Low Interest Credit Cards

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Chase Slate®

 

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Your Rating:

3.8/5.0 from 670 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.

Get Your Free Score!
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 379 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.

Get Your Free Score!
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
  • Zero liability fraud protection, so you're not responsible for any fraudulent charges made on your account
  • If you apply for a card over the phone and are approved, our representatives can transfer your balance over the phone

Citi® Diamond Preferred® Card

 

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Your Rating:

4.3/5.0 from 1,046 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

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™ with No Annual Fee

 

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Your Rating:

3.8/5.0 from 80 Offer Ratings
Over the Past 60 Days!

Cashback Match™

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

Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate

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

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.
  • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

The Amex EveryDay® Credit Card from American Express

 

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Your Rating:

3.7/5.0 from 229 Offer Ratings
Over the Past 60 Days!

Introductory APRs

0% for 15 Months

Bonus Rewards

Earn 10,000 Points after Qualifying Purchases*

Regular Purchase APR

13.24% to 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

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and get 20% extra 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 15 months, then a variable rate, currently 13.24% to 22.24%, based on your creditworthiness and other factors.
  • Terms and limitations apply.
  • See Rates & Fees

Discover it® Miles

 

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Your Rating:

3.7/5.0 from 199 Offer Ratings
Over the Past 60 Days!

Intro Purchase APR

0% for 12 Months*

Rewards Rate

1.5 Miles per $1 Spent*

Regular Purchase APR

11.24% - 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

  • Unlimited 1.5x Miles on every dollar you spend on purchases & no annual fee.
  • We'll match all the Miles you've earned at the end of your first year. So if you've earned 20,000 Miles, we'll match it - so you get 40,000 Miles - automatically. Only for new cardmembers.
  • No blackout dates. Redeem Miles in any amount toward travel purchases on your statement.
  • Get free overnight shipping at your request to replace a card at any U.S. street address.
  • Automatic credit of up to $30 a year for your in-flight Wi-Fi fees.
  • Freeze It℠ on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds by mobile app & online.
  • Track recent FICO® Credit Scores for free on monthly statements & online. Plus, get 100% U.S. based customer service.
  • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.

Capital One® VentureOne® Rewards Credit Card

 

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Your Rating:

4.3/5.0 from 658 Offer Ratings
Over the Past 60 Days!

Rewards Rate

1.25 miles per dollar*

Intro Purchase APR

0% intro on purchases until May 2017

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 until May 2017; 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

Chase Freedom Unlimited℠

 

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Your Rating:

4.0/5.0 from 394 Offer Ratings

Rewards Rate

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

Capital One® Venture® Rewards Credit Card

 

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Thanks for rating!

Your Rating:

3.8/5.0 from 656 Offer Ratings
Over the Past 60 Days!

Bonus Miles

40,000 miles with minimum spending requirement*

Rewards Rate

2 miles per dollar*

Regular Purchase APR

13.24% - 23.24% (Variable)

Annual Fees

$0 intro for first year; $59 after that

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 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don't expire and there’s no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $59 after that

Citi® Double Cash Card

 

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Your Rating:

4.5/5.0 from 837 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.

Get Your Free Score!
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*

Blue Cash Everyday® Card from American Express

 

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Your Rating:

3.8/5.0 from 358 Offer Ratings
Over the Past 60 Days!

Special Offer

Get up to $300 back*

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
  • Special Offer - Get up to $300 back. Offer Ends 6/15/2016.
  • Get Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases (then 1%); 2% U.S. gas stations & select U.S. dept. stores; 1% other purchases. Terms and limitations apply.
  • With the Blue Cash Everyday® Card, you can get 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. You can only get cash back 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 restrictions apply.
  • See Rates & Fees

Capital One® Quicksilver® Cash Rewards Credit Card

 

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Your Rating:

4.0/5.0 from 328 Offer Ratings
Over the Past 60 Days!

Rewards Rate

Unlimited 1.5% Cash Back*

Bonus Cash

$100 cash bonus after spending $500 in the first 3 months*

Cash Back Details

No minimums for redeeming and cash back never expires*

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
  • 0% intro APR on purchases until February 2017; 13.24%-23.24% variable APR after that
  • Balance transfers also have a 0% intro APR until February 2017; 13.24%-23.24% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

Citi Simplicity® Card - No Late Fees Ever

 

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Thanks for rating!

