Best Low APR Credit Cards from our partners

ADVERTISING DISCLOSURE

ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most 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 of November 2018

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.

Cards of November 2018
0% on Purchases
No Annual Fee
Rewards
Excellent, Good Credit
Discover Card: Discover it® Cash Back
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% (14 months)
0% (14 months)
13.99% - 24.99% Variable
$0
CARD DETAILS:
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Capital One®: Capital One® Venture® Rewards Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
14.74% - 24.74% (Variable)
$0 intro for first year; $95 after that
CARD DETAILS:
  • Click «APPLY ONLINE» to apply now
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
Citibank®: Citi Simplicity® Card - No Late Fees Ever
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0%* 12 months on Purchases*
0%* 21 months on Balance Transfers*
15.99% - 25.99%* (Variable)
$0*
CARD DETAILS:
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full
  • There is a balance transfer fee of either $5 or 5% 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
Capital One®: Capital One® SavorOne℠ Cash Rewards Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
14.74% - 24.74% (Variable)
$0
CARD DETAILS:
  • Click «APPLY ONLINE» to apply now
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74% - 24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74% - 24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
Excellent, Good Credit
Discover Card: Discover it® Miles
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% (14 months)
10.99% (14 months)
13.99% - 24.99% Variable
$0
CARD DETAILS:
  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match™ details & other information.
Capital One®: Capital One® VentureOne® Rewards Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% intro on purchases for 12 months
N/A
13.74% - 23.74% (Variable)
$0
CARD DETAILS:
  • Click «APPLY ONLINE» to apply now
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Citibank®: Citi® Double Cash Card – 18 month BT offer
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
0% 18 months on Balance Transfers*
15.49% - 25.49%* (Variable)
$0*
CARD DETAILS:
  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*
Good, Excellent Credit
HSBC Bank: HSBC Gold Mastercard® credit card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% Intro APR for 18 months
0% Intro APR for 18 months
Variable APR of 12.99%, 16.99% or 20.99%
None
See Rates & Fees
CARD DETAILS:
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99%, 16.99% or 20.99% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
USAA Federal Savings Bank: USAA® Rate Advantage Visa Platinum® Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
8.90% - 25.90% Variable
$0
CARD DETAILS:
  • Enjoy USAA's lowest rate card.
  • No annual fee, no foreign transaction fees, no penalty APR.
  • USAA membership is available to active and former military and their eligible family members
Good/Excellent Credit
Barclays: Barclaycard Ring® Mastercard®
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
0% intro APR for 15 months on balance transfers made within 45 days of account opening.
13.99% Variable
$0
See Rates & Fees
CARD DETAILS:
  • Click «APPLY ONLINE» to apply now
  • Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 13.99% APR will apply
  • Low 13.99% variable APR on purchases and cash advances
  • No annual fee
  • No foreign transaction fees
  • International Chip and PIN
Capital One®: Capital One® Quicksilver® Cash Rewards Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
14.74% - 24.74% (Variable)
$0
CARD DETAILS:
  • Click «APPLY ONLINE» to apply now
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • 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 won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Amalgamated Bank of Chicago: Amalgamated Bank of Chicago Platinum Rewards Mastercard® Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% for 12 months
0% for 12 months
14.90% - 24.90% Variable
$0
CARD DETAILS:
  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 14.90% - 24.90%, based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Unlimited Points That Don't Expire
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
Excellent, Good Credit
Discover Card: Discover it® chrome
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% (14 months)
0% (14 months)
13.99% - 24.99% Variable
$0
CARD DETAILS:
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Amalgamated Bank of Chicago: Amalgamated Bank of Chicago Union Strong Mastercard® Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% for 12 months
0% for 12 months
11.25% (V)
$0
CARD DETAILS:
  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 11.25% (V)
  • Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Unlimited Points That Don’t Expire
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
Citibank®: Citi ThankYou® Preferred Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% 15 months on Purchases*
0% 15 months on Balance Transfers*
15.49% - 25.49%* (Variable)
$0*
CARD DETAILS:
  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 15.49% - 25.49% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*
Excellent, Good Credit
Discover Card: Discover it® Cash Back
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% (14 months)
0% (14 months)
13.99% - 24.99% Variable
$0
CARD DETAILS:
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Capital One®: Capital One® VentureOne® Rewards Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% intro on purchases for 12 months
N/A
13.74% - 23.74% (Variable)
$0
CARD DETAILS:
  • Click «APPLY ONLINE» to apply now
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Good, Excellent Credit
