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, from our partners, that offer the lowest costs for cardholders, with a close eye on fees, rates and penalties.
USAA Rate Advantage Visa Platinum Card
Last reviewed: May 30, 2025
The USAA Rate Advantage Visa Platinum card offers a low APR that is hard to beat, but it lacks a zero percent introductory offer, and the card is not available to the general public. This offer is no longer available on our site.
Information about this card has been collected independently by CreditCards.com. The issuer did not provide the content, nor is it responsible for its accuracy.
Capital One Quicksilver Cash Rewards Credit Card
Last reviewed: July 2, 2025
The Capital One Quicksilver Cash Rewards credit card is a good option for saving on interest, due to a long introductory APR on new purchases and balance transfers.
PNC Points Visa
Last reviewed: February 24, 2021
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.
BMO Harris Bank Mastercard
Last reviewed: November 16, 2017
The BMO Harris Bank Mastercard is a solid low rate card with a competitive APR and relatively low fees.
Regions Prestige Visa Signature credit card
Last reviewed: November 17, 2020
The Regions Prestige Visa Signature card offers a reasonable interest rate and a fairly long 12-month 0 percent introductory period on balance transfers and new purchases.
Blue Cash Everyday® Card from American Express
Last reviewed: July 2, 2025
With a reasonable interest rate, a long introductory period on new purchases and balance transfers and a great cash back rewards program, the Blue Cash Everyday card is a good choice for cardholders seeking to save.
HSBC Platinum Mastercard with rewards
Last reviewed: September 10, 2020
While the HSBC Platinum Mastercard can help save money with its low APR and 0-percent introductory offer, you’ll need to be especially careful to stay on top of your payments due to its exorbitant penalty APR. This offer is no longer available.
BB&T Spectrum Cash Rewards credit card
Last reviewed: February 23, 2021
While the BB&T Spectrum Cash 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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RBFCU CashBack Rewards card
Last reviewed: July 2, 2025
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.
Golden 1 Credit Union Platinum Rewards credit card
Last reviewed: May 8, 2020
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.