee: $0
Credit Needed:
 
Excellent Credit

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

Get Your Free Score!
Excellent

Highlights

  • Click "APPLY NOW" to apply online 
  • $0 introductory balance transfer fee for transfers made during the first 60 days. After that, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.
  • Pay less interest. Save on balances and new purchases.
  • 0% Introductory APR for 15 months on purchases and balance transfers. After the introductory period ends, a variable APR of 12.99%, 17.99%, or 22.99%.
  • $0 Annual Fee.
  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts.
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Your Rating:

3.3/5.0 from 1,452 Cardholder Reviews

 
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Regular Purchase APR

12.99% - 22.99% Variable* on purchases & balance transfers

Intro Purchase APR

0% for purchases for 12 billing cycles*

Intro BT APR

0% for qualifying balance transfers for 12 billing cycles*

Sign Up Offer

Intro Purchase APR 0% for purchases for 12 billing cycles*
Intro Balance Transfer: 0% for qualifying balance transfers for 12 billing cycles*

Ongoing Information

Regular Purchase APR: 12.99% - 22.99% Variable* on purchases & balance transfers
Annual Fee: $0
Credit Needed:
 
Excellent Credit

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

Get Your Free Score!
Excellent

Highlights

  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening 
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter
  • No annual fee
  • No changing categories and your rewards do not expire
  • Bank of America customers: Get a 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% variable APR
 
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3.5/5.0 from 1,592 Cardholder Reviews

 
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Regular Purchase APR

11.99%-21.99%* (Variable)

Intro Purchase APR

0% for 18 Months*

Intro BT APR

0% for 18 Months*

Sign Up Offer

Intro Purchase APR 0% for 18 Months*
Intro Balance Transfer: 0% for 18 Months*

Ongoing Information

Regular Purchase APR: 11.99%-21.99%* (Variable)
Annual Fee: $0*
Credit Needed:
 
Excellent Credit

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

Get Your Free Score!
Excellent

Highlights

  • Click "APPLY NOW" to apply online or call 877-836-4537
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 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*
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Your Rating:

3.4/5.0 from 1,371 Cardholder Reviews

 
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Regular Purchase APR

10.99% - 22.99%* (Variable)

Intro Purchase APR

0%* for 6 Months

Intro BT APR

0% for 18 Months

Sign Up Offer

Intro Purchase APR 0%* for 6 Months
Intro Balance Transfer: 0% for 18 Months

Ongoing Information

Regular Purchase APR: 10.99% - 22.99%* (Variable)
Annual Fee: $0
Credit Needed:
 
Excellent Credit

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

Get Your Free Score!
Excellent

Highlights

  • 0% intro APR on balance transfers for 18 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power*.
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up for 5%*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements*.
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • *+See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
 
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Your Rating:

3.4/5.0 from 1,652 Cardholder Reviews

 
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Regular Purchase APR

13.99%-22.99% Variable*

Reward

$200 Bonus*

Intro Purchase APR

0% for 15 months on purchases and BTs*

Sign Up Offer

Intro Purchase APR 0% for 15 months on purchases and BTs*
Intro Balance Transfer: 0% for 15 months on purchases and BTs*

Ongoing Information

Regular Purchase APR: 13.99%-22.99% Variable*
Annual Fee: $0
Credit Needed:
 
Excellent Credit

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

Get Your Free Score!
Excellent/Good

Highlights

  • For a limited time, earn a $200 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%
  • 5% Cash Back on up to $1,500 in combined purchases between October 1 – December 31, 2014 at Amazon.com, Zappos.com and select department stores
  • 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!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire
 
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Your Rating:

3.3/5.0 from 857 Cardholder Reviews

 
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Regular Purchase APR

10.9%-18.9% Variable

Intro Purchase APR

0% until March 2016

Intro BT APR

0% until March 2016

Sign Up Offer

Intro Purchase APR 0% until March 2016
Intro Balance Transfer: 0% until March 2016

Ongoing Information

Regular Purchase APR: 10.9%-18.9% Variable
Annual Fee: $0
Credit Needed:
 
Excellent Credit

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

Get Your Free Score!
Excellent/Good

Highlights

  • Get 0% intro APR on all purchases until March 2016; 10.9%-18.9% variable APR after that
  • Balance transfers also have a 0% intro APR until March 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • Pick the monthly due date that works best for you
  • 100% free Capital One® Credit Tracker—see your monthly credit score anytime and get automatic alerts
 
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Your Rating:

3.2/5.0 from 1,172 Cardholder Reviews

 
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Regular Purchase APR

10.99% - 22.99%* (Variable)

