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Low Interest Credit Cards

Low Interest Credit Cards

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 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 sacrificing in terms of rewards or the aforementioned 0% rates. Finally, combining a low interest credit card with a monthly budget plan could help you not only lower finance charges, but eventually eliminate them altogether. ...show more

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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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    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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    4.5

    Blue Cash Preferred® from American Express

    Blue Cash Credit Card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 12.99%-21.99% (V)
    ANNUAL FEE $75
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1%
    MAX EARN 6%
    • Get 100 Reward Dollars, redeemable for a $100 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: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% 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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    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® Select Credit Card

    iberiabank select credit card
    • 0% PURCHASES 12 months but Intro APR will be 0% or 7.5%
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 7.5% - 11.5% (V)
    ANNUAL FEE $35
    REWARDS None
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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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    Ask our Experts
    EXPERT’S ANSWERS

    How important is getting a low interest rate?

    By: John Kiernan The 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 The 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 No, 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 Obviously, 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.)

     
    April 1, 2014
    Photo of Neil P.
    By: Neil Popat
    A low interest rate is of the least importance to me when choosing a credit card. I never pay any interest at all because the total posted payments/credits each month always equal if not exceed the total posted purchases. My purpose for using a credit card is to pay for things in a way more convenient than cash, not to spend money that does not belong to me. More important to me is a generous reward program, local call centers, and the option to go paperless with statements. I have no true experience with low interest credit cards as I never tried to get one.
    March 25, 2014
    Photo of Jay M.
    By: Jay Melo
    A low interest rate is the second most important feature of any credit card. The most important being no fees. With a low interest rate you can transfer balances from higher rate cards and consolidate your balances. This allows you to pay down credit card debt much faster and improve your credit. I have a card from Chase with a 12.9% rate and that is the best one I have right now. Even if you don't carry a balance currently, anyone can have an emergency. You should always have a low rate card to use for these circumstances.
    March 25, 2014
    Photo of Sara Woodwind
    Sara Woodwind
    I think that a low interest rate is important, but no fees are more important. If you are using your credit card correctly, you shouldn't have a huge balance leftover at the end of the month after you pay your bill. If that is the case, then the interest rate is negligible and the huge fees are where they get you more. When looking for a card, personally, I tend to weigh no fees more than high interest rates.
    March 21, 2014
    Photo of David P.
    By: David Price
    Low interest credit cards are something that I do not consider when looking for a card. In order to maximize the versatility and benefits of a credit card, it is important to never carry a balance. For me, this means using my credit card only when I have enough cash to cover the payment. However, I understand that everyone's circumstances are different. For this reason, I would advise you to look into credit cards with 0% APR promotions. These cards are great for balance transfers for a short period of time while you can gather up the cash. In short, low interest is something that I do not consider when choosing a card.
    March 31, 2014
    Photo of Brian Oxenreider
    Brian Oxenreider
    I find this to be a wonderful point. Low interest rate cards lull people into a false sense of security that, since they are getting low interest, they can't afford to spend more and/or not pay off their balances each month. Even low interest can quickly add up if you are carrying a large balance. But most people don't think of that and the promise of a low interest rate easily hooks them into a card.
    March 12, 2014
    Photo of Jessica W.
    By: Jessica Walls-Lavelle
    Low interest rates are one factor when looking for a new credit card. However, there are other factors that I look at as well. I pay off my credit card every month, so having a low interest rate is not all that important to me since I do not pay any interest. I am more interested in the types of rewards I am getting. The cards I use the most have hotel rewards and cash back. I always try to maximize the rewards when using credit cards. If my circumstances were to change, though, and I could not pay off my credit cards every month then a low interest rate would certainly become the most important factor to me.
