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Low Interest Credit Cards
- Compare low interest credit cards from our partners
- Low interest credit card independent ratings & consumer reviews
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See offers from our partners below.
- Cashback Match™ Get a dollar-for-dollar match of all the rewards 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
- New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
- You could turn $150 into $300 with 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 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time 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 FICO® Credit Score for free on monthly statements, on mobile and online.
- 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™
- 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
- 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
- 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
- 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
- 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
- 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
- Introductory APR 0% for 18 months on purchases and balance transfers*
- Low Fees Enjoy $0 Annual Fee
- Cell Phone Protection Covers damage & theft, up to $600 per claim*
- 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
*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.
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By: Luis Jesus Pichardo | Feb 11, 2015
have one like more maybe one with 6,000 credit to pay off and pay in one lump sum to my creditors. thank you.
By: Shellane Piatt | Feb 9, 2015
I need a card with an introductory no interest rate & low cash advance fees. Which is offering the best deal right now?
By: Agnesg Clarke Hubbard | Feb 5, 2015
this is god for people with poor credit!!!!!!!!! what is a person to do with poor credit????????????
By: Doreen Sweeney | Jan 27, 2015
Love my Amazon card get money back on purchases that I could access when I make another purchase free shipping and great quality merchandise. It is by Chase
By: Anil Ruparelia | Jan 19, 2015
Viva ala Bank of America rewards, Viva la Slate and freedom from chase, Viva Quicksilver from Capital One. Viva proffered Citi Viva Discover it and Viva ala American Express..
By: Maurice Giddens | Jan 16, 2015
To be honest these credit cards are garbage straight garbage .... they take advantage of people who are struggling I got a few to rebuild my credit. My credit was shot to hell when I got injured and had to retire early.....don't feel bad for me bcuz I got a decent retirement package with full medical benefits for my entire family including my step children............I couldn't keep up with all my toys and high limit credit cards without my overtime at work. and the time I finally got my retirement pushed through my credit was shot ........ 10 straight years of never missing a pymt nvr late ...... down the tubes ....... so I had to resort to using these highway robbery interest rates, credit card fees for a card with 400 limit ......it's almost comedic ..........but if you can function without them don't waste your time from 2009 until 2015 I paid on time nvr missed a payment and they would only increase it by 100 bucks..........rebuild credit my ass
By: Sue Williams | Jan 14, 2015
Just a question. Is there a credit card that has some type of insurance or plan for paying off credit card balance at time of death? I have been having health issues for the past 4 years and have been unable to pay it off.
1 Reply
By: Andrea Braden | May 3, 2015
Why worry about it if you are single because they will just write it off if you pass away. If you are married and have a spouse then that is a different story, cause your spouse will be responsible to pay it off if you pass away.
By: Pat Loyd Stanford | Jan 11, 2015
Are there any cards that do not charge a balance transfer fee?
By: Gary Bell | Jan 9, 2015
Discover #1 in my book!! my Fico is 677 and my Credit Limit is 6500 like i said go Discover best ever!!!!
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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