Best Credit Card Rates

Selected by CardHub Editors from 1,000+ credit cards — Updated August 3, 2015

Though numerous types of interest rates apply to credit cards, this page focuses on the best credit card rates for purchases – a completely different segment of the market than the best balance transfer credit cards. In recent years, it has become common for credit card companies to offer 0% introductory APRs on new purchases for well over a year, and such deals have proven quite effective at reducing the cost of big-ticket purchases which take a few months to pay down. If such expenses are in your future, one of the cards showcased below will save you a lot of money.

These cards were selected out of more than 1,000 offers for their notably low interest rates. While advertising status played no role in our selection of these cards, certain sponsored offers may be included. When comparing your options, make sure to consider both the length of a card’s intro term and its regular interest rate. A credit card calculator is very helpful in this regard.

excellent Credit

Citi® Diamond Preferred® Card

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  • Purchase intro APR 0% for 21 months
  • Transfer intro APR 0% for 21 months
    Transfer Fee: 3% (min $5)
  • Regular APR 11.99% - 21.99% (V)
  • Annual Fee $0*
  • Rewards None

The Citi Diamond Preferred Card offers the longest 0% introductory term on the credit card market, at 21 months. While the 0% rate applies to balance transfers as well as new transactions, it’s best suited for the latter purpose given its 3% balance transfer fee. To maximize this card’s value, use a credit card calculator to determine the monthly payments you’ll need to make in order to pay off your balance before regular rates begin to eat away at your savings.

Capital One® Platinum Prestige Credit Card

  • Purchase intro APR 0% until September 2016
  • Transfer intro APR 0% until September 2016
    Transfer Fee: 3%
  • Regular APR 10.9% - 20.9% (V)
  • Annual Fee None
  • Rewards None

Best for Financing. The Capital One Platinum Prestige Card offers straightforward value to consumers who have good credit standing and wish to minimize the cost of big-ticket purchases they will not be able to pay off within a single billing period. It does so by offering 0% interest until September 2016 and not charging an annual fee. While the Prestige Card doesn’t offer cash back, points, or miles, anyone who has used this card in conjunction with a credit card calculator to evade finance charges will tell you that it is plenty rewarding.

Chase Slate®

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  • Purchase intro APR 0% for 15 months
  • Transfer intro APR 0% for 15 months
    Transfer Fee: None
  • Regular APR 12.99% - 22.99% (V)
  • Annual Fee None
  • Rewards None

Best for Balance Transfers. The Slate Card is what's known as a free balance transfer credit card, as it offers a 0% introductory rate and charges neither a balance transfer fee (for the first 60 days) nor an annual fee. These unusually attractive terms stand to save the average consumer as much as $1,000 in fees and finance charges. A credit card calculator can give you a more exact sense of how valuable the Slate Card will be in your particular situation.

good Credit

Capital One® Platinum Prestige Credit Card

  • Purchase intro APR 0% until September 2016
  • Transfer intro APR 0% until September 2016
    Transfer Fee: 3%
  • Regular APR 10.9% - 20.9% (V)
  • Annual Fee None
  • Rewards None

Best for Financing. The Capital One Platinum Prestige Card offers straightforward value to consumers who have good credit standing and wish to minimize the cost of big-ticket purchases they will not be able to pay off within a single billing period. It does so by offering 0% interest until September 2016 and not charging an annual fee. While the Prestige Card doesn’t offer cash back, points, or miles, anyone who has used this card in conjunction with a credit card calculator to evade finance charges will tell you that it is plenty rewarding.

Capital One® VentureOne® Rewards Credit Card

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  • Purchase intro APR 0% until July 2016
  • Transfer intro APR N/A
  • Regular APR 11.9% - 21.9% (V)
  • Annual Fee None
  • Rewards Rate 1.25 miles / $1
  • Rewards Bonus 20,000 miles

While the VentureOne Rewards Card isn't quite as rewarding as Capital One's flagship Venture Card -- offering 20k bonus miles vs 40k, and 2 miles/$1 vs. 1.25 -- it's not quite as expensive either, having no annual fee compared to the Venture Card's $59 charge that kicks in during the second year. This card also provides an extended 0% introductory term for purchases, enabling cardholders to leave their would-be payments in the bank for longer. It is a very solid option for people with good credit.

fair Credit

Capital One® QuicksilverOne® Cash Rewards Credit Card

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  • Purchase intro APR 0% until April 2016
  • Transfer intro APR 0% until April 2016
    Transfer Fee: None
  • Regular APR 22.9% (V)
  • Annual Fee $39
  • Rewards Rate 1.5% Cash Back
  • Rewards Bonus None

Best for Rewards. Capital One's QuicksilverOne Cash Rewards Card offers the absolute best rewards-earning option available to people with fair credit. It boasts a straightforward rewards program, offering 1.5% cash back across all purchases, which will easily overcome its $39 annual fee for users who make most of their purchases with plastic. 1.5% cash back across the board is equivalent to what people with excellent credit get from the best rewards cards on the market. In addition, a 0% introductory interest rate on new purchases until April 2016 makes the QuicksilverOne Card a great way to avoid interest on big-ticket purchases as well.

limited Credit

Capital One® QuicksilverOne® Cash Rewards Credit Card

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  • Purchase intro APR 0% until April 2016
  • Transfer intro APR 0% until April 2016
    Transfer Fee: None
  • Regular APR 22.9% (V)
  • Annual Fee $39
  • Rewards Rate 1.5% Cash Back
  • Rewards Bonus None

Best for Rewards. Capital One's QuicksilverOne Cash Rewards Card offers the absolute best rewards-earning option available to people with fair credit. It boasts a straightforward rewards program, offering 1.5% cash back across all purchases, which will easily overcome its $39 annual fee for users who make most of their purchases with plastic. 1.5% cash back across the board is equivalent to what people with excellent credit get from the best rewards cards on the market. In addition, a 0% introductory interest rate on new purchases until April 2016 makes the QuicksilverOne Card a great way to avoid interest on big-ticket purchases as well.

Discover it® Credit Card for Students

For College Students

  • Purchase intro APR 0% for 6 months
  • Transfer intro APR N/A
  • Regular APR 12.99% - 21.99% (V)
  • Annual Fee None
  • Rewards Rate 1 - 5% Cash Back
  • Rewards Bonus None

BankAmericard® for Students Credit Card

For College Students

  • Purchase intro APR 0% for 15 months
  • Transfer intro APR 0% for 15 months
    Transfer Fee: 3%
  • Regular APR 10.99% - 20.99% (V)
  • Annual Fee None
  • Rewards None

Best for College Students. It’s rare for a student credit card to offer terms comparable to the best credit cards on the market, but the 15-month 0% intro term that the Student BankAmericard provides on new purchases is only three months shorter than the longest 0% period on the market. This card is therefore a great option for students who will need additional time to pay off significant upcoming expenses. While the 0% rate applies to balance transfers as well, that’s not as notable as you might think given its 3% balance transfer fee and the fact that it’s hard for students to rack up enough credit card debt to warrant a balance transfer.

bad Credit

Unfortunately, there are no 0% APR credit cards for people with bad credit. Below is the best secured credit card for people with bad credit.

Capital One® Secured MasterCard®

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Secured Card

  • Min Deposit $49, $99 or $200
  • Annual Fee None
  • Monthly Fee None
  • One-Time Fees None
  • Regular APR 24.9% (V)

Best Partially Secured Card. The Capital One Secured MasterCard does not charge an annual fee and the fact that it can be a partially-secured card makes it quite an attractive option for many consumers. With a partially-secured credit card, your credit line may exceed the amount of your security deposit, thereby providing you with an emergency line of credit, if needed, and enabling you to maximize your available credit. The more credit you have available, the faster your credit standing will improve. The Capital One Secured MasterCard Credit Card is therefore an option that at least merits consideration if you have bad or limited credit.

Unfortunately, there are no 0% APR credit cards for people with bad credit. Below is the best unsecured credit card for people with bad credit.

Credit One Bank® Credit Card with Gas Rewards

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  • Annual Fee $35 - $99
  • Monthly Fee None
  • One-Time Fees None
  • Regular APR 17.90% - 23.90% (V)*

Expert Answers

Should I get the longest 0% APR period possible?

By: Ross Garner

Assuming you will pay off your balance in full by the end of the introductory period, most definitely yes. If you will not be able to do so, an offer's regular rate must also be part of your consideration. So keep practical payment time frames in mind when comparing credit card rates, and use a payment calculator to find out how long it will take you to pay down your debt.

What if I pay my bill in full every month?

By: Ross Garner

If you pay your bill in full every month, interest rates are of no concern to you and you should get the best rewards credit card possible. However, if you will be making some significant purchases which will result in an end-of-month balance, finding the lowest credit card rates is advisable.

Community Discussion

Ask a question or help others find the best credit card rates by sharing some tips.

Jun 11, 2015
Photo of Eric A.
Jun 11, 2015
My credit is only fair so I really have only one choice from this page. Luckily the Capital One Quicksilver One card is still good card. At least I get my 0% APR, which is an excellent feature that I really wanted, but only until March 2016. My annual fee is only about 40 bucks. I'm glad that I do get some cash back rewards even though the maximum is only 1.5 percent which is still a good deal for me. It was a pretty easy process to get one of these cards and if you need something similar I recommend this.
May 23, 2015
Photo of Tina B.
May 23, 2015
My best credit card rate comes from the Citi Double Cash card. I get 0% APR for a year and there's no annual fee. In addition to the low APR I get 2% cash back on every purchase, so I use this card for nearly every purchase. Once the introductory period is over, my APR will be about 12%, which is low for a card that provides cash back. I'll pay off the full balance every month so I don't incur any fees, so I'm not worried about the APR anyway. This is a great card for anyone who pays off their monthly bill in full every time. I highly more
May 13, 2015
Photo of Joe M.
May 13, 2015
I have found that the Capital One Platinum Prestige Card has been amazing due to its 0% APR. I personally like to use these cards, because I have found the deferred interest to be an amazing way to use credit, but you must make absolutely certain that you pay off your balance before the time period or else you risk extraordinarily high interest rates that have been compiling for months. Make sure you read the fine print when it comes to deferred interest. Also this card is great for someone with good credit.
May 12, 2015
Photo of Willaim F.
May 12, 2015
I've recently acquired the Capital One QuiksilverOne Cash Rewards Card. I needed to get one because you never know what could happen in this day and age. My credit wasn't the worst or the best. If your like me you should check out this card. It does have an annual fee, but it has 0% interest until January 2016 so if you need that nice flat screen, now would be the time. I plan on building my credit up with this card. I've already thought of the "masterplan". A great card, for not so great credit.
Apr 28, 2015
Photo of Justin S.
Apr 28, 2015
The discover IT card is the best card for low interest purchases, because it offers money back for each purchase. I use this card for all my main purchases.
Apr 28, 2015
Photo of Mitch D.
Apr 28, 2015
The Citi Diamond Preferred Card is the best card for low interest rates on new purchases if you can get it. It has 0 interest for 21 months, try topping that! And even after that expires you still have a pretty good interest rate.
Apr 25, 2015
Photo of Laura H.
Apr 25, 2015
The Discover It card for Students is the best for those with limited history. There's no annual fee, the rewards offered are reasonable, and this card is easy to qualify for as a first-time credit card holder.
Mar 31, 2015
Photo of Neekolaus W.
Mar 31, 2015
I think the Discover It credit card is the best for students that have not really built up a credit just yet. It also has no annual fee and a low APR. I have been using it for a little over a year and I benefit from it every month. It also has a cash allowance that allows you to pull money out of an ATM. I have had only the best customer service from them as well. Another thing that is cool about this card is that it allows you to opt in for cash back options on top of being a great card all around.
Jan 21, 2015
Photo of Cobra M.
Jan 21, 2015
think that the Chase Slate is a good card. It had a great number of benefits. One is that the credit line is very good. Also their interest rate is very affordable and easy to work with. Another thing is the online chase paying option. The chase bank online website is very secure and has a beautiful structure and layout. The card is very beautiful in design and is small and easy to put in your wallet. I really like the option the most that this credit card is made for people with only excellent credits so it won't be easy to counterfeit. Overall this a very good credit card.
Jan 16, 2015
Photo of Judy W.
Jan 16, 2015
I think the Capital One Platinum Prestige Credit Card is a good card. Regular APR: 10.9% - 18.9% is a lot better than some of the other ones and there's no annual fee. There's no rewards, but your APR is lower. This card now has a Purchase Intro APR: 0% until March 2016. That is a really good deal for people now. It offers value to consumers who have a good credit standing and keeps the cost of big ticket purchases that they can't pay in a single billing period down. It is over all a good value because it keeps your finance charges down.
Dec 18, 2014
Photo of Jake P.
Dec 18, 2014
The Citi Diamond Preferred, hands down, one of the best credit cards you can get.

Zero Intro interest for over a year is a huge deal. As long as you're responsible it's a great way to leverage your credit to purchase things without any additional cost. It's also a great way to build credit without incurring more interest than you would have to otherwise.

After that you have a variable rate which generally stays low. It also comes packed with other features.

But for Low Interest Rates on New Purchases you're not going to do better and when that finally ends, you have an amazing card anyways. more
Nov 28, 2014
Photo of Joe M.
Nov 28, 2014
The Chase Slate Card is a wonderful credit card if you have the credit to back it up. Keeping a flawless credit is an important aspect of the financial marketplace, and the Slate Chase Card can help you maintain a great credit score, with extremely low interest rate, extremely versatile and innovative banking features, as well as rewards and low fees to boot. If you want an extremely low APR this is a great card to get. Chase is also a great bank, they provide innovative banking measures to create a really amazing experience.
Nov 19, 2014
Photo of John B.
Nov 19, 2014
The Discover credit card for student is a great credit card for those making to make a big new purchase. For the first six months you have no interest, that's pretty hard to beat. Top onto that top notch customer service and terms once the intro period (again, six months) and you have yourself a winning combination.
Oct 22, 2014
Photo of Chelsea B.
Oct 22, 2014
I've used the Capital One VentureOne card for 2+ years now and absolutely love it. Not only is the 0% introductory APR great, but it is a great rewards card for those who want to travel. After using the VentureOne card (no annual fee) for just over a year, I switched to the Venture card with an annual fee, but 2% travel rewards on all purchases. It has worked out great for me so far... have been able to take some great trips!
Oct 22, 2014
Photo of Julie C.
Oct 22, 2014
I recently applied for and was granted the Capital One Platinum Prestige Card. I am very excited that I now have this card. For the first fifteen months there is a 0% APR on all purchases. After the introductory period it will remain low, around 14.9%. There is no annual fee. I did my research and have found that this is one of the most sought after cards because of the low interest fees. Not everybody will be eligible for this card, but I highly suggest you apply if you feel like your credit score is high enough.
Sep 6, 2014
Photo of Joanna F.
Sep 6, 2014
The Capital One QuicksilverOne Cash Rewards Credit Card is the best credit card that I have ever had. It allows me to make purchases and get 1.5% back on everything. The best part is the 0% apr on any purchase until May 2015. The 0% apr can really help if you need to make a big purchase as well. I think that they have the best customer service and are always friendly and nice.
Sep 5, 2014
Photo of Brendan M.
Sep 5, 2014
Navy Federal Platinum is by far the best card. A set 7.99% APR, no annual fee, and generous credit limit are the three stand outs for this card. There are not enough positive things I can say about NFCU, their credit card is no different. Awesome customer service, issues handled promptly, always actually working for you not just to get your money.
Aug 27, 2014
Photo of Matt M.
Aug 27, 2014
The BankAmericard® for Students Credit Card is an excellent choice with the 15 month 0% interest rate. I recently used this card and was able to save a good amount of money because of the excellent rate. I highly recommended this to a couple of my friends who were looking for a similar type card recently. If you are a student then this is the card you are looking for.
Jul 21, 2014
Photo of Michael N.
Jul 21, 2014
After reviewing all of the credit cards, I have decided upon the DiscoverIt card for students for it's 6 months free of APR and subsequent 12.99% APR. I am a student, so this would be the most beneficial to me as a borrower. This would be most beneficial to me in purchasing my new college textbooks, and not having to worry payments for, at most 6 months. I value this cards details because it is helping students gain the materials and equipment needed for a successful career outlook. Now that I'm familiar with this card option, I will keep it as my last resort option if I'm ever low on more
May 21, 2014
Photo of Marci D.
May 21, 2014
The Capital One QuicksilverOne Cash Rewards card is the best low interest card I've ever had. In my opinion, they have the best rewards that I've seen thus far. I'm constantly using this card when I go to the grocery store and run various errands. The cashback feature is absolutely amazing when I'm doing a lot of shopping. I'm spending money, but also receiving cash back all at the same time. I honestly have no complaints or negative things to say about this card. The customer service department was very effective, professional and respectful when I had to call. I'm very impressed with this card overall!
May 21, 2014
Photo of Andy F.
May 21, 2014
I'm not sure what it is, but capital one has consistently provided me with the best customer service with all cards I have used with them. Their staff is very kind and helpful, and is always willing to help with any question or concerns I have. There are a ton of interesting features with this card, though honestly not all of them are really totally useful. It is nice to get rewards for new purchases, but I would prefer a larger amount of cash back/rewards opportunities. I have noticed that the first time purchase bonuses do not always work correctly in their system, but calls to customer service have always more
Mar 31, 2014
Photo of Dawniel T.
Mar 31, 2014
The best credit card I have had personal experience with is the Discover It card. You don't need a long credit history for this card and they do annual increases to your credit limit. As long as you make your payments on time every month you will get increases and they add up quickly. An initial 0% interest rate allows you to learn all the basics for credit cards and money management. The discover rewards are great because you get 1% on everything you buy and then they run quarterly promotions for various things like, restaurants, gas, movies, department stores, vacation etc that you can earn 5% cash back on. more
Mar 26, 2014
Photo of Casi D.
Mar 26, 2014
When it comes to the best credit card rates, one of the first things you should do is contact your current credit cards and simply ask for a lower rate! The Discover It card for students has been amazing and very useful for establishing credit. It helped me get all the materials I needed while I was in college. I enjoy their cash back rewards and the fact that they have no annual fees.
Mar 25, 2014
Photo of Alex L.
Mar 25, 2014
The best card in my opinion for a low introductory rate is the Citi Forward Card. There are also other benefits to the card, in addition to the 0% APR for the first six months. They have great rates for someone who is young and just starting to build their already decent credit. Other examples of benefits with this card include the Citi Thank You Points system, which makes it VERY easy to earn and redeem points. They have a partnership with Amazon that lets you redeem your points for purchases quickly and without hassle. Their travel section lets you redeem points for part or all of your travel. And more
Mar 23, 2014
Photo of Rachel D.
Mar 23, 2014
I have the Capital One Platinum Prestige Credit Card. The intro APR really can't be beat--I got a whole year of 0% interest! It's been great to use the card and build a relationship with the company while not having to worry about racking up huge amounts of interest. I'm glad that there's no annual fee (I hate those!) and the interest rates after the introductory period are really reasonable, so I doubt I'll want to close the card after the 0% interest runs out. I'm glad I got it!
Jan 15, 2014
Photo of Charles M.
Jan 15, 2014
The Capital One Venture Rewards credit card is amazing if you want low interest rates and decide to do a lot of travel. It has 0 APR and no annual fee which makes it easy to use and easy to get adjusted to.
Jan 15, 2014
Photo of Amy M.
Jan 15, 2014
The Capital One Venture One Rewards Credit Card is a very good card if you travel a lot.I have had this card for a long time.It offers a great interest rate and has 0 APR until December 2014 and no annual fee i would certainly recommend it.
Jan 9, 2014
Photo of Rheannon L.
Jan 9, 2014
The BankAmericard is best for students making new purchases. With one of the longest intro APR periods and availability for students making new purchases with limited history in credit purchases, it really helped me out as a college student when buying my first car and getting furniture for my apartment.
Jan 3, 2014
Photo of John D.
Jan 3, 2014
In my view the Discover it for Students is the best card here. I got this card when I was in college. I did not have much credit history, but I was approved. I got a fairly good interest rate and the payments have always been reasonable. I used it to buy all my books and school supplies, and made low monthly payments over the course of the school year. I was able to track everything easily using the card's website. I think this card is great, and recommend it as anyone's first card.
Nov 27, 2013
Photo of Bambi J.
Nov 27, 2013
I have the Chase Slate Card and I am a huge fan. The card has a 0% introductory purchase APR of 0% for 15 months which is one of the best zero interest introductory offers out there. It also has a decently competitive regular APR and no annual fee. If balance transfers are what you're interested in, they have an introductory offer of 0% APR for 15 month on balance transfers and as long as you keep your account in good standing they will offer new balance transfers periodically through out the year. In addition to the regular card benefits, Chase Slate also offers some payment planning features that can more
Nov 27, 2013
Photo of Joseph G.
Nov 27, 2013
When I was in college, the photography bug bit me and I was head over heels in love with the hobby. All i could imagine doing was clicking some great snaps with a DSLR and looking like a pro. That's when I decided to go for the BankAmericard for students. 15 months 0% intro term meant a lot to me as i would not only be able to repay the loan for the camera, but I could also save money to get a telephoto lens of my choice. The zero annual fee was an attraction to me as well as the low rates on balance transfers!
Nov 20, 2013
Photo of Eva M.
Nov 20, 2013
The Citi Dividend Platinum Select Card for College Students. I have used this card for two years now and I haven't had one problem with this card. This card gives you the option of 15 months too pay off the balance of your card with zero percent interest rates the first year. I have no problem using this card anywhere I need to. I also use this card online too pay most of my bills. Overall this credit card is a good card too have in your wallet.
Nov 20, 2013
Photo of Scott B.
Nov 20, 2013
I use the Capital One Platinum Prestige card. I have fairly good credit, so I like that it has a low introductory APR for new purchases. And the BEST part is the 0% interest for the first year (looks like 15 months actually) so you have a full year to pay off your balance. I like this because I can take a little extra time if I need to pay off my balance without worrying about interest piling up.
Nov 20, 2013
Photo of Allen M.
Nov 20, 2013
BankAmericard for students’ credit card is great if you are looking for an extended period of no interest but you have a limited history because you are just starting out or are a student. There is no rewards program which is slightly disappointing but its other features make up for all that. The introductory offer of 15 months of no interest will allow you enough time to pay off any large purchase without having to pay a cent in interest. Also once that period ends the card is still good to have because there isn’t an annual fee and the regular APR is decent. This card is much better than more
Nov 16, 2013
Photo of Joseph G.
Nov 16, 2013
I have the Platinum Prestige Card from Capital One. Bought it almost 7 months ago and I have 0% APR on purchases and balance transfers till Feb 2015, which is a good 10 months of interest free shopping! I love the $0 fee on foreign transactions as I quite often send money to my brother. Moreover, Capital One is renowned for their customer service and quick response. Overall, the Platinum Prestige is the best deal out here!
Nov 4, 2013
Photo of James C.
Nov 4, 2013
The best credit card in my opinion is Discover it for Students. When I am in school, I use it to purchase books and materials that I need. Such as pens, notebook, paper and binders. There is no Annual Fee which that makes a plus because I do not have to spend money on the fee. When I first received this card, I have got no APR for the first six months when using this credit card. Paying monthly bills is very simple because the website tells you exactly what you have to do and it is very easy. Overall I am very happy with this credit card and I more
Oct 22, 2013
Photo of Paul L.
Oct 22, 2013
I had a City Simplicity Card for several years. I had a year and a half during which I was not charged any interest, both on purchases and on a balance I transferred. After that, my rate was 12.99 percent, which was the best I'd seen on a credit card to that point. With no annual fee, either, this made the card fairly economical to use. There were also no late fees for those few times after my introductory period that I was a week or two late in making my payment. All in all, this was a great card to have.
Oct 18, 2013
Photo of Yongha G.
Oct 18, 2013
The GM Card by Capital One Is a fantastic card for anyone with interest in Chevrolet, Buick, GMC, or Cadillac offerings. Low interest rates and fantastic rewards points on purchases quickly add up to nice bonuses towards your vehicle purchases. I was able to rack up $1,000 in bonuses just from transitioning my normal spending onto the GM Card. 24 hour online global services come with the card and their always available customer service is top notch.
Oct 18, 2013
Photo of Kristie B.
Oct 18, 2013
The best credit card that offers the lowest interest on purchases for me is the GM Card. Not only do you earn money on the purchases you make, but you also are able to save big on the first purchases you make. Your first 12 months are at 0% APR and after that it is as low as 12% depending on your credit worthiness. Great support, great people, and great help.
Sep 20, 2013
Photo of Andrea T.
Sep 20, 2013
The Citi Simplicity credit card is a great option for anyone looking for low or 0% APR on new purchases and balance transfers. For the first 18 months, the APR is 0%, after which the APR rises but based on your credit. There are also no annual fees or late fees. Citi also offers 24 hour customer support.