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Search results: Low Interest Cards


Find the best Low Interest Cards credit cards.

Bankrate.com makes finding, comparing, and applying for a credit card an easy process!
Below you will find a listing of some of the most popular credit cards in this category.
Some cards may feature low introductory rates, low fixed/variable APRs, rewards and more.
For more detailed information or to apply online, simply click the "Apply Now" button.

Capital One® No Hassle Cash(SM) Rewards - Excellent Credit



    • 2% cash back on gas and groceries
    • 1% cash back on all other purchases
    • No limit on the cash you can earn and cash won't expire
    • Redeem cash rewards for statement credit, check or gift card
    • Get your cash back whenever you want, even set up automatic redemption
    • 0% APR on purchases until January 2011
    • No foreign transaction fees
    • No annual fee

Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
0% on purchases until January 2011 14.90% (V) None Yes Excellent

Discover® More(SM) Card



    • Earn more cash in more ways than anyone else(SM)
    • Unlimited cash rewards, automatically
    • Up to 20% Cashback Bonus® when you shop online
    • Double rewards with more than 100 Cashback Bonus Partners
    • Customer Service in less than a minute, anytime you want
    • 0% Intro APR for 6 months on Purchases, and up to 12 months on Balance Transfers*

Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
0%* 12 Months* 11.99% - 19.99%* None Yes Good

Miles by Discover® Card



    • 12,000 Bonus Miles – 1,000 Miles each month you make a purchase for the first 12 months
    • Double Miles on up to $3,000 in travel and restaurant purchases each year
    • Book any travel, anytime with no blackout dates or restrictions
    • 1 Mile for every $1 on all your other purchases
    • Unlimited Miles that never expire
    • No Annual Fee
    • Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash starting at just 1,000 Miles

Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
0%* 6 Months* 11.99% - 19.99%* None Yes Good

Citi® Platinum Select® Card



    • 0% APR* on balance transfers and purchases for up to 12 months
    • No annual fee
    • Citi® Identity Theft Solutions
    • $0 Liability on unauthorized purchases
    • Secure, free online account management
    • Extra Cash from Citi: enjoy significant discounts on gift cards, travel, merchandise and more.

Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
0% up to 12 months As Low As 11.99% (V) None Yes Good

Capital One® No Hassle Miles(SM) Ultra—For Professionals



    • 2 miles for every dollar spent on purchases
    • No limit on the miles you can earn and miles don't expire
    • No blackout dates and no seat restrictions
    • Use miles for Travel, Merchandise, Gift Cards and more
    • 0% APR on purchases until January 2011
    • No foreign transaction fees
    • Concierge services—from flowers to flights, have someone else do it for you
    • Fly FREE on any airline to any destination

Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
0% on purchases until January 2011 13.90% (V) $39 Yes Excellent

Capital One® No Hassle Miles(SM) Rewards



    • 1 mile per dollar spent on purchases up to $1,000 each month
    • 2 miles per dollar above $1,000 each month
    • No limit on the miles you can earn and miles don't expire
    • Redeem for Travel, Merchandise, Gift Cards and more
    • No blackout dates and no seat restrictions
    • Fly FREE on any airline to any destination
    • No foreign transaction fees
    • 0% APR on purchases until January 2011
    • No annual fee

Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
0% on purchases until January 2011 13.90% (V) None Yes Excellent

Discover® Motiva(SM) Card



    • Cash Rewards for your good credit management!
    • Get a Pay-On-Time Bonus(SM) equal to a full month’s interest every time you make 6 on-time payments in a row—twice a year, every year
    • 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
    • Up to 1% Cashback Bonus on all other purchases
    • Unlimited cash rewards
    • Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
    • 3.99% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers*

Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
3.99%* Up to 12 Months* 11.99% - 19.99%* None Yes Good

Slate(SM) from Chase



    • No annual fee
    • Designed to simplify your finances
    • Built to provide financial flexibility with Blueprint(SM)
    • Buy with confidence with patented fraud protection
    • Excellent credit required

Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
0% For up to 12 Months As low as 11.24% Variable None Yes Excellent

