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Low APR Credit Cards

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Credit Card Applications » Low Interest Credit Cards

Low Interest Credit Card Offers

Low APR Credit Cards
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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.

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 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
  • Enjoy 0% Intro APR for 15 months.
  • Earn additional cash back as you pay for your purchases.
  • Pay NO annual fee.

  • Balance transfer fee applies.
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: Get 0% intro APR on all purchases until November 2015
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
November
2015)
0%
(until
November
2015)
10.9% -
18.9% (V)
$03%See terms
Card Details:
  • Get 0% intro APR on all purchases until November 2015.
  • Balance transfers also have a 0% intro APR until November 2015, a 3% fee applies to each balance transferred.
  • Enjoy no annual fee.
  • Get peace of mind with fraud coverage if your card is lost or stolen.
  • Enjoy extended warranty protection on eligible items purchased with your card.
  • Fast and easy access, 24/7.
  • Rent a car using your card and get collision, damage, and loss insurance.
  • Feel secure with 24-hour roadside assistance.
Our Expert Opinion
  • No Foreign Transaction Fee.
  • Covers against online fraud.
  • Low balance transfer fee.

  • High penalty APR.
  • Must have good or excellent credit history.
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 18 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%
(18 months)26
0%
(18 months)26
12.99% -
21.99% (Variable)
$0263%$0
Card Details:
  • 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.
Our Expert Opinion
  • Good Promotional Period for balance transfer.
  • No late fees or penalty rate.

  • 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 termsVarious RatesSee 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
  • Choose rewards program you prefer.
  • No risk to your credit score.
  • Get result in 60 seconds.

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 Purchases and Balance Transfers for 14 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%
(14 months)
0%
(14 months)
10.99% -
22.99% Variable±
$03%±$0
Card Details:
  • 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Rated 4.8 out of 5 stars by over 5,000 cardmembers.±
  • No annual fee, no late fee for your first late payment - APR won´t go up for paying late, no overlimit fee and no foreign transaction fee.±
  • Free FICO® Credit Score online and on monthly statements.±
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up±. 1% cash back on all other purchases.
  • Each Discover purchase is monitored. If it´s unusual, you´re alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S. - based customer service - anytime, day and night.
  • ±See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Our Expert Opinion
  • Longest 0% intro period on purchases from Discover.
  • Does not charge overlimit fee.
  • The safety is guaranteed.

  • Charges a 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: Get 0% Intro APR on Balance Transfers and Purchases for 18 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%
(18 months)26
0%
(18 months)26
11.99% -
21.99%26 (Variable)
$0263%$0
Card Details:
  • 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® 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
  • VIP access to presale tickets for live entertainment.
  • Get protected with Citi IdentityMonitor.
  • Earn Citi Easy Deals Points for purchases.

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

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: No Balance Transfer Fees - start saving immediately!
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/a8.0%* (Variable)$0$0$0
Card Details:
  • No Balance Transfer Fees - start saving immediately!
  • A low 8% variable APR on balance transfers and purchases.
  • No Annual Fees.
  • 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.
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
Our Expert Opinion
  • Low APRs and no annual fee credit card.
  • You can vote on benefits or features you want.

  • Community-built credit card.
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: 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
2015)
n/a11.9% -
19.9% (V)
$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 on every purchase, every day.
  • No annual fee.
  • Fly any airline, stay at any hotel, anytime.
  • Enjoy a low intro APR on purchases.
  • Travel when you want - no blackout dates.
  • Miles don′t expire.
  • No limit to the miles you can earn.
Our Expert Opinion
  • Earn reward miles for every dollar you spend.
  • Low standard APR.
  • No balance transfer fees.

  • Must have good or excellent credit history to qualify.
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: Simply Long 0% Introductory Periods
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%
(18 months)26
0%
(18 months)26
12.99% -
21.99% (Variable)
$0263%$0
Card Details:
  • 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.
Our Expert Opinion
  • Good Promotional Period for balance transfer.
  • No late fees or penalty rate.

  • No rewards program.
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%
(14 months)
0%
(14 months)
10.99% -
22.99% Variable±
$03%±$0
Card Details:
  • 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 and balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee.±
  • Free FICO® Credit Score online and on your monthly statement so you can track your score´s progress.±
  • Each Discover purchase is monitored. If it´s unusual, you´re alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S. based customer service - anytime, day and night.
  • ±See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Our Expert Opinion
  • Double cash back on gas and restaurants.
  • 14-month 0% Intro APR on purchases and balance transfers.
  • No foreign transaction fee.

  • 3% balance transfer fee.
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 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
2015)
0%
(until
May
2015)
12.9% -
22.9% (V)
$03%See terms
Card Details:
  • One-time $100 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 and no sign ups needed to earn cash rewards.
  • Redeem the cash back you earn for any amount, any time.
  • Your cash back doesn′t expire.
  • 0% intro APR on all purchases until May 2015.
  • Balance transfers also have a 0% intro APR until May 2015, a 3% fee applies to each balance transferred.
  • No annual fee.
Our Expert Opinion
  • Spend $500 within 3 months and get a $100 bonus.
  • Earn as much cash back as you can, there are no caps.
  • Get your cash back at any time.

  • For people with excellent or good credit.
See card details

± Click apply for Terms & Conditions.
26 See the Citi card terms and conditions online.

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. These are the approximate highest and lowest possible APR. Your actual introductory APR 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

    Low Interest Cards Video

    Save on Interest Charges with Low APR Credit Cards

    Questions & Answers about
    Low Interest Cards

    Have a question regarding credit cards?

    Ask our expert and get a FREE professional consultation by e-mail.

    Leo Zhu
    Credit-Land Expert on Credit Cards

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