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Best Credit Card Rates

Last update: Feb 25, 2015

best credit card deals While there are various types of rates associated with credit card offers, this page focuses on the best credit card rates for purchases, which is a completely different set of cards than the best balance transfer credit cards. It has become common for credit card companies to offer 0% introductory APR periods, which can be very helpful in lowering your interest costs. However, these offers differ based on intro period length as well as the regular interest rate. Compare the options listed below (some of which originate from CardHub advertising partners) in order to find the best credit card rate for you.

Excellent Credit Best Credit Card Rates for Excellent Credit
Citi Simplicity® Card

citi simplicity credit card Apply Now

  • Purchase Intro APR: 0% for 18 months
  • Regular APR: 12.99% - 22.99% (V)
  • Annual Fee: $0*
  • Rewards: None
  • Editor's Notes: The Citi Simplicity Card offers the longest 0% introductory period on the market, at 18 months. The 0% rate is applicable to both new purchases and bmore
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Capital One® Platinum Prestige Credit Card

capital one platinum prestige credit card Apply Now

  • Purchase Intro APR: 0% until May 2016
  • Regular APR: 10.9% - 18.9% (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: $0
  • 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 credit card Apply Now

  • Purchase Intro APR: 0% until May 2016
  • Regular APR: 10.9% - 18.9% (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 rewards credit card Apply Now

  • Purchase Intro APR: 0% until February 2016
  • Regular APR: 11.9% - 19.9% (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

capital one quicksilverone cash rewards credit card Apply Now

  • Purchase Intro APR: 0% until November 2015
  • 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 Apply Now

  • 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 Apply Now

  • 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

capital one quicksilverone cash rewards credit card Apply Now

  • Purchase Intro APR: 0% until November 2015
  • 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: $29
  • Monthly Fee: None
  • One-time Setup Fees: None
  • Regular APR: 22.9% (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)*
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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.)

 
Jan 21, 2015
By:

--Comment from Cobra Mustang--

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
By:

--Comment from Judy Workman--

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
By:

--Comment from Jake Peral--

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.
Nov 28, 2014
By:

--Comment from Joe Martin--

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
By:

--Comment from John Barrowton--

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
By:

--Comment from Chelsea Breza-Berndt--

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
By:

--Comment from Julie Curts--

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
By:

--Comment from Joanna Frasier--

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
By:

--Comment from Brendan La Magdeleine--

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
By:

--Comment from Matt Morgan--

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
By:

--Comment from Michael Nalley--

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 cash, and feeling in need.
May 21, 2014
By:

--Comment from Marci Dinero--

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
By:

--Comment from Andy Flory--

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 corrected this. Overall a great card though.
Mar 31, 2014
By:

--Comment from Dawniel Dudash Testa--

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. I also love that your rewards can go straight to your bill or you can redeem them through hundreds of stores online. Their website is very easy to use and I have never had a problem with customer service. They answer, they call you back, they email you back or the live chat is great too! I am a Discover card user and will always be one.
Mar 26, 2014
By:

--Comment from Casi Danielle--

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.
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