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 Discover's
secure site

Credit Needed
Excellent/Good
  • New! Free Social Security Number alerts, we'll monitor thousands of risky websites when you sign up.*
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • See additional Discover it® details
 APPLY NOW

at Discover's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% for 6 months
    Balance Transfers Intro APR
    0% for 18 months
    Regular APR
    11.99% - 23.99% Variable
    Annual Fee
    $0
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Chase's
secure site

Credit Needed
Excellent/Good
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
  • See additional Chase Freedom Unlimited® 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 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 USAA's
secure site

Credit Needed
Good/Excellent
  • Enjoy one of the lowest APRs in the industry.
  • Same low rate for purchases, balance transfers and cash advances.
 APPLY NOW

at USAA's
secure site

Credit Needed
Good/Excellent
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    7.90%-24.90% (Variable)
    Annual Fee
    $0
    Credit Needed
    Good/Excellent
 APPLY ONLINE

at Citi's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • The Only card with No Late Fees, No Penalty Rate, and No Annual Fee...Ever
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day - just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
  • See additional Citi Simplicity® Card details
 APPLY NOW

at Citi's
secure site

or call Citi at
877-328-9712


Credit Needed
Excellent/Good
  • Purchases Intro APR
    0%* for 21 months*
    Balance Transfers Intro APR
    0%* for 21 months*
    Regular APR
    14.99% - 24.99% (Variable)
    Annual Fee
    $0*
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Citi's
secure site

 APPLY BY PHONE
Credit Needed
Excellent/Good
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.99% - 23.99% 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 lower prices online for 60 days for your registered purchases: you can get back up to $500 per item and $2,500 a year*
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
  • Free access to FICO® Scores*
  • See additional Citi® Diamond Preferred® Card details
 APPLY NOW

at Citi's
secure site

or call Citi at
877-342-7930


Credit Needed
Excellent/Good
  • Purchases Intro APR
    0%* for 21 months*
    Balance Transfers Intro APR
    0%* for 21 months*
    Regular APR
    13.99% - 23.99%* (Variable)
    Annual Fee
    $0*
    Credit Needed
    Excellent/Good
 APPLY ONLINE

at Discover's
secure site

Credit Needed
Excellent/Good
  • New! Free Social Security Number alerts, we'll monitor thousands of risky websites when you sign up.*
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • See additional Discover it® Cashback Match™ details
 APPLY NOW

at Discover's
secure site

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

at Wells Fargo's
secure site

Credit Needed
Excellent/Good
  • 0% Intro APR for 18 months on purchases and balance transfers, then a 16.15%-25.99% variable APR; balance transfer fees apply
  • 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 Platinum Visa® Card
  • Free access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
  • See additional Wells Fargo Platinum Visa® Card details
 APPLY NOW

at Wells Fargo's
secure site

Credit Needed
Excellent/Good
  • Purchases Intro APR
    0% for 18 months
    Balance Transfers Intro APR
    0% for 18 months
    Regular APR
    16.15%-25.99% (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 PNC Bank's
secure site

Credit Needed
Excellent, Good
  • With the PNC Cash Rewards credit card, earn more cash back at the places you shop the most.
  • 4% Cash Back on gas station purchases (in-store and at the pump)
  • 3% Cash Back on dining purchases at restaurants, including fast food.
  • 2% cash back on grocery store purchases.
  • 1% cash back on all other purchases.
  • You'll earn 4%, 3% or 2% cash back for the first $8,000 in combined purchases in these categories every year. After that, you'll earn 1% cash back in these categories.
  • An introductory 0% APR on balance transfers for the first 12 billing cycles following account opening. Then a variable APR, currently 13.99% to 23.99%, based on creditworthiness
  • See additional PNC Cash Rewards℠ Visa® Credit Card details
 APPLY NOW

at PNC Bank's
secure site

Credit Needed
Excellent, Good
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    0% for the first 12 billing cycles on balance transfers made within 90 days of account opening.*
    Regular APR
    13.99% to 23.99%, based on creditworthiness.*
    Annual Fee
    $0*
    Credit Needed
    Excellent, Good
Show More Results


Compare Low Interest Credit Card Offers

Updated: September 5, 2017

Card 0% Purchase APR Period Annual Fee Regular APR
Discover it® 6 months $0 11.99% - 23.99% Variable
Chase Freedom Unlimited® 15 months $0 15.99% - 24.74% Variable
Citi® Double Cash Card N/A $0 14.49% - 24.49% Variable
USAA Rate Advantage Platinum Visa® N/A $0 7.90% - 24.90% Variable
Citi Simplicity® Card 21 months $0 14.99% - 24.99% Variable
Citi® Diamond Preferred® Card 21 months $0 13.99% - 23.99% Variable
Citi ThankYou® Preferred Card 15 months $0 14.49% - 24.49% Variable
Discover it® Cashback Match™ 14 months $0 11.99% - 23.99% Variable
Wells Fargo Platinum Visa® Card 18 months $0 16.15% - 25.99% Variable

Low interest cards can help you pay down your debt or reduce interest paid on large purchases paid off over several months. It can also be your go-to line of credit in case of emergencies. Additionally, they can help those with irregular incomes float their expenses until they get paid again. If one of those situations sounds like yours, consider the following factors to help you make the best decision

Balance transfer rates
If you’re trying to reduce interest on an existing balance, you’ll want to consider offers with an introductory APR period of 0 percent interest. Just look for an offers with a long introductory period (15-21 months), no annual fee, and terms that keep your balance transfer fee as small as possible

Ongoing interest rate
Listed as the APR on your offer, the interest rate determines what you’ll pay if you carry debt over the monthlong period. Credit cards offer a range of potential interest rates for a given product. Keep in mind, the card issuer will strongly consider your credit score if you are accepted for the card.

Other benefits
Some offers will provide additional security measures for the cautious types. These can include credit scores included on every monthly statement and the ability to quickly freeze your credit line in the event that your card security becomes compromised.

You can find offers that also come with rewards programs. You can find certain offers with cash back programs. However, the rewards program should not supersede the interest rate benefits. Interest rates on high-profile rewards program are very steep. Use these extraneous benefits as a tiebreaker between two cards with stellar interest terms.

Finally, look for offers with some leniency built in if you tend to be a bit forgetful with payments.

Want some more information?
You can read some individual reviews for low interest credit cards at our reviews section. You can get a better ideas of how products compare to one another so you can definitively decide on the best offer for your needs. Link to rate report to compare to our current national averages.

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