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Low Interest No Annual Fee Credit Cards

low interest no annual fee credit cards

Low interest credit cards with no annual fee allow you to benefit from the perks of having a credit card without being saddled by fixed costs or costly finance charges, should you be unable to pay your bill in full in a given month. As you might have already noticed, this is a rather large genre, with low interest no annual fee credit cards targeted to people of all credit levels listed below. You can narrow down your options by selecting your credit level as well as any other appropriate filters on the left side of the page. In addition, it’s important to note that low interest credit cards are best for people who occasionally need the flexibility to not pay their credit card bills in full while also avoiding high interest rates. If you are routinely unable to pay your balance in full, you should utilize 0% credit cards as much as possible and work on spending only within your means. A credit card offering 0% on purchases and/or balance transfers could allow you to save much more money than a low interest no annual fee credit card, as long as you use it strategically and not as an excuse to rack up more debt. With that being said, once you identify the card you’d like to apply for--whether it’s one of the low interest credit cards with no annual fee listed here or not--click “Apply Now” and we will redirect you to the respective issuer’s secure online application.

Expand your search beyond No Annual Fee Credit Cards with Low Interest Rates

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    3.5

    Capital One® VentureOne® Rewards Credit Card

    capital one ventureone rewards credit card
    • 0% PURCHASES until April 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 11.9% - 19.9% (V)
    ANNUAL FEE None
    REWARDS Miles
    BASE EARN 1.25 miles / $1
    MAX EARN 1.25 miles / $1
    • Earn unlimited 1.25 miles on every purchase, every day.
    • Enjoy a one-time bonus of 20,000 miles once you spend $2,000 on purchases within the first 3 months, equal to $200 in travel.
    • Fly any airline, stay at any hotel, anytime.
    • Enjoy a low intro APR on purchases.
    • Travel when you want—no blackout dates.
    • Miles don’t expire.
    • No limit to the miles you can earn.

     
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    4

    Capital One® Quicksilver® Cash Rewards Credit Card

    capital one quicksilver cash rewards credit card
    • 0% PURCHASES until January 2015
    • 0% TRANSFERS until January 2015 ;   Fee.....3%
    • REGULAR RATE 12.9% - 22.9% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1.5%
    MAX EARN 1.5%
    • One-time $100 bonus after you spend $500 on purchases within the first 3 months.
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Redeem the cash back you earn for any amount, any time.
    • Your cash back doesn't expire.

     
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    4

    Capital One® Platinum Prestige Credit Card

    capital one platinum prestige credit card
    • 0% PURCHASES until July 2015
    • 0% TRANSFERS until July 2015 ;   Fee.....3%
    • REGULAR RATE 10.9% - 18.9% (V)
    ANNUAL FEE None
    REWARDS None
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    3.5

    Chase Slate®

    slate credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....None
    • REGULAR RATE 12.99% - 22.99% (V)
    ANNUAL FEE $0
    REWARDS None
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    4

    Blue Cash Everyday® Card from American Express

    american express blue cash credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 12.99%-21.99%
    ANNUAL FEE $0
    REWARDS Cash Back
    BONUS $50
    BASE EARN 1%
    MAX EARN 3%
    • Get 50 Reward Dollars, redeemable for a $50 statement credit, after you make $1,000 in purchases with your new Card in the first three months.
    • Plus, get one year of Amazon Prime after you sign up for a new membership with your Card and meet the spending requirement in the same time period.
    • As an Amazon Prime member, you get unlimited FREE Two-Day Shipping on millions of items.
    • Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

     
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    4.5

    Citi® Dividend Platinum Select® Visa® Card

    citi dividend platinum credit card
    • 0% PURCHASES 12 months
    • 0% TRANSFERS 12 months ;   Fee.....3% (min $5)
    • REGULAR RATE 12.99% - 22.99% (V)
    ANNUAL FEE $0*
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1%
    MAX EARN 5%
    • Earn $100 cash back after $500 in purchases within the first 3 months of account opening.
    • Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
    • Enrollment each quarter is quick and easy.
    • Earn 1% cash back on all other purchases.
    • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.

     
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    2.5

    Citi ThankYou® Preferred Card – Low Intro APRs

    thank you credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3% (min $5)
    • REGULAR RATE 12.99% - 22.99% (V)
    ANNUAL FEE $0*
    REWARDS Points
    BONUS None
    BASE EARN 1 point / $1
    MAX EARN 2 points / $1
    • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment.
    • 1 ThankYou Point on other purchases.
    • Points do not expire and earn unlimited Thank You Points.
    • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more.

     
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    4

    IberiaBank Visa® Classic Credit Card

    iberiabank credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 7.25% - 13.25% (V)
    ANNUAL FEE None
    REWARDS None
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    4.5

    Citi Simplicity® Card

    citi simplicity credit card
    • 0% PURCHASES 18 months
    • 0% TRANSFERS 18 months ;   Fee.....3% (min $5)
    • REGULAR RATE 12.99% - 21.99% (V)
    ANNUAL FEE $0*
    REWARDS None
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    4

    Citi® Diamond Preferred® Card

    citi diamond preferred card
    • 0% PURCHASES 18 months
    • 0% TRANSFERS 18 months ;   Fee.....3% (min $5)
    • REGULAR RATE 11.99% - 21.99% (V)
    ANNUAL FEE $0*
    REWARDS None
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