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

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 101 Offer Ratings
Over the Past 60 Days!

(101) 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

Capital One® VentureOne® Rewards Credit Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.3/5.0 from 789 Offer Ratings
Over the Past 60 Days!

(789) 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™

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 688 Offer Ratings
Over the Past 60 Days!

(688) 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

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.8/5.0 from 1,032 Offer Ratings
Over the Past 60 Days!

(1,032) 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

Capital One® Quicksilver® Cash Rewards Credit Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.9/5.0 from 393 Offer Ratings
Over the Past 60 Days!

(393) 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

Wells Fargo Platinum Visa® Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.0/5.0 from 325 Offer Ratings
Over the Past 60 Days!

(325) 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

Chase Freedom Unlimited®

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 262 Offer Ratings

(262)
  • 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

*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 K Trina Plunkett Robichaud

By: | May 15, 2017

If I transfer $10,000 and pay $200.00 for 15 months what happens to balance of $7,000. Is the interest rate then higher or based on credit score at the end of 15 months.

1 Reply

By: CompareCards | May 15, 2017

When you get approved for a credit card, you will be assigned an ongoing interest rate based on your credit worthiness at the time you were approved. After the intro APR period is up, that interest rate will be applied to your remaining balance on a monthly basis.

Picture of Samantha Ewing

By: | Apr 21, 2017

I am looking for a credit card with 0% APR and also $0 balance transfer. Is there a CC out there with intro's that meet my needs?

1 Reply

By: CompareCards | Apr 25, 2017

Two credit cards that currently offer no intro balance transfer fee and 0% intro APR for 15 months and are the Chase Slate card and the Barclaycard Ring Mastercard.

Picture of Carlos Molina

By: | Apr 19, 2017

Citi AAdvantage is the best card!!!!

Picture of Kenneth D Schroeder

By: | Apr 16, 2017

I have the Capitol One Quicksilver card. It is one of the best I have ever used. 1.5% unlimited cash back no fee.

2 Replies

By: Steven J Mammolito | Apr 24, 2017

Citi double cash rewards. Effectively 2% on all purchases with no limits or fees. 1% as you buy and 1% as you pay your card.

By: Michael Williams | May 4, 2017

I agree with Kenneth, "what's in your pocket" as commercial says. I say it should be Capital One,

Picture of Ingrid Hansen Ledesma

By: | Apr 16, 2017

I am retired and am on social security. I only have 1 bill which is my credit card. I would like to apply for the 21 month 0% APR. I always pay before payment is do and I pay more than is due. Would I be able to apply for this transfer even if I am retired and my only income is my retirement?

1 Reply

By: CompareCards | Apr 20, 2017

While income and employment status are an important factor for credit card approvals, the most important factor is your credit score. If you have always paid your bills on time then it is likely that you have a good or excellent credit score, but it's always a good idea to check your score before you apply. The Citi Simplicity and Citi Diamond Preferred each offer 0% intro APR for 21 months and generally require good to excellent credit for an approval.

Picture of Betty Taylor

By: | Apr 10, 2017

I love my chase freedom and is the only I use. It works much better than carrying cash.

Picture of Pete D Warren

By: | Mar 20, 2017

Scored a free round trip from Portland OR to Frankfurt Gm for free after just a year with the Sapphire Card. Good card!

Picture of Vince Skrzypek

By: | Mar 18, 2017

We're taking a big vacation and want to open a credit card that offers the best rewards. Including cash back, everyday rewards or even travel rewards. No annual fee also. Not worried about introductory offers since we will be paying off right away. There's so many different options I've seen. Anything stick out ahead of the rest?

2 Replies

By: CompareCards | Mar 20, 2017

The Discover It Cashback Match is a very popular offer right now because for new cardholders, Discover will double all the cash back you earn during your first year! This card comes with 5% cash back in special rotating categories and 1% on everything else, plus no annual fee. A few other popular no annual fee rewards cards include the Citi Double Cash, BankAmericard Travel Rewards, and the Chase Freedom Unlimited.

By: Laraine Grant | Apr 18, 2017

Citi Double Cash is the best! No restrictions on how or where you can use it. Also, gives more cash back than the others.

Picture of Sharon Hendrickson Dillsaver

By: | Mar 18, 2017

Want a card with bonus cash and at least 2% on everything.

1 Reply

By: Martin Markowitz | Mar 30, 2017

Get Citi double cash back. 1% when you make any purchase and 1% when you pay on the card. I think the best card out there.

Picture of Dean Semmer

By: | Mar 14, 2017

I would like a credit card that got me into the airport lounges without a fee. There was a time when you would be able to subscribe to the Admirals Club for $1000 for life! The airport lounges are nice but they aren't that great. I visited the American Express lounge in Las Vegas, that was elegant and very nice.

2 Replies

By: CompareCards | Mar 15, 2017

The Platinum Card from American Express offers access to the Global Lounge Collection which includes over 1,000 airport lounges around the world!

By: Shane Sanders | Apr 8, 2017

I have, both, the Amex Platinum, as well as the Chase Sapphire Reserve. Although these cards require excellent credit and require a hefty annual fee, both get me tons and tons of perks (including Lounge Access), and the annual fees are quickly offset with the savings. I love entering these little VIP Lounges and getting free food and alcohol!

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 ↑