Low Interest card reviews

Low Interest Credit Cards - Reviews

If you are carrying a credit card balance month to month, you need to pay especially close attention to the fine print. Many cards that lure in cardholders with appealing features and rewards programs also come with hefty interest rates and fees that can quickly balloon your balance. We've reviewed and rated cards that offer the lowest costs for cardholders, with a close eye on fees, rates and penalties.

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BB&T Spectrum Rewards credit card review

BB&T Spectrum Rewards credit card

2.7 rating

While the BB&T Spectrum Rewards card has a good 0 percent introductory offer, it’s regular APR is not the lowest you’ll find and not the best choice for cardholders who need to carry a balance.

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Synovus Cash Rewards Visa review

Synovus Cash Rewards Visa

4.2 rating

For cardholders with excellent credit, the Synovus Cash Rewards Visa offers a very low interest rate, a 0-percent introductory period on balance transfers and new purchases and a decent cash back rewards program.

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SunTrust Travel Rewards card review

SunTrust Travel Rewards card

1.8 rating

The Suntrust travel card features a low APR and a long 15-month 0-percent introductory period for balance transfers, but unfortunately doesn’t include a 0-percent APR for new purchases and charges a high annual fee to boot.

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RBFCU CashBack Rewards card review

RBFCU CashBack Rewards card

2.7 rating

This low-rate card can save you money on balance transfers thanks to its fairly long 0-percent introductory period and lack of a balance transfer fee; but cardholders seeking to finance a new purchase are better off with a card that offers a 0-percent APR on new purchases.

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PNC Points Visa review

PNC Points Visa

3 rating

Cardholders can save on both balance transfers and new purchases with the PNC Points Visa card, thanks to its relatively low APR and 12-month 0-percent introductory APR.

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Bank of America Cash Rewards credit card review

Bank of America Cash Rewards credit card

2.5 rating

While the Bank of America Cash Rewards card’s regular APR is fairly low, its 0-percent introductory period on balance transfers for 12 billing cycles (for balance transfers made in the first 60 days) and new purchases is relatively short.

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American Express Everyday Preferred card review

American Express Everyday Preferred card

2.7 rating

The American Express Everyday Preferred card offers a reasonable interest rate and a 12-month introducty period on new purchases and balance transfers, but bargain-minded cardholders may be turned off by the card’s high annual fee. This offer is no longer available on our site.

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PenFed Platinum Rewards Visa Signature card review

PenFed Platinum Rewards Visa Signature card

2.6 rating

The PenFed Platinum Rewards Visa Signature card offers an exceptionally low APR for a card with such a generous rewards program; however, cardholders seeking to save money on interest may be better off with a card with a 0-percent introductory APR for new purchases.

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Golden 1 Credit Union Platinum Rewards credit card review

Golden 1 Credit Union Platinum Rewards credit card

2.6 rating

Few cards can beat the APR on the Golden 1 Platinum Rewards card, which also features very reasonable rates and fees, including an exceptionally low fee for late payments. However, if you are looking to transfer a balance or finance a new purchase, you may be better served by a card that offers a 0-percent introductory APR.

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PenFed Pathfinder Rewards American Express card review

PenFed Pathfinder Rewards American Express card

2.2 rating

Though the regular APR on the PenFed Pathfinder card is low, the card lacks a 0-percent introductory period for new purchases.

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Blue Cash Preferred Card from American Express review

Blue Cash Preferred Card from American Express

2.6 rating

The Blue Cash Preferred card offers a fairly low interest rate and a 12-month 0-percent introductory period on balance transfers and new purchases, though cardholders may find the annual fee too pricey.

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BBVA Compass ClearPoints credit card review

BBVA Compass ClearPoints credit card

3.8 rating

For cardholders with excellent credit, the BBVA Compass ClearPoints card is more affordable than the average low interest rate card and offers a long introductory period on balance transfers and new purchases, though also a higher-than-average balance transfer fee.

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