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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 Capital One's secure site
--OR--
Call Capital One at 888-799-2845
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- 1.25 miles per dollar on every purchase, every day and no annual fee
- One-time bonus of 10,000 miles once you spend $1,000 on purchases within the first 3 months, 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 don't expire
- Fly on any airline, any time with no blackout dates
- 0% intro APR on purchases until May 2014
- No foreign transaction fees
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| Purchases |
Balance Transfers |
Regular APR |
Annual Fee |
Credit Needed |
| Intro APR |
Intro APR Period |
Intro APR |
Intro APR Period |
| 0% |
Until 05/2014 |
N/A |
N/A |
11.9% - 19.9% (V) |
$0 |
Excellent Credit |
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At American Express's secure site
--OR--
Call American Express at 877-915-6432
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- Earn 100 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
- Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.
- No annual fee, 0% intro APR on purchases for 12 months. After that, your APR will be a variable rate, currently 12.99%-21.99% with flexibility to pay over time.
- Terms and Restrictions Apply.
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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 |
None |
None |
12.99% - 21.99% Variable |
$0 |
Excellent Credit |
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At Bank of America's secure site
--OR--
Call Bank of America at 877-827-8836
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- 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% variable APR
- No annual fee
- Enjoy Purchase Replacement coverage on lost, damaged or stolen purchases
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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 billing cycles* |
0%* |
15 billing cycles for qualifying balance transfers* |
10.99%-20.99% Variable* on purchases & balance transfers |
None* |
Excellent Credit |
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At Bank of America's secure site
--OR--
Call Bank of America at 866-789-2272
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- No annual fee
- Earn $25 per quarter when you pay more than the monthly minimum and on time each month in the calendar quarter. Thats up to $100 in cash rewards per year with the card
- Rewards are automatically credited to your card balance or you can choose to deposit them into your savings or checking account
- Low Introductory APR offer
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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 billing cycles* |
0%* |
12 billing cycles for qualifying balance transfers* |
11.99% - 21.99% Variable* on purchases & balance transfers |
None* |
Excellent Credit |
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At American Express's secure site
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Call American Express at 877-915-6641
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- Earn 150 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
- Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Simple and Straightforward: With the Blue Cash Preferred Card, you can start earning cash back. No rotating reward categories. No enrollment required.
- Terms and Restrictions Apply.
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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 |
None |
None |
12.99% - 21.99% Variable |
$75 |
Excellent Credit |
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At Citi's secure site
--OR--
Call Citi at 877-342-7930
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- Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
- Citi® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item.
- Let our 24/7 concierge service help book your hotel rooms, flights and more.
- Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
- $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
- 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%* |
18 months* |
0%* |
18 months* |
11.99%-21.99%* (Variable) |
$0* |
Excellent Credit |
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At Citi's secure site
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Call Citi at 877-326-6072
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- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- No late fees - EVER
- No penalty rate - EVER
- No annual fee - EVER
- Save time when you call with fast, personal help, 24 hours a day.
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| Purchases |
Balance Transfers |
Regular APR |
Annual Fee |
Credit Needed |
| Intro APR |
Intro APR Period |
Intro APR |
Intro APR Period |
| 0%* |
18 months* |
0%* |
18 months* |
12.99% - 21.99%* (Variable) |
$0* |
Excellent Credit |
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At Citi's secure site
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Call Citi at 877-328-9712
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- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- No late fees - EVER
- No penalty rate - EVER
- No annual fee - EVER
- Save time when you call with fast, personal help, 24 hours a day.
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| Purchases |
Balance Transfers |
Regular APR |
Annual Fee |
Credit Needed |
| Intro APR |
Intro APR Period |
Intro APR |
Intro APR Period |
| 0%* |
18 months* |
0%* |
18 months* |
12.99% - 21.99%* (Variable) |
$0* |
Excellent Credit |
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At Citi's secure site
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- Earn 15,000 bonus ThankYou Points after $1000 in card purchases within 3 months of account opening – enough for $150 in gift cards or other great rewards!
- 0% intro APR on Balance Transfers and Purchases for 12 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 all purchases
- No expiration and no limit on the points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- Earn extra points when you shop through the ThankYou® Bonus Center, a network of 600+ retailers you know and love
- 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%* |
12 months* |
0%* |
12 months* |
12.99%-22.99%* (Variable) |
$0* |
Excellent Credit |
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At Capital One's secure site
--OR--
Call Capital One at 888-766-6086
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- 0% intro APR until August 2014 on balance transfers
- 0% intro APR until August 2014 on purchases
- No annual fee
- $0 Fraud Liability if your card is lost or stolen
- 24-hour travel assistance gives you a replacement card and cash advance
- 24-hour roadside assistance
- Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
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| Purchases |
Balance Transfers |
Regular APR |
Annual Fee |
Credit Needed |
| Intro APR |
Intro APR Period |
Intro APR |
Intro APR Period |
| 0% |
Until 08/2014 |
0% |
Until 08/2014 |
10.9% - 18.9% (V) |
$0 |
Excellent Credit |
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* 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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