    February 28, 2014
    Photo of AJ C.
    By: AJ Cox
    You definitely have to consider low interest credit cards when you're applying for cards. In my opinion you should never carry a large balance and you should always pay your statement in full each month, but having a low interest rate will allow you some financial flexibility if times get really tough. I've used a Capital One Platinum Prestige Credit Card for some time now, and I very much appreciate the low interest rates I am entitled to with the card. My line of credit has increased a few times, and there is no annual fee to have a card. Giving me the financial flexibility with a low interest rate, and no annual fees is extremely beneficial and I definitely have used it to get myself out of a sticky situation.
    February 11, 2014
    Photo of Karen V.
    By: Karen Van De Bogart
    I always look for the best interest rate when looking for a credit card. I never like to carry a balance but at times it just can't be helped. For example if your car needs repairs you may not have the money at the time to repair it. Having a credit card with low interest means you can get your car repaired. I have found lots of good credit cards but the one I like best is the US Bank Visa Platinum Credit Card. It not only has a low interest rate but also has no annual fee which I love. I have had credit cards in the past with an annual fee and they eat up any savings you get with the low interest rate. I think it's a matter of what card works best for you but I would recommend US Bank Visa Platinum Credit Card for anyone looking for a low interest rate and no annual fee. For me this card gets a blue ribbon!
    February 7, 2014
    Photo of Bridget B.
    By: Bridget Bowers
    Low interest rates are one of the most important features for a credit card, because that is where you either pay more or less and who doesn't want to pay less? Everyone always sets out to keep a zero balance so at first you think the interest rates aren't important, but carrying a credit card balance happens to all of us, so the better your interest rates, the less money you have to pay on your balance. Saving money is always a top priority in purchases and credit cards are no different. Everyone wants a good deal and to feel they are getting the best possible prices when shopping. Another good feature of any credit card is rewards. With the amount of options out there you want to find the best fit for you and a balance between good interest rates and good rewards because when you are using your card it will help you come out ahead of the game in the end. My choice is the City Thank You Preferred Card.
    March 23, 2014
    Photo of David Price
    David Price
    You're right that we never want to carry a balance, but sometimes we have to when unexpected things happen. For this reason, I feel like we should always have a card with low interest just in case.
    January 29, 2014
    Photo of Brandon H.
    By: Brandon Hellman
    A low interest on a credit card is probably the most important thing to look at when getting a credit card. If you ever carry a balance on your card, getting that low interest rate lets you save some money by not having to pay a crazy amount of money in interest. The only other thing that comes close to being as important is the rewards that the card comes with. A card that has a good balance of these two attributes is the Citi Dividend Platinum Select Visa Card.
    January 15, 2014
    Photo of Jovan A.
    By: Jovan Abrams
    Low interest is an important characteristic when applying for a credit card, because it allows you to save on interest charges. Whenever I use my credit card I always make sure that I pay off the balance when it's due, but if I cannot afford to pay off the balance in its entirety, I would like to have the option to not be charged with outrageous fees, because I have to pay month to month or just the minimum due. One of the best low interest credit cards is Capital One Quicksilver Cash Rewards Credit Card. Currently it is offering a 0% introductory rate until December 2014. I earned $100 cash back within the first three months after I spent $500 on my card. You can earn 1.5% cash back on every purchase, every day and your cash back does not expire. Also, the Capital One Quicksilver Cash Rewards Credit Card does not have an annual fee and over limit fee. The late fee is $35 and APR rates are between 12.9%-20.9% based on credit worthiness. The APR rates may not be the lowest on the market, but this is a great credit card to enhance your credit worthiness and not worry about APR rates for a year.
    January 10, 2014
    Photo of Sarah M.
    By: Sarah Marshall-Switcher
    A low interest rate is one of the more important things I look at when getting a card. I am really good about making payments to avoid interest at all, but if something happens I don't want to get slammed with interest payments. This is why I like my City Thank You card- the low interest rate keeps me from breaking the bank if I can't make a payment immediately. I wouldn't even consider getting a card with a high interest rate.
    January 2, 2014
    Photo of Lisa W.
