Low Interest Credit Cards

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Low Interest Credit Cards

Learn More About 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 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:
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named ‘The Best Travel Card’ by CNBC, 2018
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    17.99% - 25.24% (Variable)
  • Intro APR:
    N/A
  • Annual Fee:
    $0 intro for first year; $95 after that
  • Editor Rating :
  • Credit
    Recommended:
    Good Credit
Best Card Features:
  • 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, 15.24% – 25.24% 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
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    15.24% - 25.24% Variable APR on purchases
  • Intro APR:
    0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1000 in purchases in the first 90 days of account opening
  • NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    16.24% - 26.24% Variable APR on purchases
  • Intro APR:
    0% Introductory APR for 12 billing cycles on purchases AND for any 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 for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% – 26.24%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% – 26.24%, based on your creditworthiness
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    16.24% - 26.24%* (Variable)
  • Intro APR:
    0%* for 21 months on Balance Transfers*; 0%* for 12 months on Purchases*
  • Annual Fee:
    $0*
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • 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 1.25X miles on every purchase, every day and pay no annual fee. Plus 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
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    14.24% - 24.24% (Variable)
  • Intro APR:
    0% intro on purchases for 12 months
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Good Credit
Best Card Features:
  • Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 14.24% APR will apply
  • Low 14.24% variable APR on purchases and cash advances
  • NEW – Control Your Card – Instantly secure your accounts by locking your cards with Barclays SecurHold™, plus set transaction limits and block certain purchase categories for you or your authorized users. Available only on the Barclays mobile app.
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    14.24% Variable
  • Intro APR:
    0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 14.24% APR will apply.
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • 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
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    16.24% - 26.24% (Variable)
  • Intro APR:
    0% intro on balance transfers for 15 months; 0% intro on purchases for 15 months
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Good Credit
Best Card Features:
  • 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
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    16.24% - 26.24% (Variable)
  • Intro APR:
    0% intro on balance transfers for 15 months; 0% intro on purchases for 15 months
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 15.15% – 25.15%, based on your creditworthiness
  • Earn a $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    15.15% - 25.15% (variable)
  • Intro APR:
    0% APR for 12 months on purchases and balance transfers
  • Annual Fee:
    $0
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening.
  • Save on interest with a competitive purchase APR.
  • No annual fee.
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    11.49% - 22.49% Variable APR on purchases
  • Intro APR:
    0% Introductory APR on purchases for your first 7 billing cycles.
  • Annual Fee:
    $0.00
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening – with no annual fee, no cap on the amount of cash rewards you can earn and they don’t expire.
  • Earn 3% cash back on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) and 1% cash back on all other purchases.
  • 0% Introductory APR on purchases for your first 9 billing cycles.
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    14.49% - 24.49% Variable APR on purchases
  • Intro APR:
    0% Introductory APR on purchases for your first 9 billing cycles
  • Annual Fee:
    $0.00
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit
Best Card Features:
  • Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don’t expire.
  • Earn 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases.
  • Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center – powered by Expedia®
Applying for this card will securely direct you to the issuer's website.
  • Regular APR:
    13.49% - 23.49% Variable APR on purchases
  • Intro APR:
    0% Introductory APR on purchases for your first 9 billing cycles.
  • Annual Fee:
    $0.00
  • Editor Rating :
  • Credit
    Recommended:
    Excellent Credit