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 Commerce Bank's
secure site

Credit Needed
Good Credit
  • 0% Intro APR on Purchases and Balance Transfers for 6 monthly billing cycles. After that, the APR will be 10.24% - 20.24% based on your creditworthiness.
  • Earn 1 point per dollar on net merchandise purchases, 3 points per dollar accrued in interest, and bonus points at participating retailers.
  • Redeem points for merchandise, gift cards, travel, and cash back statement credits.
  • Get Auto Rental Collision Damage Waivers and $100,000 in Travel Accident Insurance coverage.
  • Protect your account with Zero Liability coverage.
  • Commerce Bank provides Emergency Card Replacement and Emergency Cash Disbursement.
  • See additional Commerce Bank Special Connections® Visa® with Rewards details
 APPLY NOW

at Commerce Bank's
secure site

Credit Needed
Good Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    0% for 6 months
    Regular APR
    N/A
    Annual Fee
    $0
    Credit Needed
    Good Credit
 APPLY ONLINE

at Fifth Third Bank's
secure site

Credit Needed
Good Credit
  • No Annual Fee
  • Identity Theft Resolution Services: Credit bureau notification, credit card replacement, and more
  • Cellular Phone Protection: Protection against damage to, or theft of, your eligible cell phone, as well as the first two additional phones listed on your wireless billing statement
  • See additional Fifth Third Bank Platinum MasterCard® details
 APPLY NOW

at Fifth Third Bank's
secure site

Credit Needed
Good Credit
  • Purchases Intro APR
    0% for 15 months
    Balance Transfers Intro APR
    0% for 15 months
    Regular APR
    11.24%-24.24% (Variable)
    Annual Fee
    $0
    Credit Needed
    Good Credit
 APPLY ONLINE

at Commerce Bank's
secure site

Credit Needed
Good Credit
  • Earn 1% Cash Back for every dollar in Net Merchandise Purchases
  • Earn 3% Cash Back for every dollar in interest you accrue on your monthly balances
  • Earn 2% & 3% Cash Back for purchases in select categories
  • Redeem for 1% Cash Back or choose from gift cards, travel, merchandise, and more
  • View your FICO Score for free on your monthly credit card statement
  • Emergency Card Replacement and Emergency Cash Disbursement
  • See additional Commerce Bank Special Connections® MasterCard® with Rewards details
 APPLY NOW

at Commerce Bank's
secure site

Credit Needed
Good Credit
  • Purchases Intro APR
    0% for 6 months
    Balance Transfers Intro APR
    0% for 6 months
    Regular APR
    10.49%-20.49% (Variable)
    Annual Fee
    $0
    Credit Needed
    Good Credit
 APPLY ONLINE

at UMB's
secure site

Credit Needed
Excellent Credit
  • Earn 2 points per dollar on gas, groceries, and at discount stores.*
  • Earn 1 point per dollar everywhere else and on balance transfers.*
  • Earn 1,000 bonus points with your first purchase made within 60 days of account opening.*
  • Personalize your card with a photo to make it uniquely yours
  • Fraud protection means you aren't liable for unauthorized purchases with your card
  • See additional UMB Simply Rewards™ Visa Platinum Credit Card details
 APPLY NOW

at UMB's
secure site

Credit Needed
Excellent Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    0% for 12 months
    Regular APR
    N/A
    Annual Fee
    $0
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at First Niagara's
secure site

Credit Needed
Excellent Credit
  • Rewards customers receive one point for each dollar of net purchases. Points can be redeemed on a variety of rewards
  • Flights, hotels, car rentals, account credits, electronics, sporting goods, gift cards, event tickets, and more
  • 0% Introductory APR on Balance Transfers
  • Online Account Access - Check your Balance, View Transactions, Make Payment and Reward Inquiries
  • $75 annual fee waived with PinnaclePlus Checking Relationship
  • See additional First Niagara Pinnacle World MasterCard® details
 APPLY NOW

at First Niagara's
secure site

Credit Needed
Excellent Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    0% for 12 months
    Regular APR
    11.24% (Variable)
    Annual Fee
    $75, waived with checking
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at Commerce Bank's
secure site

Credit Needed
Excellent Credit
  • Receive two ticket vouchers to a 2016 Royals Game when you make your first purchase within the first 90 days
  • Earn 1% cash back for every dollar in net merchandise purchases
 APPLY NOW

at Commerce 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
    14.49%-20.49% (Variable)
    Annual Fee
    $0
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at State Farm Bank's
secure site

Credit Needed
Good Credit
  • Earn 3% in State Farm Dollars on the first $4,000 of net insurance premiums payments made within the first 12 months of account opening; 1% thereafter.
  • Redeem State Farm Dollars for insurance premiums, car loans, mortgages and other products from State Farm
 APPLY NOW

at State Farm Bank's
secure site

Credit Needed
Good Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    0% for 12 months
    Regular APR
    13.24%-20.24%
    Annual Fee
    $0
    Credit Needed
    Good Credit
 APPLY ONLINE

at Commerce Bank's
secure site

Credit Needed
Good Credit
  • 0% Intro APR on Balance Transfers and Purchases for 6 monthly billing cycles. After that, the variable APR will be 10.24% - 20.24% based on your creditworthiness.
  • Earn 1 point per $1 spent on Net Merchandise Purchases, 5 points per $1 accrued in interest, and bonus points when shopping at participating retailers.
  • Redeem points for merchandise, gift cards, travel, and cash back statement credits.
  • Take advantage of Visa Signature Concierge, offering restaurant recommendations, reservations, and vacation-planning assistance.
  • Protect your account with Zero Liability Coverage.
  • Get Auto Rental Collision Damage Waivers and $250,000 in Travel Accident Insurance.
  • See additional Commerce Bank MilesSM details
 APPLY NOW

at Commerce Bank's
secure site

Credit Needed
Good Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    0% for 6 months
    Regular APR
    N/A
    Annual Fee
    $0
    Credit Needed
    Good Credit
 APPLY ONLINE

at BMO Harris's
secure site

Credit Needed
Excellent Credit
  • Earn 1 point for every $1 of purchases. No point cap.
  • Exclusive offers and experiences in your city with Priceless Cities
  • Concierge Service, featuring 24-hour assistance
  • Elite privileges at MasterCard World Elite Luxury Hotels & Resorts Portfolio, fine dining, sporting events and more
  • MasterCard Zero Liability provides peace of mind and protection when you notify us promptly of an unauthorized purchase transaction
  • 5,000 rewards points with $50,000 of purchases annually
  • Redeem your rewards points for flights any seat, on any airline, with no blackout dates as well as gift cards to popular stores, restaurants and more
  • See additional BMO Harris Bank Premier World MasterCard details
 APPLY NOW

at BMO Harris's
secure site

Credit Needed
Excellent Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    14.24% or 16.24
    Annual Fee
    75
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at State Farm Bank's
secure site

Credit Needed
Good Credit
  • Earn 1.5% in State Farm Dollars when you spend more than $10,000 (1% up to $10,000)
  • Get extra State Farm Dollars when you make insurance payments using your card within the first 12 months
 APPLY NOW

at State Farm Bank's
secure site

Credit Needed
Good Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    13.24%-20.24%
    Annual Fee
    $30
    Credit Needed
    Good Credit
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