Credit Cards» Low Interest Credit Cards

Low Interest Credit Cards

  • What are low interest cards?
  • Who should get one?
  • What are some pros and cons?
  • Tips on low interest cards

What are low interest cards?

Think you're paying too much interest on your credit card balance? Low-interest credit cards from our partners offer competitive APRs, saving you cash each month on finance charges. These cards ease the burden of high-interest credit card payments and allow you to pay down the principal balance of your credit card debt faster.

Who should get one?

You'll have a better chance at qualifying for one of these cards if you have good to excellent credit. You may not qualify if your credit history has some blemishes.

Cards featuring low interest rates are an ideal option for individuals who typically carry a balance and want to keep their monthly interest payments low. Because many of these cards offer 0% APR introductory periods, they can also be useful for those who would like to slowly pay off a large purchase.

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What are some pros and cons?

Low interest cards come with competitive APRs. Many also offer 0% APR introductory periods. That makes these cards beneficial if you frequently carry a balance, or if you're planning to pay off a big purchase slowly. But because they come with a low interest rate, their perks are often not as comprehensive.

Tips on low interest cards

Take advantage of the 0% APR introductory period, which often lasts from 12 to 18 months. Doing so can help maximize the overall benefits of the card, allowing you to pay less interest on your spending habits.

In addition, make sure to compare terms and interest rates thoroughly to find the card that's right for your financial situation.

Use our list of offers to shop for low interest rate credit cards.

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Advertiser Disclosure

The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where and in what order products appear. This table does not include all companies or all available products. Bankrate does not endorse or recommend any companies.

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Capital One® VentureOne® Rewards Credit Card
on Capital One's
secure website
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • New! Earn 10 miles per dollar on hotels when you pay with your VentureOne card at hotels.com/venture; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.49%-23.49% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% Intro On Purchases
Intro APR
12 Months
Intro APR Period
N/A
Intro APR
N/A
Intro APR Period
13.49% - 23.49% Variable
$0
Excellent, Good
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Apply Now
Discover it® Cashback Match™
on Discover's
secure website
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn unlimited 1% cash back on all other purchases – automatically.
  • Intro Offer: Discover will match all the cash back earned at the end of your first year, automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • No annual fee.
|
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0%
Intro APR
14 Months
Intro APR Period
0%
Intro APR
14 Months
Intro APR Period
13.49% - 24.49% Variable
$0
Excellent/Good
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Apply Now
Blue Cash Everyday® Card from American Express
on American Express's
secure website
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.
|
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% On Purchases
Intro APR
15 Months
Intro APR Period
0% On Balance Transfers
Intro APR
15 Months
Intro APR Period
14.49%-25.49% Variable
$0
Excellent, Good
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Chase Freedom Unlimited®
on Chase's
secure website
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49-25.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% Intro APR On Purchases
Intro APR
15 Months
Intro APR Period
0% Intro APR On Balance Transfers
Intro APR
15 Months
Intro APR Period
16.49% - 25.24% Variable
$0
Excellent/Good
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Citi® Double Cash Card
on Citi's
secure website, or call
888-252-3753
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
N/A
Intro APR
N/A
Intro APR Period
0%
Intro APR
18 Months*
Intro APR Period
14.99% - 24.99%* Variable
$0*
Excellent/Good
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Apply Now
Chase Freedom®
on Chase's
secure website
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49-25.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% Intro APR On Purchases
Intro APR
15 Months
Intro APR Period
0% Intro APR On Balance Transfers
Intro APR
15 Months
Intro APR Period
16.49% - 25.24% Variable
$0
Excellent/Good
logo
Apply Now
Discover it®
on Discover's
secure website
  • Intro Offer: Discover will match all the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive Free Social Security number alerts— Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
|
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0%
Intro APR
6 Months
Intro APR Period
0%
Intro APR
18 Months
Intro APR Period
13.49% - 24.49% Variable
$0
Excellent/Good
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Citi ThankYou® Preferred Card
on Citi's
secure website
  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer*
  • After that, the variable APR will be 14.99% - 24.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0%*
Intro APR
15 Months On Purchases
Intro APR Period
0%*
Intro APR
15 Months On Balance Transfers
Intro APR Period
14.99% - 24.99%* Variable
$0*
Excellent Credit
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Apply Now
Wells Fargo Cash Wise Visa® Card
on Wells Fargo's
secure website
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 14.49%-26.49% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0%
Intro APR
12 Months
Intro APR Period
0%
Intro APR
12 Months
Intro APR Period
14.49%-26.49% Variable
$0
Excellent/Good
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Apply Now
Chase Slate®
on Chase's
secure website
  • $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future transactions is 5% of the amount transferred with a minimum of $5.
  • 0% Intro APR for 15 months on purchases and balance transfers. After that, 16.49% - 25.24% variable APR.
  • See monthly updates to your FICO® Score and the reasons behind your score for free
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee
Terms and Restrictions Apply
Purchases Balance Transfer Regular APR Annual Fee Credit Needed
0% Intro APR On Purchases
Intro APR
15 Months
Intro APR Period
0% Intro APR On Balance Transfers
Intro APR
15 Months
Intro APR Period
16.49% - 25.24% Variable
$0
Excellent/Good