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Credit Card Applications » Low Interest Credit Cards

Low Interest Credit Card Offers

If you need to carry a balance on your credit card, a low interest credit card is the way to go. Do you have a big purchase on the horizon, but can't lay out all the cash at once? Spread payments over an introductory period with low or no interest and watch your savings add up.

Keep an eye on due dates, because once you make a late payment you can kiss your promotional rate goodbye. Be sure you don't miss a payment due date, so your low rate doesn't end early. Also, pay off the entire balance of the card before the introductory rate expires, and then only use the card for purchases you can pay off right away.

Sort Cards by:RatingIntro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
Excellent/Good Credit

Excellent/Good Credit
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments every month.

This credit offer is only for people with Excellent or Good credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0% (until August 2016)N/A11.9% - 21.9% (Variable)$0$0See terms
Card Details:
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases until August 2016; 11.9%-21.9% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles don′t expire and there′s no limit to how many you can earn
  • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts
Our Expert Opinion
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
  • Fly any airline, stay at any hotel, anytime
  • No foreign transaction fees

See card details
Excellent Credit

Excellent Credit
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.

This credit offer is only for people with Excellent credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 0% intro APR on Purchases and Balance Transfers for 12 months
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0% (12 months)0% (12 months)10.99% - 22.99% Variable*$03%$0
Card Details:
  • New! Double all the cash back you´ve earned at the end of your first year automatically - only for new cardmembers.*
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more -up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • 0% intro APR on purchases & balance transfers for 12 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.* Plus get 100% U.S.-based service.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won´t raise your APR.*
  • Each Discover purchase is monitored. If it´s unusual, you´re alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, FICO® Credit Score terms & other info by clicking "Apply."
Our Expert Opinion
  • 0% intro APR on purchases & balance transfers.
  • No overlimit fee.
  • Free FICO® Credit Score.
  • No foreign transaction fee.

  • Balance transfer fee 3%.
See card details
Excellent/Good Credit

Excellent/Good Credit
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments every month.

This credit offer is only for people with Excellent or Good credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0% (until May 2016)0% (until May 2016)12.9% - 22.9% (Variable)$03%See terms
Card Details:
  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn′t expire and there′s no limit to how much you can earn
  • Get a 20% Statement Credit on Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until May 2016; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until May 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Capital One® Credit Tracker - a free way to easily monitor your monthly credit score anytime, anywhere
Our Expert Opinion
  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
  • 0% intro APR on purchases until May 2016; 12.9% - 22.9% variable APR after that
  • Pay no annual fee or foreign transaction fees

See card details
Excellent Credit

Excellent Credit
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.

This credit offer is only for people with Excellent credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Get 0% Intro APR on Balance Transfers and Purchases for 21 months
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0% (21 months)260% (21 months)2611.99% - 21.99%26 (Variable)$0263%$0
Card Details:
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.26
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee.26
Our Expert Opinion
  • 0% intro APR on balance transfers.
  • Get protected with Citi® Identity Theft Solutions.
  • Earn Citi Easy Deals Points for purchases.

  • Balance transfer fee is 3% of each balance transfer.
See card details
Excellent/Good Credit

Excellent/Good Credit
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments every month.

This credit offer is only for people with Excellent or Good credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Fly any airline, stay at any hotel, anytime
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
N/AN/A12.9% - 22.9% (Variable)$0 intro for first year;
$59 after that
$0See terms
Card Details:
  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don′t expire and there′s no limit to how many you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $59 after that
  • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts
Our Expert Opinion
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Miles don′t expire and there′s no limit to how many you can earn

See card details
Excellent Credit

Excellent Credit
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.

This credit offer is only for people with Excellent credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 0% on Balance Transfers and Purchases for 21 months
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0% (21 months)260% (21 months)2612.99% - 22.99% (Variable)$0263%$0
Card Details:
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER.
  • No penalty rate - EVER.
  • No annual fee - EVER.
  • Save time when you call with fast, personal help, 24 hours a day.
Our Expert Opinion
  • Zero intro APR on balance transfers.
  • No late fees or penalty rate.
  • No annual fee.

