Add cards to start comparing.

Compare Cards

Low Interest Credit Cards

See offers from our partners below.

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:

3.7/5.0 from 3,011 Offer Ratings
Over the Past 60 Days!

(3,011) Over the Past 60 Days!
  • Introductory APR 0% for 15 months on balance transfers and purchases
  • Rewards Rate Unlimited 1.5% Cash Back on every purchase, every day
  • Regular Purchase APR 15.74% - 25.74% (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
  • 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 15 months; 15.74%-25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74%-25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

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

More Info

Expand Details

Discover it® Balance Transfer

 

Rated 4.5/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.8/5.0 from 844 Offer Ratings
Over the Past 60 Days!

(844) Over the Past 60 Days!
  • Introductory APR 0% for 18 months on balance transfers & 0% for 6 months on purchases*
  • Rewards Rate Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*
  • Ongoing APR 13.49% - 24.49% Variable*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover

Highlights

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. 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.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • See Rates & Fees

See additional details for Discover it® Balance Transfer

More Info

Expand Details

BankAmericard® credit card

 

Rated 4.5/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.8/5.0 from 731 Offer Ratings
Over the Past 60 Days!

(731) Over the Past 60 Days!
  • Intro Balance Transfer APR 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
  • Intro Purchase APR 0% Introductory APR on purchases for 18 billing cycles
  • Regular APR 14.74% - 24.74% 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% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.74% - 24.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • 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

Chase Freedom Unlimited®

 

Rated 4/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.9/5.0 from 440 Offer Ratings

(440)
  • Introductory APR 0% for 15 months on purchases and balance transfers
  • Sign-up Bonus $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on all purchases.
  • Regular APR 16.74 - 25.49% Variable
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open

See additional details for Chase Freedom Unlimited®

More Info

Expand Details

Bank of America® Travel Rewards Visa® credit card

 

Rated 5/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.4/5.0 from 420 Offer Ratings
Over the Past 60 Days!

(420) Over the Past 60 Days!
  • Rewards Rate Earn unlimited 1.5 points per $1 spent on all purchases
  • Intro Purchase APR 0% Introductory APR on purchases for 12 billing cycles
  • Regular APR 16.74% - 24.74% Variable APR on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online or call 800-775-8735
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 16.74% - 24.74% Variable APR will apply
  • If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase

See additional details for Bank of America® Travel Rewards Visa® credit card

More Info

Expand Details

Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

 

Rated 5/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.4/5.0 from 515 Offer Ratings
Over the Past 60 Days!

(515) Over the Past 60 Days!
  • Intro Purchase APR 0% Introductory APR on purchases for 15 billing cycles
  • Intro BT APR 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
  • Regular APR 15.74% - 25.74% 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 800-716-6383
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.74% - 25.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase

See additional details for Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

More Info

Expand Details

Capital One® VentureOne® Rewards 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 313 Offer Ratings
Over the Past 60 Days!

(313) 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 13.74% - 23.74% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day
  • Earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Transfer your miles to over 12 leading travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 13.74% - 23.74% variable APR after that
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • 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

Chase Freedom®

 

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 86 Offer Ratings
Over the Past 60 Days!

(86) Over the Past 60 Days!
  • Sign up Bonus Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.
  • Introductory APR 0% Intro APR on purchases and balance transfers for 15 months
  • Regular APR 16.74% - 25.49% Variable
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit JourneySM

See additional details for Chase Freedom®

More Info

Expand Details

Wells Fargo Propel American Express® card

 

Rated 5/5 stars by our editorial team

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

4.2/5.0 from 237 Offer Ratings
Over the Past 60 Days!

(237) Over the Past 60 Days!
  • Rewards Rate Earn 3X points on eating out and ordering in, 3X points on gas stations, rideshares and transit, and 3X points on travel including flights, hotels, homestays and car rentals. Earn 1X points on other purchases.
  • Introductory APR 0% for 12 months on purchases and qualifying balance transfers
  • Ongoing APR 15.49%-27.49% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Earn 30,000 bonus points when you spend $3,000 in purchases in the first 3 months – that’s a $300 cash redemption value
  • $0 annual fee and no foreign currency conversion fee
  • Earn 3X points on eating out and ordering in
  • Earn 3X points on travel including flights, hotels, homestays and car rentals
  • Earn 3X points on gas stations, rideshares and transit
  • Earn 3X points on popular streaming services
  • Earn 1X points on other purchases
  • Select "Apply Now" to learn more about the product features, terms and conditions
  • See Rates & Fees

See additional details for Wells Fargo Propel American Express® card

More Info

Expand Details

Capital One® SavorOne® 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:

3.8/5.0 from 82 Offer Ratings
Over the Past 60 Days!

