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Low Interest Credit Cards
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- Intro Purchase APR 0%* for 21 months on Purchases*
- Intro BT APR 0%* for 21 months on Balance Transfers*
- Regular Purchase APR 13.49% - 23.49%* (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 13.49%-23.49% based upon your creditworthiness.*
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
- 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
- $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
- 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
- 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
- You could turn $200 into $400 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 14.49% - 24.49% (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 14.49% - 24.49% 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
- 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 Mastercard®
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 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
- 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
- Welcome Offer $100 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
- $100 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 12 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
*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: Anne Phillips McCann | Jan 8, 2015
I need to rebuild my credit.......my creditscroce is 580 i have alot of unpaied hospital i need to now what to do ?
By: Haim Roe | Jan 8, 2015
Don't apply to any card that you receive that says pre approved unless you want that particular card and you have more than 700 points and you don't owe more than 50% on any of your cards. Otherwise they just pull a hard credit check which will affect your credit and the either give you a different credit card interest (higher than ad) or just turn you down.
By: Robert Johnson | Jan 6, 2015
Currently have a cc, that charges a 19.99% int. rate. Do not use it very much, but would like to find one with a lower rate. Always pay more than the minimum amount due, but am just beyond paying it off, each month.
2 Replies
By: Andrea Braden | May 3, 2015
If you pay off your credit card each month before the due date you won't be charged any interest.
By: Rancho Orchard | May 11, 2015
Get yourself a 0% Discover Card and do a balance transfer, pay it off and cha-ting your free.
By: Hazel Henry | Jan 6, 2015
most of my credit cards interest rates are over 21.99%.I would like lower rates but these Creditors don't give a damn about lowering my rates to enable me to pay off my bills much faster.I have asked most of these same Banks and was denied,even though I pay all my bills on time and my credit ratings is in good standard.
1 Reply
By: Andrea Braden | May 3, 2015
Find another credit card company with a better interest rate and do a balance transfer and pay off the high interest rate card. Credit card companies love to do balance transfers so they can get your business. Just don't be late on your payments because they will raise your interest rate, most credit card company's will do that if you pay a late payment and they will charge a late fee of around 35.00 dollars also. Don't ever close a credit card out because that will affect your credit score, because they will lower your credit score. It doesn't seem fair but that is the way the credit card companies do it and who ever said life was fair anyway.
By: Carolyn Duhon | Jan 5, 2015
For the past 15 year's I had poor credit but now I have payed off two Car's Note. Capitol One credit card gave up one with a Credit Limit for $500.00 then they raise it up every 4-6 Month's now our Limit is up too 2,000. Since paying it on time we have been approved for different Credit Card's but we might have them but we don't use them unless we have Emergency then we will pay it off as the Bill come in. In October we bought a 2015 Chrysler 200 we were going to pay it off in 3 Month's but the Car Dealership Manager told us that make payment's for the next 12 Month's on time then your Crdit Score will go up to a Mid 700. So next year we will pay off my Car and then Buy us a New House. I tell my Children to don't go crazy with your Credit Card's if you can't pay your credit card's then you don't need one.
By: Byroni Freidenberger | Dec 24, 2014
I mean,who REALLY has EXCELLENT credit these days??
By: Kashif Malik | Dec 23, 2014
I just started using Discover card with $500 limit as student, its been three months now. I want to apply new credit cards as employed now. What are good cards to apply?
By: Ginger Cohen | Dec 21, 2014
I called for support and after giving my credit card number was told that I would be transferred to someone who could help. Another person answered the phone and rudely said to call back in three hours. Not helpful!
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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