Intro Purchase APR

0% for 14 Months

Intro BT APR

0% for 14 Months

Sign Up Offer

Intro Purchase APR 0% for 14 Months
Intro Balance Transfer: 0% for 14 Months

Ongoing Information

Regular Purchase APR: 10.99% - 22.99%* (Variable)
Annual Fee: $0
Credit Needed:
 
Excellent Credit

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

Get Your Free Score!
Excellent

Highlights

  • 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power*.
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up for 5%*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements*.
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S.- based customer service-anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
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Your Rating:

3.5/5.0 from 1,251 Cardholder Reviews

 
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Regular Purchase APR

11.9%-19.9% (Variable)

Intro Purchase APR

0% until December 2015*

Rewards Rate

Earn 1.25 miles per $1 on all Purchases*

Sign Up Offer

Intro Purchase APR 0% on Purchases until December 2015*
Intro Balance Transfer: N/A

Ongoing Information

Regular Purchase APR: 11.9%-19.9% (Variable)
Annual Fee: $0
Rewards Rate: Earn 1.25 miles per $1 on all Purchases*
Credit Needed:
 
Excellent Credit

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

Get Your Free Score!
Excellent/Good

Highlights

  • 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 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 December 2015; 11.9%-19.9% variable APR after that
  • Travel when you want—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
 
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Your Rating:

3.3/5.0 from 664 Cardholder Reviews

 
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Regular Purchase APR

12.9%-22.9% (Variable)

Intro Purchase APR

0% APR on purchases until September 2015

Rewards Rate

Earn 1.5% Cash Back on all Purchases*

Sign Up Offer

Intro Purchase APR 0% on purchases until September 2015
Intro Balance Transfer: 0% until September 2015

Ongoing Information

Regular Purchase APR: 12.9%-22.9% (Variable)
Annual Fee: $0
Rewards Rate: Earn 1.5% Cash Back on all Purchases*
Credit Needed:
 
Excellent Credit

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

Get Your Free Score!
Excellent/Good

Highlights

  • One-time $100 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 and no sign ups needed to earn cash rewards
  • Cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases until September 2015; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until September 2015, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Capital One® Credit Tracker—the free way to easily monitor your monthly credit score anytime, anywhere
 
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Community Conversation

Thank you. Your comment has been submitted and is pending editorial review.
Picture of Cathy Held
 

Don't have one .Don't need one!!!

4 Comments

good for u. some people need a helping hand once in a while then are back on their feet again....

Hhmm, a person "could" wonder if the reason you don't have one is because you can't get one...It's just a thought.

good one james.....i love it.

Thats only because you keep getting denied.

Picture of Mario Perez
 

want 1 need 1

Picture of Carrie Estrada Cipollini
 

looking fro the best credit card for my needs. I have o cards at this time but feel like I should have at least one for real emergencies. my fico is at 722-750 and am really wanting a card which will get me the highest limit like about 3 - 5k. or its just not worth dinging my credit for a 500 limit. how would I be able to speak to an actual rep that would be able to ans my limit questions

6 Comments

Don"t do it , my fico was 718 and I got sick and lost my job, had to use the card and it ruined my credit. Don't , Please Don't, God Bless You. Jamie

there is no better card than Discover, cash back rewards, rewards can make your payments, special deals at certain times of the year, gas rewards add up, retail stores, buy gift cards with participating stores and the stores will give you additional bonus. Buy $20 gift card from discover for a store and the store give you extra $5 or order more get more. No over the limit fee. as you know sometimes your busy schedule can cause you a over sight and go over, no charge, fraud protection, you can also order from other stores, connect with discover and than get deals from both. Try discover and you can't go wrong with them. beats capital one and others any day.

no....it better to have one in case of emergencies. anyone who had good credit and now has bad credit is because they never used it right or never paid. as long as you use it and pay for it, your credit will always go up over time. the best one that i find is Chase freedom and Discover. i have both and they each started me out with $4000.00 line of credit. personally, that is more than i need. good luck Carrie.

The more credit cards you have gives you more flexability in using them With your FICO you should be able to get much higher credit limits than 3-5k The most important point to be considered is whether or not you can pay off any balances each month to avoid the high interest rates once the zero interest period expires Credit cards and balance tranfers at zero interest are great vehicles if you can pay them off without incurring high interest rates after the promotion rates end

Bank America has a credit card that pays you $25 every 3 months if you pay more than the "minimum" due each month There is an additional reward if you have an account with the bank

@ Joseph Miller, can you tell me if the $4000 line of credit you received was due to " Excellent Credit 700 and above ? that would help me a lot since I was thinking the same thing that Carrie Estrada Cipollini stated. my Fico is 716. and I hate to apply unless I can get between 3k-5k. it would not be worth it to have an inquiry on my credit for $500 limit..