    By: Lisa West
    I think a low interest rate can be a very important factor when choosing a credit card. It all really depends on how you are planning to use the card and how you plan to pay the bill each month. I have always been told that finding a card with a good reputation and no annual fees is just as, if not more, important as finding one with low interest rates. If you are the type of person who pays off your balance every month, I guess it isn’t much of an issue, however if there are large purchases being made and paid out over a long period of time, a low interest rate coupled with no annual or hidden fees is the best bet. I have used the Capital One Quicksilver Rewards card and really enjoyed the initial 0% interest rate and all of the cash back you can earn through everyday purchases.
    December 26, 2013
    Photo of Chip S.
    By: Chip Song
    The card that I use almost religiously is the Chase Freedom card. Although the interest rate and APR aren't the lowest on the market, I find that it is suitable to my needs. For one thing, I don't find a medium to high interest rate to be too important. This is because I always pay off my credit in full every month. By doing so, the entire concept of interest rates and APR is irrelevant to me. Nevertheless, I might have some months when I can't pay off a balance in full. In these cases, a low interest rate would be beneficial to me. Instead of a low interest rate, a better deciding factor for me would probably be a rewards program or no annual fees. Chase Freedom fits both of these for me, and ultimately, it is what I chose.
    December 3, 2013
    Photo of Paul F.
    By: Paul Ferguson
    I have had a few credit cards in my life and most had high fees or interest or an outrageous annual fee that didn't seem fair for the service I was receiving. Then I found the Citi ThankYou Preferred card. It has no annual fee, great interest rates, and I can earn rewards that actually add up to some spending money.
    December 2, 2013
    Photo of Richard A.
    By: Richard Ascot
    I've tried a lot of credit cards from various companies but I'd say my favorite ends up being the Capital One VentureOne Rewards Credit Card. I always use cards with no annual fees and this card has none. What sets this card apart is that you earn miles on a per dollar spent basis and earns the most of any rewards card.
    November 26, 2013
    Photo of Barbara H.
    By: Barbara Hicks Sears
    I like the State Farm Visa credit card, I have had it for years and it has a low interest rate. It also offers rewards for each dollar you spend. It has really been a great card. With the low interest rate it makes it really easy to pay the amount off faster. The card is a really convenient card to have and it can be use anywhere. Knowing you have a card with only a 7.5% interest rate, allows you to feel comfortable using the card. I would recommend this credit card to anyone who wants a great card with a low interest rate plus you get rewards for using the card.
    November 25, 2013
    Photo of Ashley F.
    By: Ashley Fraiser
    I absolutely love the Capital One Platinum Prestige Credit Card as it was one of my first credit cards I'd ever gotten. I don't have much on my credit but I find that despite my not having much credit history I was still able to get approved for this card. I love that I don't have a high interest rate because I'm a college student who unfortunately isn't working now so although I want to build my credit I don't have too much money to spare as far as paying off a card with high interest fees. I try to pay my card off every month to keep in good standing!
    November 25, 2013
    Photo of Quinn C.
    By: Quinn Carter
    I am always looking for the best low interest rate credit card because interest rates can increase your credit card bill so much and very sneakily. The IberiaBank Visa Classic Credit Card has one of the lowest interest rates out there, and would is perfect for my needs. It is kind of disappointing they don't have rewards, but the lack of annual fee and low interest rate makes up for it.
    November 25, 2013
    Photo of Tyler S.
    By: Tyler Sharp
    I absolutely love my Citi ThankYou Preferred Card. The low APR, especially the 0% for the first 15 months, was what drew me in. I've had to call customer service a grand total of three times in the two years I've had my card, and they have been exceptional each and every time. No crazy long hold times or rude operators, I was connected in a minute or two, and they've always been willing to go the extra mile to help me with my issue. No annual fee is great as well, which is hard to find nowadays!
    November 25, 2013
    Photo of Rob D.
    By: Rob Doe
    I really like the Blue Cash Preferred from American Express, it's probably one of the best on this list of Low Interest Credit Cards. The big deciding factor on this one is the rewards. You can earn so much cash back with this card. It has the highest max earn possibility with up to 6% at US supermarkets, and who doesn't go grocery shopping? Also 3% on gas stations you get so much cash back its super worth the $75 annual fee. I know some cards have no fee but the card pays for itself and them some. The one year of amazon prime is another major factor in why i chose this card because i use amazon all the time. This is a great card i highly recommend it.
