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Low Interest Credit Cards

 Low Interest Credit Cards

Customize your search for a Low Interest Rate Credit 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 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.

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Proceed Editor's Pick

Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR

VISA Card Application for Chase Freedom
Rates:
  • 0% on Purchases 6 months
  • 0% on Transfers 12 months ;   Fee.....3%
  • Regular Rate 11.99% - 22.99% (V)
Annual Fee None
Rewards Cash Back
Initial Bonus $100
Base Earn 1%
Max Earn 5%
  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months.
  • 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
  • You'll enjoy new 5% categories every 3 months like gas, groceries, dining and even home improvement. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases without limits on what you can earn.
  • Up to an additional 10% cash back when you shop online at select merchants through Chase.
  • Cash back rewards never expire.

 
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Proceed Editor's Pick You can place your own picture on this Credit Card

Capital One® VentureOneSM Rewards Credit Card

Credit Card Application from Capital One
Rates:
  • 0% on Purchases until February 2013
  • 0% on Transfers Not Offered
  • Regular Rate 11.9% - 19.9% (V)
Annual Fee None
Rewards Miles
Initial Bonus 10,000 miles
Base Earn 1.25 miles / $1
Max Earn 1.25 miles / $1
  • 1.25 miles per dollar on every purchase, every day.
  • Earn 10,000 bonus miles, equal to $100 in travel.
  • Redeem miles for airline tickets, hotel rooms, car rentals and more.
  • No limit on the miles you can earn and miles won't expire.
  • Fly free on any airline, any time with no blackout dates.
  • No foreign transaction fees.

 
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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%
  • Regular Rate 12.99% - 21.99% (V)
Annual Fee None
Rewards None
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Applied Bank® Secured Visa® Gold Credit Card

Gold Secured Credit Card Application
  • Secured Credit Card / Min Deposit of $200
  • Annual Fee $50
  • Monthly Fee None
  • One-time Fees None
  • Regular Rate 9.99%
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Proceed Editor's Pick

Citi Forward® Card

citi forward card
Rates:
  • 0% on Purchases 7 months
  • 0% on Transfers 12 months ;   Fee.....3%
  • Regular Rate 12.99% - 22.99% (V)
Annual Fee None
Rewards Points
Initial Bonus 10,000 points
Base Earn 1 point / $1
Max Earn 5 points / $1
  • $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months.
  • Earn 1,000 bonus points when you sign up for Paperless Statements.
  • 5 ThankYou points for every $1 you spend on restaurants and entertainment.
  • 1 point for every $1 you spend on all other purchases.

 
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Bank of America® Accelerated Rewards® American Express® Card

bank of america accelerated rewards american express card
Rates:
  • 0% on Purchases 12 billing cycles
  • 0% on Transfers 12 months ;   Fee.....4% (min $10)
  • Regular Rate 12.99%-20.99% (V) Purchases & BT
Annual Fee None
Rewards Points
Initial Bonus $50
Base Earn 1.25 points / $1
Max Earn 1.25 points / $1
  • Get a $50 statement credit after making at least $100 in retail purchases within the first 60 days of the account opening date.
  • Earn great rewards with 1.25 points per $1 in purchases.
  • Redeem your points for travel with no blackout dates, discounts at hotels, cash, brand-name merchandise, or gift certificates.
  • Access to special Cardmember offers from participating American Express® merchants to save on shopping, dining, travel, hotels, and much more.
  • Access to one of the world's largest and most established travel agency networks.

 
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BankAmericard Cash Rewards™ Card

bankamericard cash back credit card
Rates:
  • 0% on Purchases 12 billing cycles
  • 0% on Transfers 12 months ;   Fee.....4% (min $10)
  • Regular Rate 12.99%-20.99% (V) Purchases & BT
Annual Fee None
Rewards Cash Back
Initial Bonus $50
Base Earn 1%
Max Earn 3%
  • Get a $50 cash back bonus after you make $100 in purchases within 60 days of account opening.
  • Earn 1% cash back on every purchase, 2% on groceries and 3% on gas. The 2% cash back on grocery purchases and 3% cash back on gas purchases applies to the first $1500 in purchases in these combined categories each quarter categories. After that, the base 1% earn rate applies to those purchases.
  • Receive a 10% customer bonus when you redeem rewards into a Bank of America® checking or savings account.
  • Redeem rewards for a check, statement credit, direct deposit to a checking or savings account.
  • Get redemptions starting at $25, with the capability to set up automatic redemption.
  • Rewards don't expire.

 
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Citi ThankYouSM Preferred Card - $150 Gift Card

Rewards Credit Cards from Citibank
Rates:
  • 0% on Purchases Not Offered
  • 0% on Transfers Not Offered
  • Regular Rate 12.99% - 22.99% (V)
Annual Fee None
Rewards Points
Initial Bonus 15,000 points
Base Earn 1 point / $1
Max Earn 5 points / $1
  • $150 gift card - When you redeem the 15,000 bonus ThankYou® Points received after $1,000 in purchases within 3 months of account opening.
  • 5 ThankYou Points for every $1 you spend on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 you spend thereafter.
  • 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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Citi ThankYouSM Preferred Card - $250 in Gift Cards

Rewards Credit Cards from Citibank
Rates:
  • 0% on Purchases Not Offered
  • 0% on Transfers Not Offered
  • Regular Rate 12.99% - 22.99% (V)
Annual Fee None
Rewards Points
Initial Bonus 25,000 points
Base Earn 1 point / $1
Max Earn 1 point / $1
  • $250 gift card - When you redeem the 25,000 bonus ThankYou® Points received after $2,000 in purchases within 3 months of account opening.
  • Earn 1 point for every $1 you spend on all purchases.
  • Receive an anniversary bonus every year you're a cardmember.
  • 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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Proceed Editor's Pick You can place your own picture on this Credit Card

Capital One® Cash Credit Card

Cash Back Credit Card Application from CapitalOne Cash
Rates:
  • 0% on Purchases until February 2013
  • 0% on Transfers until February 2013 ;   Fee.....3%
  • Regular Rate 12.9% - 20.9% (V)
Annual Fee None
Rewards Cash Back
Initial Bonus $100
Base Earn 1.5%
Max Earn 1.5%
  • $100 Bonus after you spend $500 in the first 3 months.
  • 50% bonus on the cash back you earn every year.
  • 1% cash back on all purchases.
  • Earn unlimited cash rewards that don't expire.
  • Redeem cash rewards anytime for any amount, even set up automatic redemption.

 
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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 related to the Low Interest Credit Cards shown on this page.

 
Learn more about Low Interest Credit Cards

How important is getting a low interest rate? 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? 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? 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? 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.