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Low Interest Credit Cards

Low interest credit cards are particularly well suited for people who do not pay off their full credit card balance every month. Below is a list of low interest credit cards from all major credit card companies. These credit cards offer a Low Interest Rate / APR on an ongoing basis, which applies to both purchases and balance transfers. Compare these offers and apply for a low interest credit card that best suits your needs.

Narrow your search for a Low Interest Credit Card

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Platinum Zero™ Secured Visa® Credit Card

Platinum Zero™ Secured Visa® Credit Card
Secured Credit Card / Min Deposit of $500
Membership Fees:
  • Annual None
  • Monthly $9.95
One-time Fees:
  • Account Set-up None
  • Program Fee None
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Biodegradable Discover® More Card

Biodegradable Discover® More Card
Rates:
  • 0% on Purchases 6 months
  • 0% on Transfers 6 months ;   Fee.....3%
  • Regular Rate 11.99% - 18.99%
Annual Fee None
Rewards Cash Back
Initial Bonus None
Base Earn up to 1%
Max Earn 5%
  • Depending on the month of the year earn 5% CashBack in certain popular categories and UP TO 1% CashBack on all other purchases.
  • Examples of Popular Categories: travel, home improvement stores, department stores, gas, restaurants.
  • 5%-20% Cashback at top online retailers thru the Discover website

 
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Escape by Discover® Card

Escape by Discover® Card
Rates:
  • 0% on Purchases 6 months
  • 0% on Transfers 6 months ;   Fee.....3%
  • Regular Rate 11.99% - 18.99%
Annual Fee $60
Rewards Miles
Initial Bonus up to 25,000 miles
Base Earn 2 miles / $1
Max Earn 2 miles / $1
  • Bonus: 25,000 Miles -- 1,000 Miles each month you make a purchase for the first 25 months.
  • Unlimited Double Miles on all purchases.
  • Redeem Miles for travel credits, cash or gift cards.

 
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Citi® Platinum Select® MasterCard

Citi® Platinum Select® MasterCard
Rates:
  • 0% on Purchases 7 - 12 months
  • 0% on Transfers 7 - 12 months ;   Fee.....3%
  • Regular Rate 11.99% - 19.99% (V)
Annual Fee None
Rewards None
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Miles by Discover® Card

Miles by Discover® Card
Rates:
  • 0% on Purchases 6 months
  • 0% on Transfers 6 months ;   Fee.....3%
  • Regular Rate 11.99% - 18.99%
Annual Fee None
Rewards Miles
Initial Bonus 12,000 miles
Base Earn 1 mile / $1
Max Earn 2 miles / $1
  • UP TO 12,000 Bonus Miles on your first year
  • Double Miles on up to $3,000 in travel and restaurant purchases each year
  • 1 Mile for every $1 on all your other purchases
  • Redeem Miles for travel credits, gift cards, or cash
  • Book travel through every airline, travel agent or online travel site

 
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Chase SapphireSM Card

Chase Sapphire<sup><small>SM</small></sup> Card
Rates:
  • 0% on Purchases Not Offered
  • 0% on Transfers Not Offered
  • Regular Rate 12.24%
Annual Fee None
Rewards Points
Initial Bonus 10,000 points
Base Earn 1 point / $1
Max Earn 2 points / $1
  • 10,000 Bonus Points after first purchase.
  • 2X on all airfare booked through Ultimate Rewards.
  • 1 point for every dollar on all other purchases.
  • No earning caps, point expiration, or blackout dates.
  • 24/7 Dedicated service advisor (No voice recording).

 
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Discover® Motiva Card

Discover® Motiva Card
Rates:
  • 0% on Purchases Not Offered
  • 0% on Transfers Not Offered
  • Regular Rate 11.99% - 18.99%
Annual Fee None
Rewards Cash Back
Initial Bonus None
Base Earn up to 1%
Max Earn 1%
  • 5%-20% Cash Back at top online retailers thru the Discover site.
  • Up to 1% Cash Back on all other purchases.
  • First $1,500 in annual purchases earn 0.25% Cash Back, purchases between $1,500 - $3,000 earn 0.50%, and annual purchases above $3,000 earn a full 1% Cash Back.
  • Full Month's Interest back as a Pay-On-Time Bonus each time you make 6 on-time payments in a row (max of twice a year).

 
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