Low Interest Credit Cards

The following low interest credit cards feature either a low fixed interest rate or a low introductory Annual Percentage Rate (Intro APR). Some of these credit cards even offer 0% interest on purchases for up to 18 months. Compare low interest credit card offers below and apply online by filling out a secure online application.

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Low Interest Credit Cards

The interest rate is an important factor that should be considered before you make a decision about getting a credit card. A low interest rate is always an advantage to look for. Low interest credit cards are the perfect option for the individuals planning a large purchase or looking forward to funding a family trip. It will also be a good choice if you want to pay off a loan by using your balance transfer option.

This financial product features a very low introductory rate. The interest will also remain insignificant in the long term. Usually, the annual introductory rate will not exceed 3.99 percent. The low introductory rate may be extended for a period ranging from six months to as much as one year. It will apply to purchases, balance transfers, or both in most instances. After the introductory period ends, the interest rate will usually be in a range from 6.5 to 15.99 percent. These are several nice characteristics that make the low interest credit card a desirable option.

If you want to get a low interest card, you should go carefully though all the terms and conditions before signing the papers. A low interest credit card may come with some hidden disadvantages that will diminish its appeal. Low interest credit cards are either variable APR or fixed APR. In the case of fixed APR, the interest rate is expected to remain unchanged throughout the duration of the contract. Variable APR allows the bank to change the rate on the basis of fluctuations in the national prime rate.

As a bank customer, you need excellent credit in order to benefit from the low interest card. This requirement is understandable due to the fact that the bank will be offering a preferential interest rate. Many banks may also be willing to decrease the credit card rates for current customers who have been loyal or who are considering the selection of an alternative option. Thus, each individual is capable of finding better credit card conditions. It may take some research and negotiations but the final result is worth the effort.

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Advertiser Disclosure: CreditcardXpo is an independent, advertising-supported comparison service. The card offers that appear on this site are from companies from which this website receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This website does not include all card companies or all card offers available in the marketplace. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.