Picture of Charssie Muse
 

I can not activate my card on line.

1 Comment

would like to reestablish my ctedit

Picture of Mary Kinder
 

I DON'T SEE THE BARCLAYCARD MASTER CARD ON YOUR LIST I HAVE USED THAT CARD FOR SEVERAL YEARS, THE BEST CARD FOR INTEREST 8.99% INTEREST RATE. .

Picture of Lewis Byrd Jr.
 

I NEED ONE I HAVE ONE

Picture of Ginny Klosterman
 

which card has the best SKY MILES????????????????????

1 Comment

The ones the Pilots or cabin attendants carry they probably fly the most........ just saying

Picture of Aaron Schmitz
 

If you can't get one, you don't need one. lol

Picture of Lor Herrera
 

would like one, no one will give me one!!!!

Picture of Jose Gamas
 

IF YOUR CREDIT IS NO GOOD , YOU CAN GET ONE WITH DIFERENT CONDITIONS WITH CAPITAL ONE

1 Comment

Yep Cap 1, is the only Group, helping poor and average credit scores, to a great card. Low CL and High Interest, but they help yo on your way to better your credit score. Also great Checking and Savings, under the Cap 1-360. Both Interest bearing accounts, no maintenance fees, and a gracious overdraft amount, for only 11.75 % APR attached to your 360-checking. Now, where in the world can anyone compete with them?

Picture of John Bryan
 

the only thing about discover is you have to have 50.00 or more rewards to use them

Picture of Irma Hernandez
 

good for emergences, and for special occasions

Picture of John Delaney
 

Hmmm..let me see...Don't have one, don't need one. I see a person as having more money than they can spend from their rocking chair. I am a very active person, hence I do not wish to carry gobs of cash. Meeting someone turns out to meeting several people..I buy lunch or dinner..I use my credit card..I get to pay it at the end of the month and have proof of purchase. Some biddies need to think..LOL

Picture of Alan Marcus
 

Checking accts Santander offers you $10 reward every month if u pay 2 bills online You can get an additional $10 every month if you authorize a Direct Deposit exceeding $1500/mo (?) So that's $240 a year with no service fee

Picture of Jason Lowell
 

What FICO score is considered excellent? Mine is 815.

1 Comment

Boy NO ONE CREDIT SCORE THAT HIGH.

Picture of Shelly Jean Whaley
 

dont have one really dont need it!

Picture of Pamela S. Colliver
 

Please do no engage inn a 123 rewards visa. It is an endeavor of Kroger Company and US Bank. US Bank will really attempt to screw you up. Fortunately it is not offered here!

1 Comment

I have one. I actually get $10 $ $20 gift certificates to shop at Kroger

Picture of Irma Hernandez
 

I want one for emergences and convenence

Picture of Tom Zokaie
 

I have to say the people at Cap1 have been awesome to me. The extended me credit even though I had defaulted on them because of past financial troubles. They approved me for a card that offered cash back to boot. I mean the interest rate on it was high, but since I PIF'd it did not matter. I cant say enough good things about Cap1. Now that my credit is good, I still carry their cards and use it despite their higher interest rate compared to my other cards. Even if your credit is so bad you cant get approved for a card out right, they offer partially secured cards that you can later graduate to a great card. If you need a card, I would look at them first. Once you have a couple of years history with them, then Barclay card would be the next step. Please do you self a favor and stay away from "CREDIT ONE", which sounds and looks like "Capital One" at all cost. They charge you hefty fees upfront that make them a horrible choice. Good luck. P.S not having a credit card put you at a disadvantage. Case and point, you pay more for gas and groceries because most rewards cards offer 2 to 6 % cash back rewards to credit card users, which means that people who use Debit cards to buy gas and groceries end up with a reverse penalty for not using credit cards. The only caveat is that paying with credit cards, you have to set aside the cash to pay the card, as if you used your ATM for it.

Picture of Tudy Flansburg
 

my score is 850 .. I dont have a card but i want one. Does the interest rate compare to your score? Like id love to have an interest of 10 percent.

1 Comment

If your credit score is 850 your interest rate should be much lower than that. My credit score is 794 and I don't have a CC with interest rates in double digits.

Picture of Onetta Morgan
 

I,M STILL BEING REFUSED PLEASE FIND ME JUST A SMALL CARD FOR $500 THANK YOU

1 Comment

what is your credit score?

Picture of Earline Buchanan
 

have not always had good credit, but good now.

Picture of Crystal Caston
 

I applied for the Capitol one card.....they helped me.... low amount... but i appreciate it and plan on rebuilding my credit....Apply for that one..<>

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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.

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