Low APR Credit Cards

Advertising Disclosure

Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

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.

Excellent, Good Credit
Discover it® - Cashback Match™
Compare
Key Feature: Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Application Processing Fee
0% (14 months)0% (14 months)11.49% – 23.49% Variable$03%See terms
Card Details:
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Our Expert Opinion
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.

See card details
Capital One® VentureOne® Rewards Credit Card
Compare
Key Feature: Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Application Processing Fee
0% intro on purchases for 12 monthsN/A12.49% - 22.49% (Variable)$0$0See terms
Card Details:
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, 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 for 12 months; 12.49%-22.49% 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
Our Expert Opinion
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, 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

See card details
Excellent/Good Credit
Citi® Diamond Preferred® Card
Compare
Key Feature: Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 13.24%-23.24% based upon your creditworthiness.*
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Application Processing Fee
0% (21 months)*0% (21 months)*13.24% - 23.24%* (Variable)$0*3%See terms
Card Details:
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 13.24%-23.24% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
  • Free access to FICO® Scores*
Our Expert Opinion
  • 0% intro APR on purchases and balance transfers.
  • Get protected with Citi® Identity Theft Solutions.
  • Free access to FICO® Scores.

  • Balance transfer fee is 3% of each balance transfer.
See card details
Citi Simplicity® Card - No Late Fees Ever
Compare
Key Feature: 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.24%-24.24% based on your creditworthiness.
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Application Processing Fee
0% (21 months)*0% (21 months)*14.24% - 24.24% (variable)$0*3%See terms
Card Details:
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER.
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.24% - 24.24% 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 same great rate for all balances, after the introductory period.
  • Save time when you call with fast, personal help, 24 hours a day – just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month.
Our Expert Opinion
  • Zero intro APR on purchases and balance transfers.
  • No late fees or penalty rate.
  • No annual fee.

  • No rewards program.
See card details
Capital One® Venture® Rewards Credit Card
Compare
Key Feature: Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Application Processing Fee
N/AN/A13.49% - 23.49% (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 3 months of approval, 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
  • $0 intro annual fee for the first year; $59 after that
  • Limited Time Offer: Get a metal Venture Card when you apply today
Our Expert Opinion
  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime

See card details
Barclaycard Ring™ Mastercard®
Compare
Key Feature: No balance transfer fees
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Application Processing Fee
0% (15 months)0% (15 months (on balance transfers made within 45 days of account opening))13.49% Variable$0NoneSee terms
Card Details:
  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.49%
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score
Our Expert Opinion
  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.49%
  • No balance transfer fees
  • No foreign transaction fees

See card details
Discover it® Miles – Unlimited 1.5x Rewards Card
Compare
Key Feature: Unlimited 1.5x rewards on every purchase, every day. For every $1 you spend, you earn 1.5x Miles.
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Application Processing Fee
0% (14 months)10.99% (14 months)11.49% – 23.49% Variable$03%See terms
Card Details:
  • Unlimited 1.5x rewards on every purchase, every day. For every $1 you spend, you earn 1.5x Miles.
  • Get a mile-for-mile match of all the rewards you’ve earned at the end of your first year, automatically.
  • Redeem your rewards in any amount for cash or a travel credit. You’ll always get $1 for every 100 Miles you’ve earned.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • 100% U.S. based customer service. Talk to a real person any time.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
Our Expert Opinion
  • Unlimited 1.5x rewards on every purchase, every day. For every $1 you spend, you earn 1.5x Miles.
  • Get a mile-for-mile match of all the rewards you’ve earned at the end of your first year, automatically.
  • Redeem your rewards in any amount for cash or a travel credit. You’ll always get $1 for every 100 Miles you’ve earned.

See card details
Capital One® Quicksilver® Cash Rewards Credit Card
Compare
Key Feature: Earn unlimited 1.5% cash back on every purchase, every day
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Application Processing Fee
0% intro on purchases for 9 months0% intro on balance transfers for 9 months13.49% - 23.49% (Variable)$03%See terms
Card Details:
  • One-time $100 cash bonus after you spend $500 on purchases within 3 months of approval
  • 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
  • 0% intro APR on purchases for 9 months; 13.49%-23.49% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.49%-23.49% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
Our Expert Opinion
  • One-time $100 cash bonus after you spend $500 on purchases within 3 months of approval
  • 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

See card details
Excellent/Good Credit
JetBlue Card
Compare
Key Feature: Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Application Processing Fee
N/A0% introductory APR (First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening)12.49%, 20.49% or 25.49% variable$03%See terms
Card Details:
  • Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
  • Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
  • Points awarded in your TrueBlue account don't expire.
  • Earn and share points together with Family Pooling.
  • 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
  • No foreign transaction fees
  • Chip technology & $0 Fraud Liability protection
Our Expert Opinion
  • Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
  • Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.

See card details
Barclaycard CashForward™ World MasterCard®
Compare
Key Feature: Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
Expert Rating:
Summary of Card Features:
Intro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Application Processing Fee
N/A0% (15 months (on balance transfers made within 45 days of account opening))15.24%, 20.24% or 25.24%* Variable$03%See terms
Card Details:
  • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into your bank account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that a variable APR will apply, 15.24%, 20.24% or 25.24%, based on your creditworthiness. Please note, there is a fee for balance transfers
  • No annual fee
Our Expert Opinion
  • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption

See card details

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

latest news:

The Sky's The Limit for Parents During the Holidays The Sky's The Limit for Parents During the Holidays

Do you find yourself spending more money than you planned during the holidays to make your kids dreams come true?Continue reading

    More low APR cards news

    related research:

    Starting from Zero: A Guide to Zero-Percent Balance TransfersStarting from Zero: A Guide to Zero-Percent Balance Transfers

    Just after college, when I was a new user of credit cards and trying to pay off some debt I’d managed to accrue with a student credit card, a friend of mine gave me a piece of advice. “Play the balance-transfer game,” he said, going on to ...Continue reading

    More low APR cards research

    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

    Low APR Credit Cards
    Latest Deals & Tips
    about Low APR Credit
    Cards in your inbox.
    Subscribe for FREE!

    Low Interest Cards Video

    Save on Interest Charges with Low APR Credit Cards

    June 18, 2015

    Questions & Answers about
    Low Interest Cards

    See Also Other Card Offers: