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.

 APPLY ONLINE

at U.S. Bank's
secure site

Credit Needed
Excellent Credit
  • 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 10.99% - 22.99%
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017
  • No Annual Fee
  • Flexibility to choose a payment due date that fits your schedule
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card.
  • Certain terms, conditions, and exclusions apply.
  • See additional U.S. Bank Visa® Platinum Card details
 APPLY NOW

at U.S. Bank's
secure site

Credit Needed
Excellent Credit
  • Purchases Intro APR
    0%* for 18 billing cycles on purchases
    Balance Transfers Intro APR
    0%* intro on BTs for 18 months
    Regular APR
    10.99% - 22.99%* (Variable)
    Annual Fee
    $0*
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at U.S. Bank's
secure site

Credit Needed
Excellent Credit
  • Special Cash Back Offer: 5.5% cash back for the first year on your first $2,000 in eligible purchases each quarter on the combined two categories you choose. Thereafter, earn 5%.
  • 2.5% cash back for the first year on your choice of one everyday category (i.e. gas or groceries). Thereafter, earn 2%.
  • 1.5% cash back for the first year on all other eligible net purchases. Thereafter, earn 1%
  • New Cardmember bonus: $100 after you spend $500 in eligible net purchases in the first 90 days you have the card
  • 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 14.99% - 23.99%
  • Unlimited cash back
  • No annual fee
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017
  • See additional U.S. Bank Cash+™ Visa Signature® Card details
 APPLY NOW

at U.S. Bank's
secure site

Credit Needed
Excellent Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    0%* intro on BTs for 12 months
    Regular APR
    14.99% - 23.99%* (Variable)
    Annual Fee
    $0*
    Credit Needed
    Excellent Credit
 APPLY ONLINE

at Citi's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
  • See additional Citi® Double Cash Card details
 APPLY NOW

at Citi's
secure site

or call Citi at
888-252-3753


Credit Needed
Excellent/Good
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    0% for 18 months*
    Regular APR
    14.49% - 24.49%* (Variable)
    Annual Fee
    $0*
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Bank of America's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.99% - 22.99% Variable APR
  • $0 Intro balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).
  • No annual fee
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • Access your FICO® Score for free within Online Banking or your Mobile Banking app
  • See additional BankAmericard® Credit Card details
 APPLY NOW

at Bank of America's
secure site

or call Bank of America at
877-827-8836


Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% Introductory APR on purchases for 15 billing cycles
    Balance Transfers Intro APR
    0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days
    Regular APR
    12.99% - 22.99% Variable APR on purchases and balance transfers
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Chase's
secure site

Credit Needed
Excellent/Good
  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee
  • See additional Chase Slate® details
 APPLY NOW

at Chase's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% for 15 months
    Balance Transfers Intro APR
    0% for 15 months
    Regular APR
    15.99% - 24.74% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Wells Fargo's
secure site

Credit Needed
Excellent/Good
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
  • See additional Wells Fargo Cash Wise Visa® Card details
 APPLY NOW

at Wells Fargo's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% for 12 months
    Balance Transfers Intro APR
    0% for 12 months
    Regular APR
    13.99%-25.99% (Variable)
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at American Express's
secure site

 APPLY BY PHONE
Credit Needed
Excellent, Good
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See additional Blue Cash Everyday® Card from American Express details
 APPLY NOW

at American Express's
secure site

or call American Express at
877-915-6432


Credit Needed
Excellent, Good
  • Purchases Intro APR
    0% on Purchases for 15 months
    Balance Transfers Intro APR
    0% on Balance Transfers for 15 months
    Regular APR
    13.99%-24.99% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent, Good
 APPLY ONLINE

at Capital One's
secure site

Credit Needed
Excellent, Good
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 12.99%-22.99% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • See additional Capital One® VentureOne® Rewards Credit Card details
 APPLY NOW

at Capital One's
secure site

Credit Needed
Excellent, Good
  • Purchases Intro APR
    0% intro on purchases for 12 months
    Balance Transfers Intro APR
    N/A
    Regular APR
    12.99% - 22.99% (Variable)
    Annual Fee
    $0
    Credit Needed
    Excellent, Good
 APPLY ONLINE

at Discover's
secure site

Credit Needed
Excellent/Good
  • We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates -fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive Free Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • See additional Discover it® Miles details
 APPLY NOW

at Discover's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% for 14 months
    Balance Transfers Intro APR
    10.99% for 14 months
    Regular APR
    11.99% - 23.99% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Bank of America's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days — that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want — you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.99% - 23.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • See additional Bank of America® Travel Rewards Credit Card details
 APPLY NOW

at Bank of America's
secure site

or call Bank of America at
877-915-7732


Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% Introductory APR on purchases for 12 billing cycles
    Balance Transfers Intro APR
    N/A
    Regular APR
    15.99% - 23.99% Variable APR on purchases and balance transfers
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
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