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Low Interest Credit Cards

4.9 4.9 - 100 reviews for top rated card

Low interest credit cards are those that offer regular rates/APRs below 13%. In other words, low interest cards may not have 0% introductory rates on either purchases or balance transfers. As a result, the credit cards with low interest rates listed below (some of which originate from CardHub advertising partners) are best for people who occasionally have a credit card balance remaining at the end of the month. While you might assume that everyone wants a low interest rate, regardless of their spending and payment habits, that shouldn’t be the case, as getting a low regular rate often means…show more

    Blue Cash Everyday® Card from American Express


    blue cash credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Fee
    • Regular Rate 12.99%-21.99%
    Apply Now at issuer's secure site
    • Annual Fee $0
    • Rewards Cash Back
    • Initial Bonus $50 + 1yr of Amazon Prime
    • Earn Rate 1% - 3% cash back
    • Get one year of Amazon Prime plus $50 back after you make $1,000 in purchases with your new Card in the first three months.
    • You will receive $50 back in the form of a statement credit.
    • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
    • Earn Cash Back: 3% 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.
    • Terms and restrictions apply.

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone rewards credit card
    • 0% Purchases until December 2015
    • 0% Transfers Not Offered
    • Regular Rate 11.9% - 19.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Miles
    • Initial Bonus 20,000 miles
    • Earn Rate 1.25 miles / $1
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
    • Earn unlimited 1.25 miles on every purchase, every day and pay no annual fee
    • Fly any airline, stay at any hotel, anytime.
    • Travel when you want—no blackout dates.
    • Miles don't expire and there’s no limit to how many you can earn

    Capital One® Platinum Prestige Credit Card


    capital one platinum prestige credit card
    • 0% Purchases until March 2016
    • 0% Transfers until March 20163% Fee
    • Regular Rate 10.9% - 18.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards None

    Citi® Double Cash Card


    citi cashreturns mastercard
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% (min $5) Fee
    • Regular Rate 12.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0*
    • Rewards Cash Back
    • Initial Bonus None
    • Earn Rate 1% - 2% cash back
    • The only card that earns you cash back TWICE on every purchase with:
    • 1% cash back when you buy
    • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
    • No Category Restrictions, No Caps, No Enrollments in Rotating Categories

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver cash rewards credit card
    • 0% Purchases until September 2015
    • 0% Transfers until September 20153% Fee
    • Regular Rate 12.9% - 22.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Cash Back
    • Initial Bonus $100
    • Earn Rate 1.5% cash back
    • 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.
    • Cash back doesn't expire and there’s no limit to how much you can earn

    Chase Slate®


    slate credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 monthsNone Fee
    • Regular Rate 12.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0
    • Rewards None

    Citi Simplicity® Card


    citi simplicity credit card
    • 0% Purchases 18 months
    • 0% Transfers 18 months3% (min $5) Fee
    • Regular Rate 12.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0*
    • Rewards None

    Citi® Diamond Preferred® Card


    citi diamond preferred card visa
    • 0% Purchases 18 months
    • 0% Transfers 18 months3% (min $5) Fee
    • Regular Rate 11.99% - 21.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0*
    • Rewards None

    Blue Cash Preferred® from American Express


    blue cash preferred credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Fee
    • Regular Rate 12.99%-21.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $75
    • Rewards Cash Back
    • Initial Bonus $100 + 1yr of Amazon Prime
    • Earn Rate 1% - 6% cash back
    • Get one year of Amazon Prime plus $100 back after you make $1,000 in purchases with your new Card in the first three months.
    • You will receive $100 back in the form of a statement credit.
    • Hassle-free cash back: no enrollment required, the same great reward categories year-round
    • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% 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
    • Terms and limitations apply.

    U.S. Bank Visa® Platinum Credit Card


    us bank visa platinum credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Fee
    • Regular Rate 9.99% - 23.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0*
    • Rewards None
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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.

    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.

    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 may impact how and where products appear on this site (including, for example, 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

    How important is getting a low interest rate?

    By: John Kiernan, Personal Finance EditorThe importance of a low interest rate really depends on your payment habits. For example, if you always pay your bill in full, your credit card interest rate doesn’t matter at all, and by making a low interest credit card a priority, you are sacrificing the competitiveness of features that you could actually use, such as rewards. Still, some people who always pay their balances in full wind up in the “low interest credit card” category because they’re worried about the cost of finance charges, should they forget to pay their bills one month. The truth, however, is if that happens and you have a record of paying your balance in full, credit card companies will almost always refund any finance charges, making this a moot point.

    When it comes to people who consistently revolve credit card debt, low interest rate credit cards would help, but leveraging 0% credit cards would be even better since your full monthly payment will go toward the principal instead of being wasted on finance charges. Now, a low interest card is very important if you occasionally revolve a balance because your credit card company won’t give you the benefit of the doubt and a 0% credit card will not provide the long-term solution that you need.

    Which credit card company is best for low interest credit cards?

    By: John Kiernan, Personal Finance EditorThe primary differences between credit card companies revolve around customer service and card terms. Customer service is important and many consumers have favorite issuers based on reputation for good customer service or past experiences. However, customer service should only be used as a tiebreaker of sorts between cards with the same terms and should not be used as the primary deciding factor in your search for low interest credit card offers. You want the card with the lowest possible rate, after all, not one that forces you to pay more for more helpful representatives.

    Are there any low fixed interest credit cards?

