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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 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:

 

ABOC Platinum Rewards Mastercard®

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

ABOC Platinum Rewards Mastercard®

Best Card Features:

No annual fee; $150 statement credit after spending $1,200 in first 90 days; 0% on Purchases for 12 months

  • 0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% – 22.90% (V), 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

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REGULAR APR

12.90% - 22.90% (variable)

INTRO APR

0% on Purchases for 12 months

ANNUAL FEE

$0

Excellent Credit

cdm-card

Recommended For: Excellent Credit

First Progress Platinum Prestige Mastercard® Secured Credit Card

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

First Progress Platinum Prestige Mastercard® Secured Credit Card

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

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REGULAR APR

9.99% (V)

INTRO APR

N/A

ANNUAL FEE

$49

Bad Credit

cdm-card

Recommended For: Bad Credit

Applied Bank® Secured Visa® Gold Preferred® Credit Card

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Applied Bank® Secured Visa® Gold Preferred® Credit Card

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

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REGULAR APR

9.99% (Fixed)

INTRO APR

N/A

ANNUAL FEE

$48

Bad Credit

cdm-card

Recommended For: Bad Credit

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LowCards.com does not include all credit card companies or every available credit card offer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Every reasonable effort has been made to maintain accurate information, however credit card offers change frequently. After you click on an offer you will be directed to the credit card issuer’s secure web site where you can review the terms and conditions for your offer.

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