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Low Interest Credit Cards

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0% Credit Cards – Low Interest Credit Cards – Low APR
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3.7/5.0 from 1,681 Cardholder Reviews Over the Past 60 Days!

 
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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*

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% Variable
Annual Fee: $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
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3.7/5.0 from 1,477 Cardholder Reviews Over the Past 60 Days!

 
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Intro Purchase APR

0% for purchases for 15 billing cycles

Intro BT APR

0% for qualifying balance transfers for 15 billing cycles

Regular Purchase APR

10.99% - 20.99% Variable on Purchases & Balance Transfers

Sign Up Offer
Intro Purchase APR 0% for purchases for 15 billing cycles
Intro Balance Transfer: 0% for qualifying balance transfers for 15 billing cycles
Ongoing Information
Regular Purchase APR: 10.99% - 20.99% Variable on Purchases & Balance Transfers
Annual Fee: $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 15 billing cycles for purchases and for any 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  
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3.7/5.0 from 2,006 Cardholder Reviews Over the Past 60 Days!

 
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Reward

$100 Bonus*

Intro Purchase APR

0% for 15 months on purchases and BTs*

Regular Purchase APR

13.99%-22.99% Variable*

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 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
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4.2/5.0 from 1,756 Cardholder Reviews Over the Past 60 Days!

 
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Intro Purchase APR

0% for 21 Months*

Intro BT APR

0% for 21 Months*

Regular Purchase APR

11.99%-21.99%* (Variable)

Sign Up Offer
Intro Purchase APR 0% for 21 Months*
Intro Balance Transfer: 0% for 21 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 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 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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4.3/5.0 from 2,332 Cardholder Reviews Over the Past 60 Days!

 
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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)

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*
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!
Average/Fair/Good
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
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4.2/5.0 from 1,704 Cardholder Reviews Over the Past 60 Days!

 
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Intro Purchase APR

0% until July 2016*

Rewards Rate

Earn 1.25 miles per $1 on all Purchases*

Regular Purchase APR

11.9% - 21.9% (Variable)

Sign Up Offer
Intro Purchase APR 0% intro on purchases until July 2016
Intro Balance Transfer: N/A
Ongoing Information
Regular Purchase APR: 11.9% - 21.9% (Variable)
Annual Fee: $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 July 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
More Card Details

 

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3.7/5.0 from 1,509 Cardholder Reviews Over the Past 60 Days!

 
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Bonus Miles

40,000 miles with minimum spending requirement*

Rewards Rate

2 miles per dollar*

Regular Purchase APR

12.9% - 22.9% (Variable)

Sign Up Offer
Intro Purchase APR N/A
Intro Balance Transfer: N/A
Ongoing Information
Regular Purchase APR: 12.9% - 22.9% (Variable)
Annual Fee: $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
  • No annual fee for the first year; $59 after that
  • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts
More Card Details

 

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Your Rating:

4.3/5.0 from 1,550 Cardholder Reviews Over the Past 60 Days!

 
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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 on purchases & balance transfers

Sign Up Offer
Intro Purchase APR 0% for purchases for 12 billing cycles
Intro Balance Transfer: N/A
Ongoing Information
Regular Purchase APR: 14.99% - 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 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
  • 10,000 online bonus points if you make at least $500 in purchases in the first 90 days - that can be a $100 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.  
More Card Details

 

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Your Rating:

3.7/5.0 from 2,151 Cardholder Reviews Over the Past 60 Days!

 
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Intro Purchase APR

0% for 21 Months*

Intro BT APR

0% for 21 Months*

Regular Purchase APR

12.99%-22.99%* (Variable)

Sign Up Offer
Intro Purchase APR 0% for 21 Months*
Intro Balance Transfer: 0% for 21 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 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.
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Your Rating:

4.0/5.0 from 25 Cardholder Reviews Over the Past 60 Days!

