Add cards to start comparing.

Compare Cards

Low Interest Credit Cards

See offers from our partners below.

The Amex EveryDay® Credit Card from American Express

 

Rated 4/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 190 Offer Ratings
Over the Past 60 Days!

(190) Over the Past 60 Days!
  • Intro Purchase APR 0% for 15 Months
  • Intro Balance Transfer APR 0% for 15 Months
  • Rates & Fees $0 annual fee & $0 balance transfer fee.
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online or call 866-901-8258
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.24% to 25.24%.
  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • No annual fee.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Terms Apply.
  • See Rates & Fees

See additional details for The Amex EveryDay® Credit Card from American Express

More Info

Expand Details

Chase Freedom Unlimited®

 

Rated 4/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 284 Offer Ratings

(284)
  • Introductory APR 0% for 15 months on purchases and balance transfers
  • Rewards Rate Unlimited 1.5% cash back on every purchase - it's automatic!
  • Regular APR 16.24% - 24.99% Variable
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 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 from account opening on purchases and balance transfers, then a variable APR of 16.24-24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

See additional details for Chase Freedom Unlimited®

More Info

Expand Details

Capital One® VentureOne® Rewards Credit Card

 

Rated 5/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.3/5.0 from 803 Offer Ratings
Over the Past 60 Days!

(803) 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 13.24% - 23.24% (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
  • New! Earn unlimited 10x miles on hotels when you pay with your VentureOne card at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.24%-23.24% 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

Discover it® Cashback Match™

 

Rated 4.5/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 706 Offer Ratings
Over the Past 60 Days!

(706) Over the Past 60 Days!
  • Intro Purchase APR 0% for 14 months
  • Intro Balance Transfer APR 0% for 14 months
  • Rewards Rate Up to 5% cash back in bonus categories, 1% on everything else*
  • Annual Fee $0
  • Credit Needed Excellent/Good Credit
  • Card Brand Discover

Highlights

  • Click "APPLY NOW" to apply online or call 800-628-1537
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn 1% cash back on all other purchases.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire. 
  • Use your rewards instantly at Amazon.com checkout.
  • No annual fee.
  • See Rates & Fees

See additional details for Discover it® Cashback Match™

More Info

Expand Details

HSBC Gold Mastercard® credit card

 

Rated 4/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.8/5.0 from 1,082 Offer Ratings
Over the Past 60 Days!

(1,082) Over the Past 60 Days!
  • Intro Purchase APR 0% for 18 months
  • Intro Balance Transfer APR 0% for 18 months
  • Rates and Fees No annual fee, no foreign transaction fee, and no penalty APR
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR on purchases and balance transfers for the first 18 months from Account opening.
  • Then a variable APR of 12.24%, 16.24% or 20.24% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.

See additional details for HSBC Gold Mastercard® credit card

More Info

Expand Details

Wells Fargo Platinum Visa® Card

 

Rated 4/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.0/5.0 from 324 Offer Ratings
Over the Past 60 Days!

(324) Over the Past 60 Days!
  • Introductory APR 0% for 15 months on purchases and balance transfers*
  • Low Fees Enjoy $0 Annual Fee
  • Ongoing APR 16.40%-26.24% (Variable)*
  • Annual Fee $0
  • Credit Needed Excellent
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 15 months on purchases and balance transfers, then a 16.40%-26.24% 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

 

Rated 4.5/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.9/5.0 from 396 Offer Ratings
Over the Past 60 Days!

(396) 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 14.24% - 24.24% (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; 14.24%-24.24% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 14.24%-24.24% 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 Alberta Fuller

By: | Jun 12, 2015

I need to get a 0% interest fee card and pay off the one I now have. I need at least 12 months to regroup and be free of all these fees I am dealing with.

1 Reply

By: CompareCards | Jun 12, 2015

Hi Alberta,

If you have a good or excellent credit score, then there are a number of cards that would suit your needs very well. The one I would definitely recommend is the Chase Slate. This card has 0% APR on purchases and balance transfers for the first 15 month and no balance transfer fee.

Picture of Kathy Combess

By: | Jun 11, 2015

Don't want credit card now

Picture of Chad Schnur

By: | Jun 10, 2015

i cant get ebay to take my card with out being a member

Picture of John Blain

By: | Jun 8, 2015

Is there a banking card or federal credit union card with 0%-10% or less APR?

1 Reply

By: CompareCards | Jun 8, 2015

Hi John,

There are numerous credit cards that have 0% APR for a set period of time after open an account. The longest of these would be the Citi Simplicity, which offers 0% APR for the first 21 months.

After the introductory period is up, the interest rate on most credit cards will usually jump to anywhere between 10%-22% depending on the credit card and the applicant’s creditworthiness. If you’re looking for a credit card with a low ongoing interest rate, I would recommend the Barclaycard Ring MasterCard which has an interest rate of only 8%.

Picture of Tanya Dakir

By: | Jun 5, 2015

Fair credit accepted or not credit don't have to be perfect

Picture of Raymond Uttaro

By: | Jun 5, 2015

how is American express> it doesn't show on this list why it 's a good card.

2 Replies

By: CompareCards | Jun 5, 2015

Hi Raymond,

While American Express is certainly one of the top credit card issuers when it comes to rewards credit cards, they don't really have much of a reputation for offering credit cards with low interest rates. That said, one good option if you're looking for a low interest card from American Express would be The Amex Everyday Credit Card. This is a great rewards card that also comes with no annual fee and an intro APR of 0% for the first 15 months! After the intro period is up, the interest rate will fall between 12.99%-21.99% depending on your credit worthiness.

By: Raymond Uttaro | Jun 8, 2015

No long comment because i am happy with my credit card not too many people can get but with a good credit score no problem to get one who have a good low rate and as many cards 15 months at 0 % APR..it is a good card

Picture of Betty Haney

By: | Jun 5, 2015

what do your credit score have to be

Picture of Dutch Carl Maxwell

By: | May 26, 2015

How about being more responsible. And maybe start paying your bills.

2 Replies

By: Mary Romano | Jun 13, 2015

What would happen if you got sick, say Heart Attack or injury that prevented you to work and little or no income. What would you do? I think on the whole people would like and need to pay their bills, but little or no income what can a person due. They can pay as much as possible and let the Credit Card company know what is happening. Maybe you should reconsider your answer.

By: Ashley Dawn Harvey | Jul 16, 2015

I like your comment Mary Romano!!!!!! My husband did have a heart attack and his job fired him right before being released from Dr care!!!!!!!

Picture of Kina M Williams

By: | May 22, 2015

I gotta have credit cards and I have a lot of them!!!! :)

Picture of Jane Smith

By: | May 22, 2015

HI My Name Is Maria Zelaya and i need in opportunity to proved that i can be responsible with a credit card my credit is poor because of medical bills i am a diabetic in a disability and all i need is a opportunity i apply for credit cards but they said no because of a poor credit thank you very much God Bless everyone ho read this messeage

1 Reply

By: CompareCards | Jun 3, 2015

Hi Jane,

Typically, if you're trying to rebuild credit 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 you monthly bill on this card will help you build credit and prove that you're a responsible borrower. 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.

The Capital One Secured MasterCard and the Discover it Secured Credit Card are both great options, but feel free to check out all of the options on our secured cards 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.

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 ↑