Low Interest and 0% Intro APR

Retire those high rate plastics, get a low APR credit card


The marketplace is full of low APR credit cards to help consolidate your debt.

The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.

Credit card debt consolidation is big business, as evidenced by the amount of advertising that is on the airwaves and online. It’s no wonder, with so many people carrying high credit card balances. Not all credit card debt consolidation options are equal, though. It all depends on your personal situation and the magnitude of your debt.

Compare Balance Transfer Credit Cards

For the past decade banks and financial service companies have heavily marketed Home Equity Loans as the best way to consolidate debt. Leading financial experts caution that leveraging your home’s equity, although tax-advantaged, is not something to do without great consideration. If you default on a credit card balance you might hurt your credit rating, but if you default on your home equity loan you can lose your home — not a situation you want to learn about firsthand.

In order to consolidate credit card debt it is can be helpful to first look toward leading credit card offers that can provide low interest or 0 percent balance transfer options. This type of straightforward consolidation from one or more high interest rate credit cards to one better rate credit card could save hundreds of dollars per month. Many people develop a sense of loyalty to their first card or one that offers some type of reward or benefit. But if the issuer has begun charging high interest rates, the loyalty should stop there. There are too many options in the marketplace with low interest or 0 percent balance transfer credit card features to put up with a high rate credit card in your wallet.

As stated in our article “Eliminate Credit Card Debt,” one of the primary steps to getting debt free is to refinance your high interest balances and get lower payments. Once you are paying less in interest you can, through financial self-discipline, apply more money toward retiring the principal and finally be free.

Credit card debt consolidation can be a great thing if you can slash your interest and begin crawling out of the hole that has been dug. But remember that it is not a solution unto itself; it’s one of many steps to gaining financial freedom.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

What’s up next?

In Low Interest and 0% Intro APR

Chase platinum is all about choice

Chase Platinum credit cards have no annual fee and 0% introductory interest.

See more stories
Credit Card Rate Report Updated: May 27th, 2020
Cash Back

Questions or comments?

Contact us

Editorial corrections policies

Learn more

Join the Discussion

We encourage an active and insightful conversation among our users. Please help us keep our community civil and respectful. For your safety, do not disclose confidential or personal information such as bank account numbers or social security numbers. Anything you post may be disclosed, published, transmitted or reused.

The editorial content on is not sponsored by any bank or credit card issuer. The journalists in the editorial department are separate from the company’s business operations. The comments posted below are not provided, reviewed or approved by any company mentioned in our editorial content. Additionally, any companies mentioned in the content do not assume responsibility to ensure that all posts and/or questions are answered.