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: No annual fee; $150 statement credit after spending $1,200 in first 90 days; 0% on Purchases for 12 months and Balance Transfers for 18 months
  • 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 14.40% – 24.40%, based on your creditworthiness
  • Earn $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
  • Regular APR
    14.40% - 24.40% (variable)
  • Intro APR
    0% on Purchases for 12 months and Balance Transfers for 18 months
  • Annual Fee
    $0
  • cdm-card

    Excellent Credit

Best Card Features: Earn cash back twice. 1% when you buy plus 1% as you pay; 0% APR for 18 months on balance transfers
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Regular APR
    13.99% – 23.99% (Variable)
  • Intro APR
    0% intro APR for 18 months on balance transfers
  • Annual Fee
    $0
  • cdm-card

    Good/Excellent Credit

Best Card Features: Only card to round up rewards to nearest 10 points; 15,000 bonus points after spending $1,000 in first 3 months
  • The Citi Rewards+SM Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% – 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • Regular APR
    13.49% - 23.49% (Variable)
  • Intro APR
    0% for 15 months on Purchases and Balance Transfers
  • Annual Fee
    $0
  • cdm-card

    Good/Excellent Credit

Best Card Features: 0% APR for 21 months on Balance Transfers and 12 months on Purchases; no annual fee, late fee or penalty rate
  • 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 14.74% – 24.74%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 14.74% – 24.74%, based on your creditworthiness.
  • Regular APR
    14.74% - 24.74% (Variable)
  • Intro APR
    0% for 21 months on Balance Transfers; 0% for 12 months on Purchases
  • Annual Fee
    $0
  • cdm-card

    Good/Excellent Credit

Best Card Features: Long intro APR period especially for balance transfers; No annual fee
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 13.74% – 23.74%, based on your creditworthiness. All transfers must be completed in first 4 months.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 13.74% – 23.74%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full.
  • Regular APR
    13.74% – 23.74% (Variable)
  • Intro APR
    0% for 12 months on Purchases and 0% for 21 months on Balance Transfers
  • Annual Fee
    $0
  • cdm-card

    Good/Excellent Credit

Best Card Features: Low 9.99% fixed APR; no credit check or minimum credit score needed; reports to all 3 national credit bureaus
  • Better than Prepaid…Go with a Secured Card! Load One Time – Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • Regular APR
    9.99% (Fixed)
  • Intro APR
    N/A
  • Annual Fee
    $48
  • cdm-card

    Bad Credit

Best Card Features: Reports to all 3 major credit bureaus; no credit history or minimum score required for approval
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Regular APR
    9.99% (V)
  • Intro APR
    N/A
  • Annual Fee
    $49
  • cdm-card

    Bad Credit

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