Low Interest Credit Cards

A low interest credit card is one that charges a low annual percentage rate (APR) on an accrued balance. For instance, if your Visa card charges an APR of 10%, then carrying a $1,000 balance from month to month would cost you about $100 in interest over the course of a year. See below for today's top low interest credit card offers, along with links to each card's secure online application. These cards feature either a low fixed rate APR or a low introductory APR.
Topcard
Discover it® Card
Discover-it
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  • The new Discover it card is out to change the way people think about credit cards.
  • Fair…No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won’t increase your APR for paying late.*
  • Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
  • Plus a Cashback Concierge℠ who guides a free, personalized online tour to help you get the most rewards for how you use your card.
  • Flexible…Choose your own due date and pay up to midnight ET online or by phone.
  • Human…talk to a real person any time with 100% U.S.-based service.
  • Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
0%-14 mths* 0%-14 mths* 10.99 - 22.99% (V)* $0* Excellent Credit *
Intro - Purchases 0%-14 mths*
Intro - Balance Transfer 0%-14 mths*
Regular APR 10.99 - 22.99% (V)*
Annual Fee $0*
Credit Needed Excellent Credit *
Additional
Capital One® VentureOne℠ Rewards Credit Card
Ventureone_capitalone_cardart
Apply Here
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  • 1.25 miles per dollar on every purchase, every day and no annual fee
  • One-time bonus of 10,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $100 in travel
  • Redeem miles for airline tickets, hotel rooms, car rentals, and more
  • No limit on the miles you can earn and miles don't expire
  • Fly on any airline, any time with no blackout dates
  • 0% intro APR on purchases until June 2014
  • No foreign transaction fees
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
0%-until June 2014* N/A* 11.90%-19.90% (Variable)* $0* Excellent Credit *
Intro - Purchases 0%-until June 2014*
Intro - Balance Transfer N/A*
Regular APR 11.90%-19.90% (Variable)*
Annual Fee $0*
Credit Needed Excellent Credit *
Barclaycard® Rewards MasterCard® - Excellent Credit
Barclaycard_mastercard_cardart_110
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  • Earn 5,000 points, equal to a $50 statement credit, after your first purchase or balance transfer
  • 0% Introductory APR for 12 months on purchases and balance transfers
  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases
  • Earn 1 points per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up
  • This offer is for individuals with a good to excellent credit history which amongst other things is clear of bankruptcy and delinquent accounts
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
0%-12 mths* 0%-12 mths* 14.99%-24.99% (Variable)* $0* Excellent Credit *
Intro - Purchases 0%-12 mths*
Intro - Balance Transfer 0%-12 mths*
Regular APR 14.99%-24.99% (Variable)*
Annual Fee $0*
Credit Needed Excellent Credit *
Capital One® Platinum Prestige Credit Card
Platinumprestige_capitalone_cardart
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  • 0% intro APR until September 2014 on balance transfers
  • 0% intro APR until September 2014 on purchases
  • No annual fee
  • $0 Fraud Liability if your card is lost or stolen
  • 24-hour travel assistance gives you a replacement card and cash advance
  • 24-hour roadside assistance
  • Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
0%-until September 2014* 0%-until September 2014* 10.90%-18.90% (Variable)* $0* Excellent Credit *
Intro - Purchases 0%-until September 2014*
Intro - Balance Transfer 0%-until September 2014*
Regular APR 10.90%-18.90% (Variable)*
Annual Fee $0*
Credit Needed Excellent Credit *
Capital One® Venture℠ Rewards Credit Card
Venture_capitalone_cardart
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  • 2 miles per dollar on every purchase, every day
  • As seen in Money® Magazine’s “Best” issue three years in a row. - Money® Magazine May 2010, 2011, 2012
  • Earn 10,000 bonus miles when you spend $1,000 on purchases within the first 3 months, equal to $100 in travel
  • Redeem your miles for any travel expense
  • No limit on the miles you can earn and miles don't expire
  • Fly on any airline, any time with no blackout dates
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $59 after that
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 13.90%-20.90% (Variable)* $0 intro for first year; $59 after that* Excellent Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR 13.90%-20.90% (Variable)*
Annual Fee $0 intro for first year; $59 after that*
Credit Needed Excellent Credit *
Barclaycard® Ring MasterCard®
Barclaycardring
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  • A low 8% variable APR on balance transfers and purchases
  • No Annual Fees
