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 Credit Card
Last reviewed: February 5, 2026
The Alliant Visa® Platinum Credit Card can be a good option if you want a Visa credit card without an annual fee. The limited-time introductory APR offer can also lead to big interest savings. This card offer is no longer available on our site.
Platinum Rewards Visa Signature® Card
Last reviewed: December 1, 2022
The 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 promotional APR for 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.
Power Cash Rewards Visa Signature® Card
Last reviewed: July 2, 2025
The Power Cash Rewards Visa Signature® Card offers a low interest rate and reasonable fees and penalties, but the card doesn’t include an promotional offer for new purchases. Cardholders seeking to finance a new purchase may be better off finding a card with a 0-percent APR.
Navy Federal More Rewards American Express card
Last reviewed: November 3, 2025
The NFCU card comes with very reasonable rates and fees, though cardholders looking to save on interest may be better served by a card with a stronger introductory APR offer.
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Navy Federal Credit Union Go Rewards credit card
Last reviewed: November 3, 2025
The Navy Federal Credit Union Go Rewards card features very reasonable rates and fees and an APR that few cards can beat.
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Platinum Edition Visa card from First National Bank of Omaha
Last reviewed: September 10, 2020
The Platinum Edition Visa Card offers a low APR but lacks a 0 percent introductory period for new purchases.
State Employees' Credit Union credit card
Last reviewed: April 30, 2020
This inexpensive credit union credit card carries the same low rate for every cardholder and charges some of the industry’s all-time lowest fees, but lacks a zero percent introductory offer.
Navy Federal Credit Union Visa Signature Flagship Rewards card
Last reviewed: November 3, 2025
The Visa Signature Flagship Rewards card features a good rewards program and very reasonable rates and fees, as well as a low ongoing APR.
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KeyBank Key2More Rewards credit card
Last reviewed: March 3, 2021
With its low APR and brief 0 percent introductory period on balance transfers and new purchases, the Key2More Rewards card can help you save some money on interest, though you can find cards with much longer introductory periods and lower interest rates.