Low Interest Credit Cards

Finding a low rate credit card can be tricky. But our list of the latest low rate offers takes out the guesswork. Easily compare introductory rates, ongoing rates, annual fees and other terms on dozens of cards from our partners to find the one that'll save you the most on interest.

See offers from our partners below.

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 APPLY ONLINE

at Barclaycard's
secure site

Credit Needed
Excellent/Good
  • Earn 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $400 travel statement credit
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR will apply, currently 16.24% or 20.24%, depending on your creditworthiness.
  • Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers
  • See additional Barclaycard Arrival Plus™ World Elite MasterCard® details
 APPLY NOW

at Barclaycard's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    0% for 12 months (must be completed within first forty-five days of account opening)
    Regular APR
    16.24% or 20.24%* Variable
    Annual Fee
    $89 - Waived first year
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Simmons Bank's
secure site

Credit Needed
Excellent Credit
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 7.50% variable standard purchase APR and platinum benefits
 APPLY NOW

at Simmons Bank's
secure site

Credit Needed
Excellent Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    None
    Regular APR
    7.50% (Variable)
    Annual Fee
    $0
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at USAA Savings's
secure site

Credit Needed
Good/Excellent
  • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
  • Earn up to 2.25% cash back on gas and grocery purchases and up to 1.25% cash back for all other purchases.
  • No caps or limits on the amount you can earn.
  • Your cash rebate is awarded every January for the purchases made the previous 12 months.
  • Enjoy variable rates as low as 10.15% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the prime rate.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
  • See additional USAA Cash Rewards® American Express® Card details
 APPLY NOW

at USAA Savings's
secure site

Credit Needed
Good/Excellent
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    10.15%-26.15% (Variable)
    Annual Fee
    $0
    Credit Needed
    Good/Excellent
 APPLY ONLINE

at USAA Savings's
secure site

Credit Needed
Good/Excellent
  • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
  • No annual fee: And avoid fine-print fees - no over-the-limit fees or penalty rates, so you keep more money in your pocket.
  • Variable rates starting at 7.15% on purchases, balance transfers and cash advances. It's the same low rate for all transactions.
  • Free Travel and Retail Benefits: Get benefits like Rental Car Collision Damage Coverage and Extended Warranty coverage on your purchases.
  • Making your busy life simpler: Our online and mobile tools help you manage your account anytime, anywhere.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
  • See additional USAA Rate Advantage Platinum Visa® details
 APPLY NOW

at USAA Savings's
secure site

Credit Needed
Good/Excellent
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    7.15%-24.15% (Variable)
    Annual Fee
    $0
    Credit Needed
    Good/Excellent
 APPLY ONLINE

at Bank of America's
secure site

Credit Needed
Excellent/Good
  • Get 20,000 bonus points after you make at least $1,000 in purchases with your new card within 90 days of account opening
  • Earn 3 Amtrak Guest Rewards points for every $1 you spend with Amtrak®, including travel and onboard purchases
  • Earn 2 points per $1 spent on other qualifying travel purchases
  • Earn 1 point per $1 spent on all other purchases
  • Get a 5% Amtrak Guest Rewards point rebate when you book your Amtrak redemption travel
  • Earn 1,000 Tier Qualifying Points (TQPs) toward earning status each time your eligible spending reaches $5,000 in a calendar year, up to 4,000 TQPs per year
  • Enjoy a complimentary Companion Coupon, One-Class Upgrade and a single-day ClubAcela® pass for access to ClubAcela, Amtrak Metropolitan Lounge℠ or First class lounges upon account opening
  • Receive a complimentary Companion Coupon and One-Class Upgrade every year
  • See additional Amtrak Guest Rewards® World MasterCard® details
 APPLY NOW

at Bank of America's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    13.24% - 23.24% Variable APR on purchases and balance transfers
    Annual Fee
    $79
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at USAA Savings's
secure site

Credit Needed
Good/Excellent
  • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
  • Earn rebates up to 1.25% on your everyday purchases. There's no limit to the amount you can earn.
  • Enjoy variable rates as low as 10.15% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
  • See additional USAA Cash Rewards® Visa® details
 APPLY NOW

at USAA Savings's
secure site

Credit Needed
Good/Excellent
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    10.15%-26.15% (Variable)
    Annual Fee
    $0
    Credit Needed
    Good/Excellent
 APPLY ONLINE

at Simmons Bank's
secure site

Credit Needed
Excellent Credit
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 9.50% 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
  • See additional Simmons Bank Visa® Platinum Rewards details
 APPLY NOW

at Simmons Bank's
secure site

Credit Needed
Excellent Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    None
    Regular APR
    9.50% (Variable)
    Annual Fee
    $0
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at Regions Bank's
secure site

Credit Needed
Excellent Credit
  • Regions Relationship Rewards offers 1.5 points for every $1 in qualified purchases. Redeem points for gift cards, merchandise, or cash credited to your Regions Bank checking account.
  • Protect your items with Purchase Security. Get reimbursed or have your item replaced or repaired within 90 days of purchase if lost or damaged due to a covered reason.
  • Price Protection offers cost difference reimbursement if you find a lower price on an item purchased with your card within 60 days.
  • Visa Signature Concierge service helps you find sports and entertainment tickets, book travel, and make dinner reservations.
  • Trip Cancellation/Interruption Coverage will pay up to $5,000 if a trip booked on the card is cancelled.
  • See additional Regions Bank Visa® Signature Preferred Credit Card details
 APPLY NOW

at Regions Bank's
secure site

Credit Needed
Excellent Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    0% for 7 months
    Regular APR
    N/A
    Annual Fee
    $125
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at Fifth Third Bank's
secure site

Credit Needed
Excellent Credit
  • Unlimited points. Unlimited potential.
  • Bonus Rewards! Earn 2 Real Life Rewards Points for every $1 spent on gas and grocery store purchases. Earn 1 point for every $1 spent on all other purchases
 APPLY NOW

at Fifth Third Bank's
secure site

Credit Needed
Excellent Credit
  • Purchases Intro APR
    0% for 12 months
    Balance Transfers Intro APR
    0% for 12 months
    Regular APR
    13.24%-24.24% (Variable)
    Annual Fee
    $0
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at First Niagara's
secure site

Credit Needed
Good Credit
  • 0% Introductory APR on Balance Transfers for 12 months
  • Online Account Access - Check your Balance, View Transactions, Make Payment and Reward Inquiries
  • No Annual Fee
  • Zero Liability - Pay only for purchases you have authorized
  • Doubles the original manufacturer's or store brand warranty for up to one year when you pay with your eligible MasterCard card
  • Minimum Credit Limit $2,000
  • See additional First Niagara Platinum MasterCard® details
 APPLY NOW

at First Niagara's
secure site

Credit Needed
Good Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    0% for 12 months
    Regular APR
    13.49% (Variable)
    Annual Fee
    $50, waived with checking
    Credit Needed
    Good Credit
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