    November 25, 2013
    Photo of Sarah M.
    By: Sarah Marshall-Switcher
    If you have the credit rating necessary to get it, I highly recommend the Capital One Quicksilver Cash Rewards Credit Card. The biggest reason for this- LOW INTEREST RATE. This is a huge deal for me, because I hate incurring interest on purchases. The cash back is a nice perk, although I wish you could get more than 1.5 percent back- there are other cards that let you get 2-5 percent back depending on purchases. But 1.5 is better than nothing, and like I said, the interest rate on this card is great.
    November 25, 2013
    Photo of Cody D.
    By: Cody DeLong
    I have been using the Blue Cash Preferred card from American Express for the last 6 months and have been nothing but happy with the service they provide. The main reason I signed up for the card was so I could take advantage of the extra cash back on gas. I use this card to fill up my tank all the time and it helps me get the most points possible for my gas purchases. I can also transfer the points to my other Amex cards to use them in the same store, this was another huge factor in getting the card. I have to say the bonus was also worth it as well!
    November 22, 2013
    Photo of Joseph G.
    By: Joseph Gordon
    I have been a loyal customer of the Citi Dividend credit card for 2 years now. Accepted almost everywhere and recognized by one and all, thats the main advantage of this card. Bought it at a time when I had to buy a DSLR which was above $500 and bagged the $100 cash back instantly. The interest rates for further purchases are reasonably cheap that wouldn't burn my pocket on potential late payments. 5 on 5 for the Citi Dividend!
    November 25, 2013
    Photo of Card Hub
    Card Hub
    Hi Joseph. Another selection in this category could be the Capital One Quicksilver. No annual fee, a lower regular APR of 12.9-20.9 and the same bonus as the Citi Dividend.
    November 13, 2013
    Photo of Ric R.
    By: Ric Rogers
    I had been searching a long time for a good low interest credit card, and made a great decision with the Capital One Platinum Prestige card. What made me choose this card is how low the regular rate was in comparison to other cards in this category. Once I discovered that it has great travel benefits like 24 hour roadside assistance, this became my primary card to use.
    November 13, 2013
    Photo of Krystalyn U.
    By: Krystalyn Upchurch
    I've been using a Capital One credit card for the last three months. I have been turned down by almost everyone I applied to, but Capital One took a chance on me. I just want everyone to know that Capital One changed my life with helping me pay my bills to taking my family out to dinner I am just so thankful. I have told all of my friends about Capital One. I will never lose this card, and I hope to have a long and happy relationship with this company.
    November 11, 2013
    Photo of Greg M.
    By: Greg Meastas
    My name is Gregory Mesa I've got bad credit, but would like to try for a credit card at the lowest interest possible, I know I've got to start from the bottom and work my way up, but I've got a good retirement from the railroad 20 years I'm 100% disabled not able to work at all, but I've done better since I have gotten on top of some of my bills. I know my credit is bad, but if I'm able to get a card at a low interest rate it would help me start back to getting on top of my situations, I receive a good pension from the Railroad after 20 years of service this is the first time I've tried to get a credit card for a long time now I feel it's worth a try!
    February 27, 2014
    Photo of Sean Billings
    Sean Billings
    I understand what you're feeling- I also have poor credit, but would really like the chance to work on it, starting with a low-interest credit card. I have a lot of payments nagging at me that I could just take care of and finally get past, with a little bit of help. I think that this could be really beneficial for people in situations like ours.
    November 5, 2013
    Photo of Kathleen M.
    By: Kathleen Morris
    Low interest credit cards are the absolute best cards that anyone can get. In the past few years, interest rates on credit cards have skyrocketed. In some cases the interest charges on certain cards is even more than the minimum payment, making it impossible to ever pay a card down. Most of these low interest cards only have a low interest range, meaning they start out low, but they could be high depending on your credit history. The Iberia Bank cards generally have the lowest interest rate ranges, which is good. I always liked and that I use the 'Discover It' card because it does have 0% interest on balance transfers for 18 months, which is a great deal if you are looking to do a balance transfer. The 'Discover It' card also starts out with low interest based on your credit score. Overall, I chose the 'Discover It' card because it did award me the lowest interest rate in addition to the balance transfer. I don't feel like I am being robbed every month when I pay my bill because I actually see the balance go down. I would recommend that anyone who is looking for a credit card always look at the terms regarding the interest rates before they apply. A low interest rate is always better for the customer.