 
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Intro APR

0% for 12 Months*

Rewards Rate

Earn 5% Cash Back*

Exclusive Bonus Offer

Double cash back at end of 1st year*

Sign Up Offer
Intro Purchase APR 0% for 12 Months
Intro Balance Transfer: 0% for 12 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 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.*
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.* Plus get 100% U.S.-based service.
  • 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.
  • *See rates, rewards, FICO® Credit Score terms & other info by clicking "Apply."
More Card Details

 

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Your Rating:

3.8/5.0 from 1,481 Cardholder Reviews Over the Past 60 Days!

 
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Intro Purchase APR

0% APR on purchases until April 2016

Rewards Rate

Earn 1.5% Cash Back on all Purchases*

Regular Purchase APR

12.9% - 22.9% (Variable)

Sign Up Offer
Intro Purchase APR 0% intro on purchases until April 2016
Intro Balance Transfer: 0% intro on balance transfers until April 2016
Ongoing Information
Regular Purchase APR: 12.9% - 22.9% (Variable)
Annual Fee: $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 April 2016; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until April 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
More Card Details

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Picture of Jenny Willoughby
 

do you have cards that are below the 10.9% as the regular APR?

1 Comment

Hi Jenny,

The Barclaycard Ring MasterCard has an interest rate of 8% for both purchases and balance transfers. Furthermore, there is no annual fee and no balance transfer fee!

Picture of Betty Martin
 

HI MY NAME IS BILLY I HAVE NO CREDIT BUT I WANTA CREDIT CARD CAN U HELP

Picture of Randy Norris
 

Hello, I am currently in the process of TRYING to repair a lifetime (thusfar) of mistakes and bad decisions. MY credit is awful and Ive tried most all but I was wondering if ANYONE knew of ANY UNSECURED CREDIT COMPANY THAT IS LIKELY TO GIVE SOMEONE WITH BAD CREDIT A SHOT? And if its popular or even somewhat popular ive most likely tried, applied, and have been denied....so Im hoping someone possibly has any viable suggestions...thanks

2 Comments

Hi Randy,

There are a handful of credit cards available for people with poor credit. One option to consider if you haven't already applied for it is the Credit One Bank Credit Card. This is one of the only unsecured credit cards that will approve people with very poor credit.

However, a secured credit card might be a better option for you. Although you do have to put down a security deposit, you will get that money back if you use the card responsibly. The Capital One Secured MasterCard is an excellent option because it has no annual fee. Most unsecured credit cards for bad credit will come with steep annual fee.

contact capitol one credit card, they have a plan for people with bad credit. you put money on your card along with the limit that they give you, you can increase the amount with by adding money,, they will report to the credit payments for you,

Picture of Betty Huntington
 

Hi, I'm looking for a balance transfer for around 12/14K to pay off all my cards... I always have my bills on auto pay. My credit score is "only" the upper "good" because of the high ratio....I want to pay everything off quickly, then have their low interest rate.... Any ideas who might take me on? Multi inquires also lower the scores! Need advice.....

1 Comment

Hi Betty,

A few of the best options for balance transfers are the Chase Slate and the Citi Simplicity. However, regardless of which card you apply for, there is no guarantee that you will get approved for a line of credit up to $14,000. My advice would be to apply and hope for the best. Even if you are not approved for the full amount you were looking for, transferring even a portion of your balance to one of the low interest credit cards will save you hundreds of dollars over the introductory period!

Picture of Marty Gwen Roseberry
 

I want to combine 3 credit cards to one new card and make 1payment a month, what would be the best card to get ?

1 Comment

Hi Marty,

One of the best balance transfer credit cards available is the Chase Slate. This card has 0% APR for the first 15 months and it's also one of the only cards that has no balance transfer fee!

Picture of Joseph Higgins
 

What do you do if you have no credit at all but would like to apply for a credit card I have in the past but have been turned down for not having a credit score so how do you get accepted for a small amount to start out with and who do you go to to get it who will accept me with no credit?

