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Low Interest

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 below contains our editor's rating and objective opinion. Most of the credit card offers shown below are from our advertising partners, however LowCards editors have reviewed each of the features and benefits of the cards below and sorted them in order of our editor's opinion:

There are several pros to low interest credit cards, the most obvious being the low interest rates and low introductory rates which can help save hundreds and even thousands of dollars in interest charges. Secondly we place cards in the low interest category if they also have a relatively lower ongoing APR than other credit cards, so even after the intro period you will have a relatively lower interest rate. And lastly, these cards often come from some of the largest issuers in the country, so you know you're getting a card you can trust and use for years to come. However there are some cons of these cards. First off they often don't come with as many perks as other cards since you're getting the low interest rate. They also are typically designed for individuals with good or excellent credit profiles. And lastly, remember that once the intro period runs out, any balance will then accrue interest at the stated APR. Each card below contains our editor's rating and objective opinion. Most of the credit card offers shown below are from our advertising partners, however LowCards editors have reviewed each of the features and benefits of the cards below and sorted them in order of our editor's opinion:

Low interest credit cards are a fantastic option for anyone looking to reduce their interest rates over a period of 12-18 months with a 0% introductory period. They are ideal if you are planning to make a large purchase and want to pay if off interest free over a several month time period. Beyond the introductory period, these cards typically have lower than average ongoing interest rates. These cards are designed for individuals with stronger credit profiles since banks can't afford to take a risk and not earn interest on the balance. Each card below contains our editor's rating and objective opinion. Most of the credit card offers shown below are from our advertising partners, however LowCards editors have reviewed each of the features and benefits of the cards below and sorted them in order of our editor's opinion:

If you're looking for a card to maximize benefits, then a low interest credit card may not be the right choice for you. The main way to maximize benefits on a low interest card is to first off take advantage of the introductory period, typically at 0% interest, and to also use the card and carry a balance regularly to take advantage of the lower than average ongoing APR. However if you don't plan to carry a balance during the intro period or an ongoing balance, then you may be better comparing different types of cards that come with more ongoing benefits and perks. Each card below contains our editor's rating and objective opinion. Most of the credit card offers shown below are from our advertising partners, however LowCards editors have reviewed each of the features and benefits of the cards below and sorted them in order of our editor's opinion:

Best Card Features:
  • 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then 11.24% – 21.24% Variable APR.
  • Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies
  • No annual fee
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    11.24% - 21.24% Variable APR on purchases and balance transfers
  • Intro Rate :
    0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • 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 13.24% – 23.24% based on your creditworthiness.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    13.24 - 23.24% (Variable)
  • Intro Rate :
    0% intro APR on purchases and balance transfers for 21 months*
  • Annual Fee:
    $0*
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24%-22.24% 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.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    12.24% - 22.24%* (Variable)
  • Intro Rate :
    0% on purchases and balance transfers for 21 months*
  • Annual Fee:
    $0*
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Industry Leading APR: This card has an extremely low on-going APR on both purchases as well as balance transfers, making it a fantastic option for anyone considering carrying an on-going balance.
  • Unique Rewards Program: Get rewarded through the GivebackTM program, where Barclaycard Ring members can get money back for good performance!
  • Social Card: This card comes with a social online community to help you learn about the card, financial responsibility, and other information. You can vote on new product features and benefits, and take advantage of having your voice heard in the future of the card.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    8.25%* Variable
  • Intro Rate :
    None
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • No annual fee
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    13.24% - 23.24% Variable APR on purchases and balance transfers
  • Intro Rate :
    0% for 12 billing cycles for purchases and for any balance transfers made within 60 days of account opening
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Low On-Going APR: This card has an extremely low on-going APR, one of the lowest available.
  • Travel Benefits: This card features up to $1,000,000.00 in travel accident insurance along with over travel protection benefits.
  • Low Cash Advance APR: This card also has an extremely low cash advance APR.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    7.50% Variable
  • Intro Rate :
    N/A
  • Annual Fee:
    No Annual Fee
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Worldwide Acceptance: This card is accepted worldwide anywhere Visa cards are accepted plus offers 24 hour cash from any ATM where Visa cards are accepted.
  • Low Interest Rate: This card features an extremely low on-going APR, one of the lowest in the industry.
  • Travel Benefits: This card comes with numerous travel benefits, including accident insurance, emergency cash and card replacement, and rental car coverage.
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    9.50% Variable
  • Intro Rate :
    None
  • Annual Fee:
    None
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • 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
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days – that can be a $200 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
Applying for this card will securely direct you to the issuer's website.
  • Interest Rate:
    15.24% - 23.24% Variable APR on purchases and balance transfers
  • Intro Rate :
    0% for 12 billing cycles on purchases
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit