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Best Credit Card Rates

Last update: Jun 30, 2015

best credit card deals 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 Best Credit Card Rates for Excellent Credit
Citi® Diamond Preferred® Card

citi diamond preferred card Apply Now

  • Purchase Intro APR: 0% for 21 months
  • Regular APR: 11.99% - 21.99% (V)
  • Annual Fee: $0*
  • Rewards: None
  • Editor's Notes: 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 balancemore
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Capital One® Platinum Prestige Credit Card

capital one platinum prestige

  • Purchase Intro APR: 0% until September 2016
  • Regular APR: 10.9% - 20.9% (V)
  • Annual Fee: None
  • Rewards: None
  • Editor's Notes: Best for Financing. The Capital One Platinum Prestige Card offers straightforward value to consumers who have good credit standing anmore
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Chase Slate®

chase slate Apply Now

  • Purchase Intro APR: 0% for 15 months
  • Regular APR: 12.99% - 22.99% (V)
  • Annual Fee: None
  • Rewards: None
  • Editor's Notes: Best for Balance Transfers. The Slate Card is what's known as a free balance transfer credit card, as it offers a 0% introductory ratmore
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Good Credit Best Credit Card Rates for Good Credit
Capital One® Platinum Prestige Credit Card

capital one platinum prestige

  • Purchase Intro APR: 0% until September 2016
  • Regular APR: 10.9% - 20.9% (V)
  • Annual Fee: None
  • Rewards: None
  • Editor's Notes: Best for Financing. The Capital One Platinum Prestige Card offers straightforward value to consumers who have good credit standing anmore
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Capital One® VentureOne® Rewards Credit Card

capital one ventureone Apply Now

  • Purchase Intro APR: 0% until June 2016
  • Regular APR: 11.9% - 21.9% (V)
  • Annual Fee: None
  • Rewards: Miles
    • Bonus: 20,000 miles
    • Base Earn: 1.25 miles / $1
    • Max Earn: 1.25 miles / $1
  • Editor's Notes: 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 vmore
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Fair Credit Best Credit Card Rates for Fair Credit
Capital One® QuicksilverOne® Cash Rewards Credit Card

quicksilverone rewards Apply Now

  • Purchase Intro APR: 0% until March 2016
  • Regular APR: 22.9% (V)
  • Annual Fee: $39
  • Rewards: Cash Back
    • Bonus: None
    • Base Earn: 1.5%
    • Max Earn: 1.5%
  • Editor's Notes: Best for Rewards. Capital One's QuicksilverOne Cash Rewards Card offers the absolute best rewards-earning option available to people more
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Limited History Best Credit Card Rates for Limited History
College Students
Discover it® Credit Card for Students

discover it for students

  • Purchase Intro APR: 0% for 6 months
  • Regular APR: 12.99% - 21.99% (V)
  • Annual Fee: None
  • Rewards: Cash Back
    • Bonus: None
    • Base Earn: 1%
    • Max Earn: 5%
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BankAmericard® for Students Credit Card

bank of america student platinum plus visa credit card

  • Purchase Intro APR: 0% for 15 months
  • Regular APR: 10.99% - 20.99% (V)
  • Annual Fee: None
  • Rewards: None
  • Editor's Notes: 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 more
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Non-College Students
Capital One® QuicksilverOne® Cash Rewards Credit Card

quicksilverone rewards Apply Now

  • Purchase Intro APR: 0% until March 2016
  • Regular APR: 22.9% (V)
  • Annual Fee: $39
  • Rewards: Cash Back
    • Bonus: None
    • Base Earn: 1.5%
    • Max Earn: 1.5%
  • Editor's Notes: Best for Rewards. Capital One's QuicksilverOne Cash Rewards Card offers the absolute best rewards-earning option available to people more
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Bad Credit Best Credit Card Rates for Bad Credit
Secured Card

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®

capital one secured credit card Apply Now

  • Min Deposit: $49, $99 or $200
  • Annual Fee: None
  • Monthly Fee: None
  • One-time Setup Fees: None
  • Regular APR: 24.9% (V)
  • Editor's Notes: Best Partially Secured Card. While the Capital One Secured MasterCard charges a higher annual fee than certain other cards in its clamore
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Unsecured Card

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

credit one credit card Apply Now

  • Annual Fee: $35 - $99
  • Monthly Fee: None
  • One-time Setup Fees: None
  • Regular APR: 17.90% - 23.90% (V)*
  • Learn More »
About our Editor's Picks

Our editors' recommendations for the Best Credit Card Rates are a reflection of their own subjective opinions, and they should not be relied upon as the sole basis for choosing your credit card. We work hard to present you with the most accurate credit card information, however, the credit card terms and conditions do not originate from us and thus we do not guarantee the accuracy of the information. Before applying for a credit card we recommend that you verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences.

Ad Disclosure: Certain offers originate from paying advertisers, and this will be noted on a card's details page using the designation "Sponsored Card", where applicable. Advertising status does not affect which cards show up on this page but may impact the order in which they appear. At CardHub we try to list as many credit card offers as possible and currently have more than 1,200 offers, but we do not make any representation of listing all available offers.

Ask our Experts
EXPERT’S ANSWERS

Should I get the longest 0% APR period possible?

By: Ross GarnerAssuming 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 GarnerIf 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

Help others find the best credit card by sharing what your deciding factor was when choosing your card (customer service, interest rate, fees, convenience, rewards, etc.)

 
Jun 11, 2015
By:
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
By:
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 recommend this card. You can't get anything better than 2% cash back on every purchase.
May 13, 2015
By:
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
By:
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
By:
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
By:
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
By:
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
By:
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
By:
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
By:
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
By:
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.
Nov 28, 2014
By:
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
By:
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
By:
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
By:
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.
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