1 Comment

Hi Joseph,

Typically, if you're trying to build credit for the first time, you'll need to start with a secured credit card. A secured card is essentially a credit card with a security deposit. You give the bank a small amount of collateral in the form of cash and they give you a credit card, usually with a relatively low line of credit. Paying your monthly bill on this card will help you build credit, and after 6 months to a year, once you've established a good repayment history and if you don't owe anything on the card, they will return your collateral to you and you can apply for a standard, unsecured card card.

Picture of Melvin Ewing
 

why i cannot get aprov for creidtcards

1 Comment

Hi Melvin,

If you're having trouble getting approved for a credit card, I would recommend checking your credit score. You can do this for free with our Credit Concierge service, and signing up won't have a negative impact on your score.

There is a long list of potential reasons for why you are getting denied on your credit card applications. But what it generally boils down to is that you are probably applying for credit cards that require a credit score higher than what you currently have. By checking your credit score, you can see where you fall and then apply for a card that you have a better chance at getting approved for.

Picture of Stacy Swafford
 

I am starting back to Graduate School this fall, I am needing a good card for gas, food, and other expenses while I'm in school. Looking for something that will have good rewards (either cash back or airline miles). I have good/excellent credit score. any advice on a particular card(s) would be greatly appreciated. Thanks in advance.

1 Comment

Hi Stacy,

If you have a good/excellent credit score then you shouldn't have much of a problem getting approved for any credit card. Since you mentioned gas and food, I would start by looking at the BankAmericard Cash Rewards . This card offers 3% back on gas, 2% back on groceries, and an unlimited 1% back on all other purchases.

Picture of Tim Cerchia
 

I am in need of a credit car to use for mostly automotive repairs. I don't want one that limits me to where i can use it though. I had a goodyear credit card a few years back when i had to get tires suddenly and didn't have the cash to do it so i got it. however it limited me to where i could use it. besides that one time use i have not needed it since, so I don't use credit cards, but recently have begun to realize i should have one for emergencies. I just don't have the cash to cover certain car repairs that I am having. I'd like something with low interest, but also something that's not going to screw me over after one use or lack of use. i have heard for many cards (if not all of them) that having constantly even a small balance is good, but I'd rather just pay off the card and not use it again til I need to again. what's the best card for that?

2 Comments

Hello Tim,

There are a number of credit cards that would be a good fit for what you're looking for. The first card I would consider is the Citi Simplicity. This card has an intro APR of 0% for the first 21 months as well as no annual fee. Furthermore, it is a MasterCard, so you should be able to use it just about anywhere that accepts credit cards.

The notion that carrying a small balance will help your credit score is actually false; though it is a widespread myth. The practice of paying off your balance in full each month, as you mentioned, is hands-down the best way to use a credit card!

Good Day, In response to your question. In your case a NO ANNUAL FEE card with a low interest rate would be ideal. Since, your currently not interested in points, miles, or other perks. Low interest, and No annual fee would be ideal. To build credit avoid the "store charge cards" and apply for a mainstream credit card such as Chase, Citibank or Bank of America (BofA). Any and all would assist in building credit, offer no annual fee, and be there for emergencies. Then in some time, look and read up on the low rate credit cars such as First command Bank or Simmons First Bank Visa and pay balances in full at months end and your be ahead of the game. Hopefully that helps.

Picture of Pearle Pearson
 

By Pearle M Pearson. Opened a new Visa card account with a limited approved line of credit in the amount of $600. It took only short time to arrive at this .One month upon receiving my statement, balance had jumped from $600 to a $1000. Checking further, I saw where a credit of $400 had been made, and purchase amount of $ 400, causing over limit on which an over limit fee had been added.. Although reluctant to correct the error, they finally did, still believing I had lncurred that charge

1 Comment

i want the merrickbank card.

Page:

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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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