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.
Alliant Visa® Platinum Rewards Credit Card
Last reviewed: July 2, 2025
The Alliant Visa® Platinum Rewards Credit Card gives you 2% cash back with no annual fee, along with flexible rewards options. When you throw in the introductory APR offer, it’s a hard cash back card to beat. This card offer is no longer available on our site.
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.
Upgrade Triple Cash Rewards Visa®
Last reviewed: October 2, 2025
The Upgrade Triple Cash Rewards card lets users combine the convenience of a credit card with the predictability and consistency of a personal loan. Better yet, it lets cardholders earn rewards on their purchases, and it’s available to people with fair credit scores.
Upgrade Cash Rewards Visa®
Last reviewed: June 27, 2025
Since it rewards payments via cash back and automatically puts your balance into an installment plan at the end of the month, the Upgrade Card helps you keep your interest payments – and your overall credit card balance – in check.
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.
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.
Blue Cash Everyday® Card from American Express
Last reviewed: August 7, 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.
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.
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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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.