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Low Interest Credit Cards
The following Low Interest Credit Cards feature either a low fixed rate APR or a low introductory APR. Apply for the credit card of your choice by filling out a secure online application.
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At Barclaycard's secure site
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- Earn $50 cash back with your first purchase
- With eligible online purchases through Upromise, you can earn 5% or more cash back as well as an additional 5% when you use your Upromise World MasterCard
- Earn 4% back at thousands of participating Upromise dining restaurants
- Earn up to 3% cash back on eligible gas purchases at Exxon or Mobile locations
- Earn 2% cash back at eligible movie theaters
- Earn 1% cash back everywhere else
- Earn cash back on every purchase with no caps
- 0% introductory APR on purchases and balance transfers for the first 12 months from account opening. After that, a variable APR, currently 12.99% or 20.99% depending on your creditworthiness.
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| Purchases |
Balance Transfers |
Regular APR |
Annual Fee |
Credit Needed |
| Intro APR |
Intro APR Period |
Intro APR |
Intro APR Period |
| 0% |
12 months |
0% |
12 months |
12.99%-20.99% (Variable) |
$0 |
Excellent Credit |
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At BBVA Compass's secure site
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- This credit card program is only available to residents of Alabama, Arizona, California, Colorado, Florida, New Mexico and Texas.
- For a limited time, earn $100 statement credit when you make at least $1,500 in qualifying purchases within 3 months from account opening
- 0% intro APR on purchases for 6 months, 9.24-23.24% variable APR after that
- Either 0% or 3.99% intro APR on balance transfers for 12 months based on your credit worthiness, 9.24-23.24% variable APR after that
- Earn 1 CompassPoint for every $1 you spend on qualifying purchases. Redeem points for account credits, gift cards, travel, merchandise, or to make charitable contributions.
- Multiply your points earning power - earn additional points at several participating retailers
- No penalty APR
- Visa Zero liability - you will not be held responsible for fraudulent charges
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| Purchases |
Balance Transfers |
Regular APR |
Annual Fee |
Credit Needed |
| Intro APR |
Intro APR Period |
Intro APR |
Intro APR Period |
| 0% |
6 months |
0% or 3.99% |
12 months |
9.24% - 23.24%* (Variable) |
$0 |
Excellent Credit |
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At Citi's secure site
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- Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness*
- Earn 1 ThankYou Point for every $1 you spend on purchases.
- Enjoy no limit on the number of points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- Travel with ease and enjoy global acceptance with Chip Technology
- No annual fee*
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| Purchases |
Balance Transfers |
Regular APR |
Annual Fee |
Credit Needed |
| Intro APR |
Intro APR Period |
Intro APR |
Intro APR Period |
| 0%* |
15 months* |
0%* |
15 months* |
12.99%-22.99%* (Variable) |
$0* |
Excellent Credit |
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At Visa Black Card's secure site
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- Receive special benefits at over 3,000 hotels, resorts and villas worldwide
- Earn 25,000 bonus points when you spend $1,500 within 90 days of account opening
- 1% cash back as a statement credit
- 100% more value on airfare rewards. It only takes 25,000 points to get a $500 ticket
- 24-Hour Concierge Service
- Unlimited VIP airport lounge visits
- Luxury Gifts
- Excellent Credit Needed
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| Purchases |
Balance Transfers |
Regular APR |
Annual Fee |
Credit Needed |
| Intro APR |
Intro APR Period |
Intro APR |
Intro APR Period |
| N/A |
N/A |
0% |
15 billing cycles |
14.99% (Variable) |
$495 |
Excellent Credit |
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At Simmons First National Bank's secure site
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- Excellent Credit Required - Applicants that do not have excellent credit will not be approved
- Low 9.25% variable standard purchase APR and platinum benefits
- No balance transfer fee for balances transferred in response to this online offer
- Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
- Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
- Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
- No Annual Fee
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| Purchases |
Balance Transfers |
Regular APR |
Annual Fee |
Credit Needed |
| Intro APR |
Intro APR Period |
Intro APR |
Intro APR Period |
| N/A |
N/A |
N/A |
N/A |
9.25% (Variable) |
$0 |
Excellent Credit |
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At Simmons First National Bank's secure site
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- Excellent Credit Required - Applicants that do not have excellent credit will not be approved
- Low 7.25% variable standard purchase APR and platinum benefits
- No balance transfer fee for balances transferred in response to this online offer
- No Annual Fee
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| Purchases |
Balance Transfers |
Regular APR |
Annual Fee |
Credit Needed |
| Intro APR |
Intro APR Period |
Intro APR |
Intro APR Period |
| N/A |
N/A |
N/A |
N/A |
7.25% (Variable) |
$0 |
Excellent Credit |
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Low Interest Credit Cards for Students
The following Low Interest Credit Cards for Students feature either a low fixed rate APR or a low introductory APR. Apply for the credit card of your choice by filling out a secure online application.
* See the online low interest rate credit card applications for details about terms and conditions of offer. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button you can review the credit card terms and conditions on the credit card issuer's web site.
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