Low Interest Credit Card Offers
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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 of up to 21 months with low or no interest and watch your savings add up.
What you should know:
Don't Be Late!
Make a late payment and kiss your promotional rate goodbye. Be sure you don't miss a payment due date, so your low rate doesn't end early.
What's my Rate?
Each card application states its terms and conditions and gives a range of rates, showing the approximate highest and lowest possible APR. Your actual introductory APR will be determined when your application is approved.
Our Expert Advice:
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.
Excellent/Good Credit
Required FICO score for this card: 660 to 850
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.
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!
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Fee on Bal. Tr. | Activation Fee |
|---|---|---|---|---|---|
| 0% (until September 2014) | 0% (until September 2014) | 10.9% - 18.9% (V) | $0 | 3% | See terms |
- 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.
- No Foreign Transaction Fee.
- Covers against online fraud.
- Low balance transfer fee.
- High penalty APR.
- Must have good or excellent credit history.
Excellent Credit
Required FICO score for this card: 750 to 850
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!
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Fee on Bal. Tr. | Activation Fee |
|---|---|---|---|---|---|
| 0% (14 months) | 0% (14 months) | 10.99% - 22.99%± Variable | $0 | 3%± | $0 |
- 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 ConciergeSM 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.
- Longest 0% intro period on purchases from Discover.
- Does not charge overlimit fee.
- The safety is guaranteed.
- Charges a balance transfer fee.
Excellent Credit
Required FICO score for this card: 750 to 850
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!
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Fee on Bal. Tr. | Activation Fee |
|---|---|---|---|---|---|
| 0% (9 billing cycles) | 0% (9 billing cycles) | 13.99% - 23.99% (Variable) | $0 | 3% | $0 |
- Save an Additional 25¢ a gallon for the first three months when you redeem 100 fuel points at participating Kroger family of stores fuel centers.
- Earn free groceries faster at Kroger, King Soopers, Dillons Smith´s, Fry´s and QFC; 3 points per $1 spent on Kroger family of brand products.
- 2 points per $1 spent in the Kroger® family of stores (excluding fuel centers).
- 1 point per $1 spent anywhere Visa Cards are accepted.
- Every 1,000 points earned gets $5 in free groceries. Rewards sent automatically every quarter.
- 0% intro APR15 for first 9 billing cycles on purchases and balance transfers. After that, a variable APR currently 13.99% - 23.99%.
- $0 annual fee.15
- Three-in-one card: Rewards Card, Shopper´s Card and Visa Card.
- Earn rewards at the Kroger Family of Stores.
- Visa card benefits included.
- Should have excellent credit history to qualify.
Excellent/Good Credit
Required FICO score for this card: 660 to 850
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.
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!
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Fee on Bal. Tr. | Activation Fee |
|---|---|---|---|---|---|
| 0% (18 months)26 | 0% (18 months)26 | 11.99% - 21.99%26 (Variable) | $026 | 3% | $0 |
- Get 0% Intro APR on Balance Transfers and Purchases for 18 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® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item.
- Let our 24/7 concierge service help book your hotel rooms, flights and more.
- Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
- $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
- No annual fee.26
- VIP access to presale tickets for live entertainment.
- Buy now. Save later with Citi® Price Rewind.
- Get protected with Citi IdentityMonitor.
- No rewards on everyday purchases.
Excellent Credit
Required FICO score for this card: 750 to 850
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!
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Fee on Bal. Tr. | Activation Fee |
|---|---|---|---|---|---|
| n/a | n/a | 8.0% (Variable) | $0 | $0 | $0 |
- 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.
- Low APRs and no annual fee credit card.
- You can vote on benefits or features you want.
- Community-built credit card.
Excellent/Good Credit
Required FICO score for this card: 660 to 850
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.
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!
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Fee on Bal. Tr. | Activation Fee |
|---|---|---|---|---|---|
| 0% (18 months)26 | 0% (18 months)26 | 12.99% - 21.99% (Variable) | $026 | 3% | $0 |
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% 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.
- Good Promotional Period for balance transfer.
- No late fees or penalty rate.
- No rewards program.
Excellent Credit
Required FICO score for this card: 750 to 850
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!
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Fee on Bal. Tr. | Activation Fee |
|---|---|---|---|---|---|
| 0% (12 billing cycles) | 0% (12 billing cycles) | 13.99% or 20.99% (Variable) | $0 | 4% | $0 |
- 0% APR on purchases and balance transfers for the first 12 months after account opening (after that a variable APR currently 13.99% - 20.99%).
- Earn 5,000 bonus points when you use your card for the first time.
- Earn DOUBLE points on any Carnival™ purchase.
