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Low Interest Credit Cards

These credit cards have either a low interest rate or a low introductory annual percentage rate (APR). Most of the cards have no annual fee and reasonable rewards programs. Low interest credit cards are ideal for consumers looking to make a large purchase in the near future that will be paid off over time. Additionally, many of the introductory rates apply to both purchases and balance transfers, so they are ideal for consumers with high balances on other high interest rate credit cards. Each card contains our editor’s objective opinion. The cards below are sorted in order of our editor’s opinion:

1. Capital One® Platinum Prestige Credit Card
Capital One® Platinum Prestige Credit Card Apply Now See Details
Intro Rate: 0% Intro on Purchases and Balance Transfers until August 2014
Interest Rate: 10.9% - 18.9% (V)
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: Introductory APR; No annual fee.

2. Discover it®
Discover it® Apply Now See Details
Intro Rate: 0% APR for 14 months on purchases
Interest Rate: 10.99%-22.99% (V)
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: 0% Intro APR, great cash back opportunities

3. Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card Apply Now See Details
Intro Rate: 0% Intro APR for 18 months
Interest Rate: 11.99%-21.99% (V)
Annual Fee: $0*

Credit Profile : Excellent

Editor Rating :

Best Card Features: 0% introductory rate, personalized concierge service, no annual fee

4. Capital One® VentureOne(SM) Rewards Credit Card
Capital One® VentureOne(SM) Rewards Credit Card Apply Now See Details
Intro Rate: 0% Intro APR on Purchases until May 2014
Interest Rate: 11.9-19.9% (V)
Annual Fee: $0

Credit Profile : Excellent

Editor Rating :

Best Card Features: Introductory APR; rewards program.

5. Citi Simplicity® Visa Card
Citi Simplicity® Visa Card Apply Now See Details
Intro Rate: 0%* on purchases and balance transfers for 18 months*
Interest Rate: 12.99-21.99% (V)
Annual Fee: $0*

Credit Profile : Excellent

Editor Rating :

Best Card Features: Introductory 0% APR on purchases AND balance transfers, no annual fee, no late fees.

6. Citi® Dividend Platinum Select® Visa® Card

Citi® Dividend Platinum Select® Visa® Card Apply Now See Details
Intro Rate: 0%* on purchases and balance transfers for 12 months*
Interest Rate: 12.99-22.99% (V)
Annual Fee: $0*

Credit Profile : Excellent

Editor Rating :

Best Card Features: 0% introductory APR offer, cash back on every purchase, no annual fee

7. Citi ThankYou® Card
Citi ThankYou® Card Apply Now See Details
Intro Rate: 0% intro APR on balance transfers and purchases for 15 months
Interest Rate: 12.99-22.99% (V)
Annual Fee: $0*

Credit Profile : Good

Editor Rating :

Best Card Features: 0% introductory APR offer on Purchases and Balance Transfers; ThankYou® rewards program, earn points on every eligible purchase, no annual fee.

8. Simmons First Visa Platinum
Simmons First Visa Platinum Apply Now See Details
Intro Rate: N/A
Interest Rate: N/A
Annual Fee: No Annual Fee

Credit Profile : Excellent

Editor Rating :

Best Card Features: N/A

9. Simmons First Visa Platinum Rewards

Simmons First Visa Platinum Rewards Apply Now See Details
Intro Rate: 0% for 6 months
Interest Rate: N/A
Annual Fee: None

Credit Profile : Excellent

Editor Rating :

Best Card Features: Low interest rate for people with excellent credit. Travel rewards with no annual fee.