(82) Over the Past 60 Days!
  • Rewards Rate 3% Cash Back on dining; 3% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases
  • Intro APRs 0% intro APR on purchases and balance transfers for 15 months; 15.74% - 25.74% variable APR after that
  • Cash Back Details No minimums for redeeming and cash back won't expire for the life of the account
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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 15 months; 15.74% - 25.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.74% - 25.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

See additional details for Capital One® SavorOne® 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 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%.

Picture of Martin Michaelis

By: | Aug 22, 2015

no fee balance transfer fee ???

1 Reply

By: CompareCards | Aug 24, 2015

Hi Martin,

The Chase Slate is currently the only credit card that has no balance transfer fee, no annual fee, and an introductory 0% APR for 15 months on purchases and balance transfers.

Picture of Sherry Hull

By: | Aug 21, 2015

I need no interest, low payment, bad credit type cards

1 Reply

By: CompareCards | Aug 24, 2015

Hi Sherry,

If you have bad credit, you're options will be very limited as far as credit cards that you can get approved for. Typically, credit cards for bad credit come with high interest rates because the applicants are considered high risk.

One option to consider is the Credit One Bank Credit Card. The APR is 17.9%-23.9%, but if you continually make your payments on time, it will help you build your credit score so you can get approved for a lower interest credit card down the road.

Picture of Jacque Clay

By: | Aug 21, 2015

I am look for a low interest ,with field rate. O percent for two years no yearly fee. I want to transfer so I can get it payed of so I can use it for next summer.

1 Reply

By: CompareCards | Aug 21, 2015

Hi Jacque,

The low interest credit cards that offer the longest intro APR are the Citi Simplicity and the Citi Diamond Preferred which both offer 21 months with 0% APR. Fortunately, neither of these cards come with an annual fee and the 21 month promotion applies to both new purchases and balance transfers.

Picture of Edelyn Mae Sardua Panaligan

By: | Aug 18, 2015

I dont have any credit score yet nor do I own a credit card. What credit card should I choose to start with? I have a BofA checking account.

1 Reply

By: CompareCards | Aug 19, 2015

Hi Edelyn,

If you have no credit, you'll probably need to start with a secured credit card. A secured card works just like a normal credit card, but you have to put down a refundable security deposit to get approved. The Capital One Secured MasterCard is an excellent option to start with. Once you've used your secured card responsibly for about a year, you'll be able to get approved for a standard, unsecured credit card.

Picture of Wanda Cain

By: | Aug 18, 2015

I am working to establish my credit. What's the range for a really good credit score, my current score is, 717

1 Reply

By: CompareCards | Aug 18, 2015

Hi Wanda,

With a credit score of 717, your credit rating is considered "good," but not quite excellent. Typically, good credit is anything between 680-740, and an excellent score would be everything over 740. Nonetheless, you should be able to get approved for almost any credit cards, with the exception of a select few premium rewards cards.

If your goal to to build credit, make sure you're paying all your bills on time and try to carry as little debt as possible, because those two factors make up 65% of your credit score.

Picture of Cherry Sanders

By: | Aug 13, 2015

Or there any credit card for no credit checking and for bad credfit

2 Replies

By: CompareCards | Aug 18, 2015

Hi Cherry,

The Credit One Bank Credit Card is designed for people who have poor credit. You can find out if you are qualified for an approval with a hard inquiry on your credit report!

By: Sharmaine McEachern | Aug 18, 2015

I have the same problem trying to find a card.No credit check and have bad credit. Is there any card that can help me.

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.

Looking to transfer your balance? Transfer your high interest debt to Citi Simplicity® Card - No Late Fees Ever with 0% for 21 months on Balance Transfers. Plus, you will get generous intro APR 0% for 12 months on Purchases.

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 ↑