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Low Interest Citibank Credit Cards

low interest citibank credit cards

Expand your search beyond Citicards with Low Interest Rates

While there tend to be at least a few low interest Citicards available at any given time, there are a couple of things to be aware of before applying for one. First of all, you should only worry about having a low regular APR if you pay your bill in full most (but not all of) the time. People who always pay their monthly bills in full do not pay finance charges and should therefore be focused on rewards. On the other hand, people who are routinely unable to pay their bills would find a 0% credit card more worthwhile. Even if a low interest credit card is right for you, there’s little reason to focus solely on low interest Citibank credit cards. Sure, Citi is the third largest U.S. credit card issuer in terms of outstanding balances and is therefore popular among consumers, but finding the lowest APR on the market is more important than getting a card from a particular issuer, no matter how much people seem to like it. We therefore recommend comparing low interest Citi credit cards to low interest credit card offers from other major issuers in order to apply for the card that will save you the most money during months that you cannot pay your credit card bill in full.

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    Citi Simplicity® Card

    Low Interest Credit Card Application from Citibank
    Rates:
    • 0% on Purchases 18 months
    • 0% on Transfers 18 months ;   Fee.....3% (min $5)
    • Regular Rate 12.99% - 21.99% (V)
    Annual Fee $0*
    Rewards None
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    2.5

    Citi ThankYou® Card

    thank you credit card
    Rates:
    • 0% on Purchases 15 months
    • 0% on Transfers 15 months ;   Fee.....3% (min $5)
    • Regular Rate 12.99% - 22.99% (V)
    Annual Fee $0*
    Rewards Points
    Initial Bonus None
    Base Earn 1 point / $1
    Max Earn 1 point / $1
    • Earn 1 ThankYou Point for every $1 you spend on purchases.
    • Enjoy no limit on the number of points you can earn.
    • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more.

     
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    3.5

    Citi ThankYou® Preferred Rewards Card

    citi thank you preferred credit card
    Rates:
    • 0% on Purchases 12 months
    • 0% on Transfers 12 months ;   Fee.....3% (min $5)
    • Regular Rate 12.99% - 22.99% (V)
    Annual Fee $0*
    Rewards Points
    Initial Bonus 15,000 points
    Base Earn 1 point / $1
    Max Earn 1 point / $1
    • Earn 15,000 bonus ThankYou Points after $1000 in card purchases within 3 months of account opening – enough for $150 in gift cards or other great rewards!
    • Earn 1 ThankYou Point for every $1 you spend on all purchases.
    • Earn extra points when you shop through the ThankYou® Bonus Center, a network of 600+ retailers you know and love.
    • No expiration and no limit on the points you can earn.
    • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more.

     
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    4

    Citi® Diamond Preferred® Card

    Credit Card of Citi Preferred
    Rates:
    • 0% on Purchases 18 months
    • 0% on Transfers 18 months ;   Fee.....3% (min $5)
    • Regular Rate 11.99% - 21.99% (V)
    Annual Fee $0*
    Rewards None
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    4

    Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back

    0 Credit Card from VISA Citibank
    Rates:
    • 0% on Purchases 12 months
    • 0% on Transfers 12 months ;   Fee.....3% (min $5)
    • Regular Rate 12.99% - 22.99% (V)
    Annual Fee $0*
    Rewards Cash Back
    Initial Bonus $100
    Base Earn 1%
    Max Earn 5%
    • $100 cash back after $500 in purchases within the first 3 months of account opening.
    • Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment.
    • Enroll at no additional cost each quarter for new categories that earn additional cash back.
    • Full 1% cash back on all other purchases and eligible cash advances.

     
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    We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Certain offers originate from paying advertisers, and this will be noted on a card’s details page, when applicable.

    Before you apply for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Low Interest Citibank Credit Cards shown on this page.