Low Interest Credit Cards

Low Interest Credit CardsThe 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 15 months. Compare low interest credit card offers below and apply online by filling out a secure online application.

9 Low Interest Credit Cards Available. Displaying Offers 1 - 9:

Citi® Platinum Select® MasterCard®  Editor's Choice

  • 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*
  • Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more
  • Citi® Identity Theft Solutions
  • Secure, free online account management
  • No annual fee

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0%* 12 months on Purchases* 11.99% - 19.99%* (Variable) None Yes Excellent Credit

Citi® Diamond Preferred® Card

  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 14.99%. This APR will vary with the market based on the Prime Rate.
  • Concierge service that caters to your needs 24/7
  • Citi® Identity Theft Solutions
  • Secure, free online account management
  • No annual fee*

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0%* 12 months* 14.99%* (Variable) None Yes Excellent Credit

Capital One® Platinum Prestige Credit Card

  • 0% intro APR until August 2011 on balance transfers, processed in as little as 48 hours
  • 0% intro APR until August 2011 on purchases
  • Transfer your higher-rate balances
  • $0 Fraud Liability if your card is lost or stolen
  • 24-hour travel & emergency assistance gives you a replacement card and cash advance
  • 24-hour roadside assistance
  • Travel accident insurance
  • No annual fee

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0% until August 2011 11.9% (V) None Yes Excellent Credit

Slate(SM) from Chase

  • 0% Intro APR for up to 12 months.
  • No Annual Fee.
  • New Innovative Card Design.
  • Blueprint(SM) – free and customizable features
    • Help you avoid unnecessary interest
    • Pay your balances down faster

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0% See Terms* 13.24%-22.24% Variable* None Yes Excellent Credit

Discover® More Card

  • 0% intro APR on balance transfers for a full 15 months, then the Regular APR
  • 0% intro APR on purchases for a full 6 months, then the Regular APR
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • No Annual Fee

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0%* 6 Months* 11.99% - 20.99% (Variable)* None Yes Excellent Credit

Citi® Dividend Platinum Select® MasterCard®

  • 0% Intro APR on Balance Transfers for 15 months. After that, the APR will be 12.99%-20.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
  • Earn 5% cash back at restaurants and on car rentals and hotels from 7/1/10 to 9/30/10. Enrollment required each quarter.
  • Full 1% cash back on eligible purchases and cash advances.
  • Earn extra cash back on popular, rotating categories each quarter.
  • Average 5% additional cash back through Citi Bonus Cash Center®
  • No Annual Fee

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0% N/A 12.99% - 20.99%* (Variable) None Yes Excellent Credit

Citi Forward® Card

  • Earn up to 8,500 bonus points after you sign up for paperless statements and make $250 in purchases within the first 3 months of account opening.
  • 5 ThankYou points for every $1 you spend on restaurants and entertainment. 1 reward point for every $1 you spend on other purchases.
  • Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row.
  • No annual fee

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0%* 7 Months on Purchases* 12.99% - 19.99%* (Variable) None Yes Excellent Credit

Citi® Diamond Preferred® Rewards Card

  • $50 gift card - Redeem 6,000 bonus points after $300 in purchases within 3 months of account opening
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-20.99% based on creditworthiness*. This APR will vary with the market based on the Prime Rate.
  • 5 ThankYou® Points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months, 1 ThankYou Point thereafter**
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • No annual fee

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0%* 12 months* 12.99% - 20.99%* (Variable) None Yes Excellent Credit

Capital One® VentureOne(SM) Rewards Credit Card

  • 1.25 miles per dollar on every purchase, every day
  • Redeem miles for airline tickets, hotel rooms, car rentals and more
  • No limit on the miles you can earn and miles won't expire
  • Fly free on any airline, any time with no blackout dates
  • Use rewards for travel, merchandise, gift cards and more
  • 0% intro APR on purchases until August 2011
  • No foreign transaction fees
  • No annual fee

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0% on purchases until August 2011 13.9% (V) None Yes Excellent Credit

 

Low Interest Credit Cards

A low interest credit card is recommended over other card benefits if you would like to finance your holiday shopping or a large purchase, or you desire to use a balance transfer to pay off higher interest loans.

Low interest cards can be a great deal, because in addition to long-term low rates, many offer a great introductory rate, typically ranging from 0% to 3.99% annually. The introductory rate may apply to balance transfers, purchases, or both, and it will extend from six months to more than twelve months. After the introductory period, the interest rate on low APR cards typically ranges from 6.5% to around 15.99%.

When you compare low APR credit cards, read the terms and conditions carefully and then weigh all of the above factors to find the card that best fits your needs. To qualify for a lowest interest credit card, you will generally need good to excellent credit rating. However, regardless of your situation, you can still find a low rate credit card that fits your profile. You may even find that your existing card company will lower the rate on the card you have, rather than lose you as a customer.

There are two types of rates on low interest credit cards: "fixed" APR and "variable" APR. If your low interest card has a fixed APR, your rate will, for the most part, remain the same. The credit card company may still change the fixed APR rate, but they will notify you in advance. With a variable APR, the rate on your low interest card is typically linked to the national prime rate; when it changes, your rate may too. If you plan on carrying a balance, a fixed rate is often the best way to go. If you want to transfer a balance, see our collection of cards with 0 APR introductory rates on balance transfers.

If you plan to regularly pay off your balance before the end of the month, you may instead be interested in looking at rewards credit cards that charge slightly higher interest rates, but offer incentives, such as cash back, or airline miles.

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