    By: John Kiernan, Personal Finance EditorNo, low fixed interest credit cards aren’t available anymore. When the new credit card law (CARD Act) took effect in February 2010, credit card companies lost the ability to change interest rates whenever they want. With the exception of small business credit cards, which were excluded from the law, credit card companies can now only increase interest rates on existing balances when consumers become 60+ days delinquent. This necessitates that all credit cards have variable regular rates. In other words, since issuers can no longer adjust interest rates to reflect changes in the economic environment and the Prime Rate, they can no longer afford to offer low fixed interest credit cards. Of course, introductory interest rates are an obvious exception to this rule, since they have a set expiration date.

    How high/low can credit card interest rates get?

    By: John Kiernan, Personal Finance EditorObviously, interest rates can be as low as 0%. On the other hand, the fact that there is no national usury law and most credit card companies operate under charters that allow them to be federally regulated, rather than on the state level, means interest rates can go as high as consumers are willing to pay. The highest rate we’ve seen is 49.9% by First Premier Bank. Keep in mind that if you become at least 60 days delinquent, a penalty rate will take effect. Given that the average penalty interest rate is 28.5%, according to Card Hub’s data, this would certainly dampen the benefit of even the best low interest credit cards. It’s also important to note that there are usury laws at the state level, so if you are getting a credit card from a local bank, there might be an interest rate ceiling.
    COMMUNITY DISCUSSION

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

     
    November 19, 2014
    Photo of Jeff L.
    By:
    The most important thing I look for when applying for a new credit card is whether or not it has a low interest rate. Usually the rewards and other perks that come with credit cards are negligible but the interest rate will usually make an impact every single month.

    When I was in college I had a credit card that had a high interest rate because I was young and didn't really think it would come into play. I thought I would be responsible with it and wouldn't end up with a high balance but I slipped and maxed out the card. I couldn't afford to pay off the card more
    November 13, 2014
    Photo of Matt M.
    By:
    Getting a low interest credit card is very important, I like to know each month that the majority of my credit card payment is going towards paying down the principle and not going towards interest. The higher the interest rate the longer it will take to pay off the debt, when paying the minimum amount the credit company sets. Interest rates vary across credit cards, and there are many choices out there. The way I look at it, say the interest rate is 25% a month, for every $100 added to the card you will owe an extra $25. I like to look for a good card with a low more
    October 13, 2014
    Photo of Marino J.
    By:
    I definitely prefer credit cards that have low interest when applying. This is important because it determines how much you’ll be paying if you have a balance in your account and don’t pay it full every month. You want a card with as low interest rate as possible. I used the Chase Simplicity card because it has zero interest rate the first 18 months which is a pretty long introductory rate.
    October 1, 2014
    Photo of John R.
    By:
    A low interest card is very important when you need to make a purchase that you know you won't be able to pay off within the grace period. Also helpful are cards with a low introductory purchase rate, and sometimes you'll find a card with zero intro purchase rate. Chase Slate is one of these - at only 12.99% (variable) and with a 15-month zero intro purchase rate, it's great for making large purchases! I used Slate to purchase a new TV and paid it off over the course of six months, which was great for my limited budget.
    September 7, 2014
    Photo of Swetha W.
    By:
    I don't normally look at the interest rate when getting a credit card as I try my best to pay everything off by the due date. I dislike paying interest so I try to do this if I can. But sometimes, there are months where I'm short on money and I can't pay everything off at once. I've used Citi Diamond Preferred card and the interest rate is pretty low. The APR can be as low as 11.99%. This is a good card for those who don't pay their credit card in full each month.
    August 27, 2014
    Photo of Sara B.
    By:
    Having a low-interest credit card is very important for me, because usually I use my credit cards for purchasing things like household goods, baby necessities, and food. I usually have a balance on my credit card, so I don't want my interest to be too high. Low interest is actually probably my number one priority when I'm applying for a credit card, because I am not that interested in perks or anything, I just want to be able to make necessary purchases without too much interest.
    July 29, 2014
    Photo of Ashley P.
    By:
    When looking for a credit card, my husband and I do not particularly pay attention to the interest rate as we always pay the amount in full each pay period. When selecting a credit card, we mainly pay attention to the rewards and discounts offered by the credit card company. Right now, we use a Capital One card and receive up to 5% cash back on select purchases and 1% cash back on all purchases. If we decide to not cash in until we accumulated $100, we receive an extra $25 per month. Also, there is no annual fee, which is excellent! I understand why people do consider interest rates, more
    July 21, 2014
    Photo of Ryan S.
    By:
    Low Interest rates are the number one thing I look for when I am picking a credit card. I rarely use a credit card, but when I do I try to avoid having to pay double the original price because of steep interest rates. I also look out for customer service rankings for credit cards. If something happens to go wrong I do not want to have to spend 3 hours talking on the phone with someone to fix a mistake. If a company has an issue with one of these two I will not even apply. I do not mind paying some fees, but high interest rates and bad more
    July 13, 2014
    Photo of Arielle V.
    By:
    Low interest rates are extremely important when picking a credit card. Interest can make or break your budget and you do not want to end up owing someone a lot more money than what you paid with your credit card. Plus you have to consider your credit in all of this. It is few and far between finding a good credit card company that will give you a minimal interest rate... Please be careful and make sure you read the fine print when it comes to credit card companies!!!
    July 2, 2014
    Photo of David A.
    By:
    Low interest is the most important factor when looking for a credit card. It's money out of your pocket and serves no benefit to you. The higher the interest the more you will pay and that extra money goes to the creditor. It's how creditors make money, along with fees, so you want to find a creditor that has a reasonable interest rate. This usually depends on your credit rating or your worth but that is not always entirely the case. Regardless, you will want to find an interest rate that is low for cards you qualify for. This doesn't mean other features aren't important. Such as fees, customer service, more
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