- Earn 1 point per $1 spent everywhere else.
- Redeem points for cruises on Carnival™ or other eligible World´s Leading Cruise Lines vacations, hotel or flight discounts, onboard gifts and services, merchandise or gift cards.
- No Annual Fee.
- Please see terms and conditions for complete details.
- Bonus points rewards program.
- Earn bonuses on balance transfer.
- Earn redemption off your next cruise.
- Balance transfers are not free.
Excellent/Good Credit
Required FICO score for this card: 660 to 850
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.
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!
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Fee on Bal. Tr. | Activation Fee |
|---|---|---|---|---|---|
| 0% (15 months)26 | 0% (15 months)26 | 12.99% - 22.99%26 (Variable) | $026 | 3% | $0 |
- Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness.26
- Earn 1 ThankYou Point for every $1 you spend on purchases.
- Enjoy no limit on the number of points you can earn.
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more.
- Travel with ease and enjoy global acceptance with Chip Technology.
- No annual fee.26
- Good Anniversary Bonus Program.
- $0 Liability on unauthorized charges.
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Fee on Bal. Tr. | Activation Fee |
|---|---|---|---|---|---|
| See terms | See terms | Various Rates | See terms | See terms | See terms |
- Click "APPLY HERE" to find card offers.
- See cards with features you want, like low intro rates, unlimited cash back or miles rewards, and more.
- Find the right card without affecting your credit score.
- Get your results in less than a minute.
- 24/7 account access.
- $0 Fraud Liability if your card is lost or stolen.
- Personalize your card with an image of your choice.
- Choose rewards program you prefer.
- No risk to your credit score.
- Get result in 60 seconds.
Excellent/Good Credit
Required FICO score for this card: 660 to 850
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.
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!
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Fee on Bal. Tr. | Activation Fee |
|---|---|---|---|---|---|
| 0% (12 months)26 | 0% (12 months)26 | 12.99% - 22.99%26 (Variable) | $026 | 3% | $0 |
- $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.26
- 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.26
- Convenient trip cancellation coverage.
- Straightforward cash back rewards.
- Covers against unauthorized transactions.
- High standard APR.
Excellent Credit
Required FICO score for this card: 750 to 850
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!
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Fee on Bal. Tr. | Activation Fee |
|---|---|---|---|---|---|
| 0% (15 billing cycles) | 0% (15 billing cycles) | 9.99% - 23.99% (Variable) | $0 | 3% | $0 |
- 0% Intro APR15 on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99% - 23.99%.
- No annual fee15.
- Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum.
- $0 fraud liability15 for unauthorized transactions if your card is ever lost or stolen.
- Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud.
- Online account management and account alerts.
- Pay bills automatically online.
- Receive your credit score at no cost.
- Manage credit online with Free Online Account Access.
- Must have good-to-excellent credit history.
Excellent/Good Credit
Required FICO score for this card: 660 to 850
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.
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!
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Fee on Bal. Tr. | Activation Fee |
|---|---|---|---|---|---|
| 0% (until June 2014) | n/a | 11.9% - 19.9% (V) | $0 | $0 | See terms |
- 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.
- Earn reward miles for every dollar you spend.
- Low standard APR.
- No balance transfer fees. .
- Must have good or excellent credit history to qualify.
Save Money with Low Interest Rate Cards
Banks issue credit cards at a 0% - 10% introductory APR - 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 interest rate of 11% - 23% APR.
- 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
latest news:
Bank of America Rewards Cardholders for Making Payments
March 05, 2013
A new credit card from Bank of America pays cardmembers up to $100 each year for making more than the minimum payment due on time every month. Customers can also get a $20 annual bonus if they have a savings or checking account with the bank.Continue reading
-
Justin Bieber Enters the Prepaid Card MarketApril 18, 2013
-
AmEx Brings Family Fun to Tribeca Film FestivalApril 12, 2013
related research:
Citi Simplicity: 18 months interest free with no late fees and no penalty APR
February 14, 2013
The Simplicity card from Citi lives up to its name – a simple card with a few great benefits. An 18-month 0% interest offer on balance transfers and purchases, plus no late fees or penalty APR, make this card stands out from the rest. Continue reading
-
Discover Open Road: 2% Cash Back on Gas and Dining and 14 Months Interest FreeJanuary 11, 2013
-
Bye, Bye, Balance Kiss Your Debt Goodbye with Chase SlateNovember 19, 2012
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!
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.
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Low Interest Cards Video
Save on Interest Charges with Low APR Credit Cards
September 19, 2012
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± Click apply for Terms & Conditions.
15 See Card Terms and Conditions.
26 See the Citi card terms and conditions online.