Add cards to start comparing.

Compare Cards

Low Interest Credit Cards

See offers from our partners below.

Citi Simplicity® Card - No Late Fees Ever

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 2,094 Offer Ratings
Over the Past 60 Days!

(2,094) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 21 months on Purchases*
  • Intro BT APR 0%* for 21 months on Balance Transfers*
  • Regular Purchase APR 14.99% - 24.99% (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 877-886-4537 TTY: Use Relay Service
  • 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 14.99% - 24.99% 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 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

See additional details for Citi Simplicity® Card - No Late Fees Ever

More Info

Expand Details

Discover it® Cashback Match™

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 996 Offer Ratings
Over the Past 60 Days!

(996) Over the Past 60 Days!
  • Cashback Match™ Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically*
  • EARN Up to 5% cash back in bonus categories, 1% on everything else*
  • Redeem Any amount, any time. Cash back rewards never expire*
  • Annual Fee $0
  • Credit Needed Excellent/Good Credit
  • Card Brand Discover

Highlights

  • Click "APPLY NOW" to apply online or call 800-628-1537
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire. 
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

See additional details for Discover it® Cashback Match™

More Info

Expand Details

Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.2/5.0 from 1,224 Offer Ratings
Over the Past 60 Days!

(1,224) Over the Past 60 Days!
  • Intro Purchase APR 0%* for 21 months on Purchases*
  • Intro BT APR 0%* for 21 months on Balance Transfers*
  • Regular Purchase APR 13.99% - 23.99%* (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 877-836-4537 TTY: Use Relay Service
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.99% - 23.99% based upon your creditworthiness* 
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer 
  • Citi® Price Rewind searches for lower prices online for 60 days for your registered purchases: you can get back up to $500 per item and $2,500 a year*
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions 
  • No annual fee*
  • Free access to FICO® Scores*

See additional details for Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases

More Info

Expand Details

BankAmericard® Credit Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.8/5.0 from 398 Offer Ratings
Over the Past 60 Days!

(398) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days
  • Balance Transfer Fee $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10)
  • Regular APR 12.99% - 22.99% Variable APR on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 800-483-4499
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.99% - 22.99% Variable APR
  • $0 Intro balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app

See additional details for BankAmericard® Credit Card

More Info

Expand Details

Citi® Double Cash Card – 18 month BT offer

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.5/5.0 from 712 Offer Ratings
Over the Past 60 Days!

(712) Over the Past 60 Days!
  • Intro Balance Transfer APR 0%* for 18 months on Balance Transfers*
  • Rewards Rate Earn 1% on Purchases & 1% on Payments
  • Regular Purchase APR 14.49% - 24.49%* (Variable)
  • Annual Fee $0*
  • Credit Needed Excellent, Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online or call 888-343-4081 TTY: Use Relay Service
  • 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 14.49% - 24.49% 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*

See additional details for Citi® Double Cash Card – 18 month BT offer

More Info

Expand Details

Blue Cash Everyday® Card from American Express

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.8/5.0 from 538 Offer Ratings
Over the Past 60 Days!

(538) Over the Past 60 Days!
  • Welcome Offer $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Bonus Cash Back 3% at U.S. supermarkets on up to $6,000 per year in purchases*
  • Rewards Rates 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online or call 866-901-8258
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees

See additional details for Blue Cash Everyday® Card from American Express

More Info

Expand Details

Capital One® VentureOne® Rewards Credit Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.4/5.0 from 526 Offer Ratings
Over the Past 60 Days!

(526) Over the Past 60 Days!
  • Intro Purchase APR 0% intro on purchases for 12 months
  • Rewards Rate 1.25 Miles per dollar on every purchase, every day
  • Regular Purchase APR 12.99% - 22.99% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 12.99%-22.99% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

See additional details for Capital One® VentureOne® Rewards Credit Card

More Info

Expand Details

Wells Fargo Platinum Visa® Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.0/5.0 from 382 Offer Ratings
Over the Past 60 Days!

(382) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Ongoing APR 16.15%-25.99% (Variable)*
  • Annual Fee $0
  • Credit Needed Excellent
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 18 months on purchases and balance transfers, then a 16.15%-25.99% variable APR; balance transfer fees apply
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card
  • Free access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

See additional details for Wells Fargo Platinum Visa® Card

More Info

Expand Details

Capital One® Quicksilver® Cash Rewards Credit Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.9/5.0 from 428 Offer Ratings
Over the Past 60 Days!