  • No rewards program.
See card details
Capital One® Card Finder Tool
Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Find card offers you may be eligible for without affecting your credit score
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
See TermsSee TermsSee TermsSee TermsSee TermsSee terms
Card Details:
  • Find card offers you may be eligible for without affecting your credit score
  • Get matched to features you want like low intro rates, cash back or miles, and more
  • See your card matches in less than 60 seconds
  • Find a card for where you are to help you prepare for what′s ahead
  • All Capital One cards come with fraud coverage if your card is lost or stolen
  • 24/7 account access including mobile app for fast and easy account management - right from your smartphone
  • Pick the monthly payment due date that works best for you
  • Pay the way you want - by check, online, or at a local branch
More details
Our Expert Opinion
  • Find card offers you may be eligible for without affecting your credit score
  • See your card matches in less than 60 seconds
  • Pick the monthly payment due date that works best for you

See card details
Excellent Credit

Excellent Credit
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.

This credit offer is only for people with Excellent credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 2% Cash Back on up to $1,000 in combined purchases at Restaurants and Gas Stations every quarter—no sign-ups needed
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0% (12 months)0% (12 months)10.99% - 22.99% Variable*$03%$0
Card Details:
  • New! Double all the cash back you´ve earned at the end of your first year automatically - only for new cardmembers.*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed.* 1% cash back on all your other purchases.
  • 0% intro APR on purchases & balance transfers for 12 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.* Plus get 100% U.S.-based service.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won´t raise your APR.*
  • Each Discover purchase is monitored. If it´s unusual, you´re alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, FICO® Credit Score terms & other info by clicking "Apply."
Our Expert Opinion
  • 2% cash back at gas stations and restaurants.
  • 0% intro APR on purchases & balance transfers for 12 months.
  • No foreign transaction fee.
  • No annual fee.

  • 3% balance transfer fee.
See card details
Excellent Credit

Excellent Credit
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.

This credit offer is only for people with Excellent credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 0% on Balance Transfers and Purchases for 15 months
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0%
(15 months)26
0%
(15 months)26
12.99% -
22.99%26 (Variable)
$0263%$0
Card Details:
  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99%, based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The only card that earns you cash back TWICE on every purchase with:
  • 1% cash back when you buy.
  • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time.26
  • No Category Restrictions, No Caps, No Enrollments in Rotating Categories.
  • No Annual Fee.
Our Expert Opinion
  • 0% Intro APR for 15 months.
  • Earn cash back as you pay for your purchases.
  • No annual fee.

  • Balance transfer fee applies.
See card details

26 See the Citi card terms and conditions online.

Save Money with Low Interest Rate Cards

Banks issue credit cards with introductory APR from 0% and up to about 10% - sometimes for as long as 21 months, depending on the bank's individual policies. Once the 0% or low interest offer ends, you'll pay a more typical ongoing interest rate wich will be determined when your application is approved.

  • A great credit score allows you to qualify for low-interest offers from rewards cards that give tons of perks like gas rewards, cash back, roadside assistance, travel, and more.
  • Credit card companies must give a 21-day grace period after a low-interest introductory period ends and before interest begins to accrue on your account. The Credit Accountability, Responsibility, and Disclosure Act (CARD Act) of 2009 requires it.
  • With a low interest rate, you'll save money each month even if you can't fully pay off your bill and must carry a balance at the end of your introductory period.
  • The low interest APRs offered on both purchases and balance transfers are usually an introductory promotion, and after it ends you'll pay a higher ongoing rate for both. Preserve the lowest possible rate on your card by never missing a payment.

Our Experts about Low Interest Credit Cards

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Try Our Credit Card Tools:

Use these tools to make some helpful calculations and comparisons to build your own plan for managing your credit health.

Balance Transfer Calculator: Save on average $1,400!

Balance Transfer Calculator

Carrying a balance? Find out how much you'll save - and how much faster you'll pay it off - by transferring your balance to a new card. Our Balance Transfer Calculator does the math for you and eliminates the guesswork.

User level: Above average

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Save on Interest Charges with Low APR Credit Cards

June 18, 2015

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