Blue from American Express(R)



    • 0% Intro APR for 6 months on purchases
    • No Annual Fee
    • Earn Membership Rewards(R) points for your everyday purchases, and enjoy fast and easy ways to earn and redeem so you can get the rewards you want now
    • Express Approval. Get a decision in less than 60 seconds.
Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
See Terms* See Terms* As Low As 15.24% No Annual Fee Yes Excellent

Discover® More(SM) Card - American Flag



    • Earn more cash in more ways than anyone else(SM)
    • Unlimited cash rewards, automatically
    • Up to 20% Cashback Bonus® when you shop online
    • Double rewards with more than 100 Cashback Bonus Partners
    • Customer Service in less than a minute, anytime you want
    • 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers*

Intro
APR		 Intro
Period		 Regular
APR		 Annual
Fee		 Balance
Transfer		 Credit
Needed
0%* 6 Months* 11.99% - 19.99%* None Yes Good

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Definitions
Credit cards: Enter up to 5 credit card accounts, one on each line.
Balance: Your current balance on your credit card.
Interest rate: The annual percentage rate you pay on this credit card. The rate you enter is used to calculate the interest on all future payments for the credit card. The length of time to payoff this credit card may be much greater than calculated if you enter a low promotional interest rate that is only fixed for short period of time.
Payment: This is your initial minimum monthly payment. Your minimum monthly payment is calculated as 2% of your current outstanding balance. While your actual minimum monthly payment may be slightly different, this is one of the most common methods used by credit card companies to calculate minimum payments.
Credit limit: This is the total amount of credit you have on this credit card. The optimizer will not allow you to have credit card balances that are over your credit limit.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Credit card definitions

Intro APR: The initial interest rate that is charged for a specified period of time.

Intro period: The period of time for which the introductory interest rate is in effect.

Regular APR: The interest rate charged after the introductory rate has expired.

Annual fee: The charge for use of a credit card levied each year, which typically ranges from $15 to $300 and is billed directly to the customer's monthly statement.

Balance transfer: Moving unpaid credit card debt from one issuer to another.

Credit needed: Terms for credit cards are granted to consumers based on their credit risk. Excellent credit consumers typically have lower interest rates compared with poor credit consumers. Credit card issuers assess risk based on the FICO score, the most commonly used credit score.

Credit card type: The category under which a card can be classified to help consumers identify relevant cards. For example, a consumer looking to transfer a balance from one card to another may want to look at cards in the Balance Transfer category.

Credit type: The category under which a card can be classified to help consumers identify relevant cards. For example, consumers with excellent credit may find the best card for their needs in the Excellent Credit category. Credit worthiness is determined by a consumer's FICO score, the most commonly used credit score.

Issuers: The financial institutions that issue credit cards and bills the customer for purchases made against the card account.

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Credit card tip
Never just pay the minimum. By paying the smallest amount of your bill instead of paying it off every month, you allow the card companies to make money off of you by charging interest. This also makes a charge more expensive.
Credit card tip
Pay your bill on time. If you don't pay your bill by the due date, you face late fees of up to $39, along with interest-rate hikes. Just being one day late on your payment could cause your 3 percent interest card to jump up to 22 percent or more in some cases.
Credit card tip
If you want a better rate, sometimes all you have to do is ask. If you are a good customer who pays on time and doesn't go over your credit limit, you card issuer wants to keep you as a client. Give them a call and see what they are willing to do for you.
Quality Assurance
Compare rate with confidence. Rates are accurate and available as of the date seen for Bankrate consumers. Identify yourself as a Bankrate consumer to get the Bankrate.com rate.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

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Best Low Interest Cards

Institution APR Fees & Conditions
Fifth Third Bank 3.25 More information
Suncoast Schools FCU 6.50 More information
Redstone FCU 7.00 More information
Amalgamated Bank of Chicago 7.25 More information
7.25 More information
About this table
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About this index
Credit Card Averages
Product Rate
Balance Transfer Cards 14.91%
Cash Back Cards 15.00%
All Variable 13.63%
Low Interest Cards 9.81%
Compare rates:  
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