(428) Over the Past 60 Days!
  • Introductory APR 0% for 9 months on balance transfers and purchases
  • Rewards Rate Unlimited 1.5% Cash Back on every purchase, every day
  • Regular Purchase APR 13.99% - 23.99% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.99%-23.99% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

See additional details for Capital One® Quicksilver® Cash Rewards Credit Card

More Info

Expand Details

*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

Share your experiences, tips and tricks with us!

Let others learn from your experience. Ask questions. Share your thoughts and opinions about credit cards.

There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don't disclose personal information like your credit card numbers or account information.

Community Conversation

Thank you. Your comment has been submitted and is pending editorial review.
card loader

Sort by:

Picture of Shelene Walker

By: | Sep 14, 2015

I am handicap trying to build my. Creitd please help bless you

3 Replies

By: CompareCards | Sep 15, 2015

Hi Shelene,

Any credit card will report to the credit bureaus and help you build credit as long as you use it responsibly. However, which card you can get approved for will depend on your credit worthiness.

By: Norma Rodriguez | Sep 19, 2015

Hi Shelene, You can apply for a secured card which requires a previous deposit. I recomend Capital one secured card requires a previous $49 for The deposit +$30 membership fee discounted from your credit line and annual fee of $29. The credit line will be 200 dollars and if you did it good they will increase the line after 2 months up to 500. Good luck.

By: Nancy Kirby | Sep 30, 2015

Shelne If you have no credit and no bad credit against you, a plain capital one is a good place to start.

Picture of Leeann Case

By: | Sep 11, 2015

I looking for a lower Interest rate card.I have a citi card with a high balance and Is taking me for ever too get it paid down,I pay way over on my payment I pay 100.00 a month and still taking 4ever too get it.what would be the best card so I can get somewhere on this down thank you..leeann

1 Reply

By: CompareCards | Sep 14, 2015

Hi Leeann,

There are a number of great options for balance transfer credit cards. The Chase Slate is a great place to start because if has 15 months with 0% APR and no balance transfer fee. Another great options is the Citi Simplicity which offers 21 months with 0% APR, but with a 3% balance transfer fee. Boths cards come with no annual fee!

Picture of Anne Middleton

By: | Sep 9, 2015

many lucky people around....me cannot get credit anywhere just because I went into default 39 years ago...now I have a job and fortunately do not need a credit account...in fact I have so much I lend to others free of interest and allow them up to one year to pay......no one has defaulted and many have sent me small presents as a thank you. I refer myself as being Santa.

3 Replies

By: Sandy Tesch | Sep 11, 2015

People to people loaning I think it is a great idea ,many ppl can't qualify for bank cards for whatever reason and if u can get one the interest is ridiculous.I have heard of this that other countries do this for a smaller interest rate.If I was financially able I would do this Why should the banks get all that interest?

By: Staci James | Sep 14, 2015

how does that work? I am trying to build my credit score for a new home . Can you please tell me how you have done this.

By: Susana Sanchez | Sep 23, 2015

well that's good of you how I wish In had a friend like you I really need some help thanks for helping the People you know May God be with you.May God keep giving you more so you can keep helping the ones that need it

Picture of Zeny Viernes

By: | Sep 5, 2015

I need to build my credit up and I just don't know which one who could help me. I was always deny when I apply for credit card that it says I can build my credit...My bank suggested me to apply for secure banking card...

2 Replies

By: CompareCards | Sep 9, 2015

Hi Zeny

As long as you're paying your bills on time, any credit card will help you build credit. One option for you to consider is the Capital One Secured MasterCard. You'll have to put down a refundable security deposit to get approved, but it has no annual fee and after you use it responsibly for about a year, you should be able to get approved for a standard, unsecured credit card.

By: Brandon Marcum | Sep 14, 2015

I would go for capitalone

Picture of Polly Stallings

By: | Sep 4, 2015

We are retired and living on a fixed income so we try to use cash.

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

2 Replies

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!

By: Maddock Mike X | Sep 1, 2015

denice try a credit union with good credit you can get a card @ 9.99% and no annual fee

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 Reply

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 Reply

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 Reply

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%.

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.

Reviews
" " CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.

" " Those who always pay their balances in full and on time will usually come out ahead.

" " The offers on the credit card landscape are constantly changing which is great news for consumers.

" " In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.

" " CompareCards was one of three sites that met all the criteria.

Trusted & Secure
  • Empowering over
    50,000,000 card holders Since 2005

  • Norton Secured
Back to top ↑