  • No Balance Transfer Fees - start saving immediately!
  • Choose your card benefits and features
  • Get rewarded through the new Giveback program, where Barclaycard Ring members get money back for good performance
  • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
  • Learn more about personal finance from Barclaycard and other members*
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 8.00% Variable* $0* Excellent Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR 8.00% Variable*
Annual Fee $0*
Credit Needed Excellent Credit *
Discover it® Card - 18 Month Promotional Balance Transfer
Discover-it
Apply Here
[ Learn more ]
  • The new Discover it card is out to change the way people think about credit cards.
  • Fair…No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won’t increase your APR for paying late.*
  • Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
  • Plus a Cashback Concierge℠ who guides a free, personalized online tour to help you get the most rewards for how you use your card.
  • Flexible…Choose your own due date and pay up to midnight ET online or by phone.
  • Human…talk to a real person any time with 100% U.S.-based service.
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
0%-6 mths* 0%-18 mths* 10.99 - 22.99% (V)* $0* Excellent Credit *
Intro - Purchases 0%-6 mths*
Intro - Balance Transfer 0%-18 mths*
Regular APR 10.99 - 22.99% (V)*
Annual Fee $0*
Credit Needed Excellent Credit *
Citi ThankYou® Preferred Rewards Card - $150 Gift Card
Citi_thankyou_preferred_visa_ca
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  • Earn 15,000 bonus ThankYou Points after $1000 in card purchases within 3 months of account opening – enough for $150 in gift cards or other great rewards!
  • 0% intro APR on Balance Transfers and Purchases for 12 months.  After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
  • Earn 1 ThankYou Point for every $1 you spend on all purchases
  • No expiration and no limit on the points you can earn
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Earn extra points when you shop through the ThankYou® Bonus Center, a network of 600+ retailers you know and love
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
0%-12 mths* 0%-12 mths* 12.99%-22.99% (Variable)* $0* Good Credit *
Intro - Purchases 0%-12 mths*
Intro - Balance Transfer 0%-12 mths*
Regular APR 12.99%-22.99% (Variable)*
Annual Fee $0*
Credit Needed Good Credit *
U.S. Bank FlexPerks® Travel Rewards Visa Signature® card
113-flexperksusbank
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  • Get 17,500 bonus FlexPoints after the first $2,500 in net purchases in the first 150 days
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or redemption fees
  • Earn one FlexPoint for every $1 of eligible net purchases charged to your card
  • Earn two FlexPoints for every $1 spent on gas, grocery or airline purchases - whichever you spend most on each monthly billing cycle - and on most cell phone expenses
  • Earn Triple FlexPoints for your charitable donations
  • $0 Annual Fee* the first year, after that $49*
  • Earn 3,500 bonus FlexPoints each year when you spend $24,000 in Net Purchases. You can redeem these FlexPoints for your annual fee or combine them with other FlexPoints for travel
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
0%-12 billing cycles* 0%-12 billing cycles* 13.99%-23.99% (Variable)* $0 1st year, then $49* Excellent Credit *
Intro - Purchases 0%-12 billing cycles*
Intro - Balance Transfer 0%-12 billing cycles*
Regular APR 13.99%-23.99% (Variable)*
Annual Fee $0 1st year, then $49*
Credit Needed Excellent Credit *
Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back
2976
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  • $100 cash back after $500 in purchases within the first 3 months of account opening
  • 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment
  • Enroll at no additional cost each quarter for new categories that earn additional cash back
  • Full 1% cash back on all other purchases and eligible cash advances.
  • No Annual Fee*
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
0%-12 mths* 0%-12 mths* 12.99%-22.99% (Variable)* $0* Excellent Credit *
Intro - Purchases 0%-12 mths*
Intro - Balance Transfer 0%-12 mths*
Regular APR 12.99%-22.99% (Variable)*
Annual Fee $0*
Credit Needed Excellent Credit *

Related Offers

Springleaf Financial Loans
Springleaf
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  • Loans from $1,000 - $25,000 or more
  • Lower Interest rates
  • Loans for ANY Reason
  • Loans to meet your needs & fit your budget
  • 1,100 branch locations for your convenience
* See the online credit card application for details about terms and conditions.  Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply Here" button, you can review the credit card terms & conditions on the credit card issuer's website.
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Credit Card 321™ The Easy Guide to Credit Card Offers