Your Rating:

3.8/5.0 from 341 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

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.

Share your experiences, tips and tricks with us!

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Picture of Nancy M Smith

By: | May 3, 2016

looking to transfer balances to lower percentage.

Picture of Molly Johnson

By: | May 3, 2016

How can I find out what my credit score is?

1 Reply

By: CompareCards | May 3, 2016

Hi Molly,

You can check your credit score for free by signing up for our Credit Concierge service!

Picture of Barbara Duke

By: | May 2, 2016

How much can you transfer to another card? Is it to your credit limit? My score is right at 700. Would I be able to get the 0% rate for 18-20 months. I am working on paying everything off so hard. I have set up all my payments as automatic due to health issues. The only reason I might have one paid late any time is because of medications I am on, and I forget.

Picture of Maria Teresa De Alba

By: | May 2, 2016

I need to transfer balance from 2 credit cards. No annual fee and no interest for at least 18 months. My credit score is excellent. Which one should I go for?

1 Reply

By: CompareCards | May 2, 2016

Hi Maria,

The Citi Simplicity would be a great fit for what you're looking for. This card comes with 0% APR for 21 months on purchases and balance transfers. There is also no annual fee, and with an excellent credit score you shouldn't have any problem getting approved.

Picture of Cindy Speers

By: | May 1, 2016

What is the best credit card to earn miles with someone who has a perfect credit score?

1 Reply

By: CompareCards | May 2, 2016

Hi Cindy,

If you have a perfect credit score then you should be able to get approved for any credit card you want. To pick the best card for you, you should think about what airline miles you would like to earn. If you prefer to fly on one particular airline, then you should go with that airline's specific co-branded credit card. Examples of these would be the Citi AAdvantage Platinum Select or the United MilagePlus Explorer Card. If you want to earn more flexible airline miles that can be redeemed on any airline, then check out the Capital One Venture!

Picture of Linda Vernon

By: | Apr 30, 2016

I am wanting to do a balance transfer; however I do not like entering my Social Security online, how can I avoid this?

1 Reply

By: CompareCards | May 2, 2016

Hi Linda,

There is no way to apply for a balance transfer credit card without providing your Social Security Number. However, online bank security has become very advances in recent years, so you can rest assured that your information is save and secure when applying for a credit card online.

Picture of Patricia Swayne

By: | Apr 28, 2016

To establish credit. Go to the bank get the smallest loan possible put it in to a checking or savings account and have the payment automatic withdrawn from a account. But do not spend the money. This shows you can get a loan pay it back with no problems. You can it off sooner according to the contract.

1 Reply

By: Mary Braid | May 1, 2016

Did this years ago when it was hard for a single mother to get a credit card. Worked out wonderfully. Have advised to young people many times......

Picture of Lyn Kornicki

By: | Apr 28, 2016

I keep looking for a balance transfer card and my credit is fair. I did declare bankruptcy in 2008 which was discharged, but none of the credit cards that were referred to me by credit karma accepted my application. Should I wait until 2008 (when the bankruptcy is supposed to drop off my credit report) and just give up?

1 Reply

By: CompareCards | Apr 28, 2016

Hi Lyn,

If you are repeatadly being denied for credit cards then you probably need to start with a secured credit card. Secured cards work just like normal credit cards but you will have to put down a refundable security deposit to get approved. They are a great tool for building credit. We recommend the Capital One Secured MasterCard as it comes with no annual fee and a free credit tracking service.

Picture of Linda Rubenok

By: | Apr 24, 2016

am looking for a card that does not charge separate fees or transaction fees for purchases ouside USA

1 Reply

By: CompareCards | Apr 25, 2016

Hi Linda,

Check out our page for credit cards with no foreign transaction fees to find the best card for you!

Picture of Patsy Tucker

By: | Apr 22, 2016

Could someone help me with $500.00 limit please I just need a start paying a bill off then make one payment,

Page:

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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