HSBC Bank: HSBC Gold Mastercard® credit card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% Intro APR for 18 months
0% Intro APR for 18 months
Variable APR of 12.99%, 16.99% or 20.99%
None
See Rates & Fees
CARD DETAILS:
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99%, 16.99% or 20.99% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
Citibank®: Citi Simplicity® Card - No Late Fees Ever
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0%* 12 months on Purchases*
0%* 21 months on Balance Transfers*
15.99% - 25.99%* (Variable)
$0*
CARD DETAILS:
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full
  • There is a balance transfer fee of either $5 or 5% 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
Capital One®: Capital One® Quicksilver® Cash Rewards Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
14.74% - 24.74% (Variable)
$0
CARD DETAILS:
  • Click «APPLY ONLINE» to apply now
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • 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 won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Amalgamated Bank of Chicago: Amalgamated Bank of Chicago Platinum Rewards Mastercard® Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% for 12 months
0% for 12 months
14.90% - 24.90% Variable
$0
CARD DETAILS:
  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 14.90% - 24.90%, based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Unlimited Points That Don't Expire
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
Capital One®: Capital One® SavorOne℠ Cash Rewards Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
14.74% - 24.74% (Variable)
$0
CARD DETAILS:
  • Click «APPLY ONLINE» to apply now
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74% - 24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74% - 24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
Amalgamated Bank of Chicago: Amalgamated Bank of Chicago Union Strong Mastercard® Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% for 12 months
0% for 12 months
11.25% (V)
$0
CARD DETAILS:
  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 11.25% (V)
  • Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Unlimited Points That Don’t Expire
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
Citibank®: Citi ThankYou® Preferred Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% 15 months on Purchases*
0% 15 months on Balance Transfers*
15.49% - 25.49%* (Variable)
$0*
CARD DETAILS:
  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 15.49% - 25.49% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*
Excellent, Good Credit
Discover Card: Discover it® Miles
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% (14 months)
10.99% (14 months)
13.99% - 24.99% Variable
$0
CARD DETAILS:
  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match™ details & other information.
Citibank®: Citi® Double Cash Card – 18 month BT offer
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
0% 18 months on Balance Transfers*
15.49% - 25.49%* (Variable)
$0*
CARD DETAILS:
  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*
Capital One®: Capital One® VentureOne® Rewards Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% intro on purchases for 12 months
N/A
13.74% - 23.74% (Variable)
$0
CARD DETAILS:
  • Click «APPLY ONLINE» to apply now
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Citibank®: Citi ThankYou® Preferred Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% 15 months on Purchases*
0% 15 months on Balance Transfers*
15.49% - 25.49%* (Variable)
$0*
CARD DETAILS:
  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 15.49% - 25.49% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*
Good, Excellent Credit
HSBC Bank: HSBC Gold Mastercard® credit card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% Intro APR for 18 months
0% Intro APR for 18 months
Variable APR of 12.99%, 16.99% or 20.99%
None
See Rates & Fees
CARD DETAILS:
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99%, 16.99% or 20.99% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
Excellent, Good Credit
Discover Card: Discover it® Cash Back
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% (14 months)
0% (14 months)
13.99% - 24.99% Variable
$0
CARD DETAILS:
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Amalgamated Bank of Chicago: Amalgamated Bank of Chicago Platinum Rewards Mastercard® Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% for 12 months
0% for 12 months
14.90% - 24.90% Variable
$0
CARD DETAILS:
  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 14.90% - 24.90%, based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Unlimited Points That Don't Expire
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
USAA Federal Savings Bank: USAA® Rate Advantage Visa Platinum® Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
8.90% - 25.90% Variable
$0
CARD DETAILS:
  • Enjoy USAA's lowest rate card.
  • No annual fee, no foreign transaction fees, no penalty APR.
  • USAA membership is available to active and former military and their eligible family members
Good/Excellent Credit
Barclays: Barclaycard Ring® Mastercard®
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
0% intro APR for 15 months on balance transfers made within 45 days of account opening.
13.99% Variable
$0
See Rates & Fees
CARD DETAILS:
  • Click «APPLY ONLINE» to apply now
  • Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 13.99% APR will apply
  • Low 13.99% variable APR on purchases and cash advances
  • No annual fee
  • No foreign transaction fees
  • International Chip and PIN
Amalgamated Bank of Chicago: Amalgamated Bank of Chicago Union Strong Mastercard® Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% for 12 months
0% for 12 months
11.25% (V)
$0
CARD DETAILS:
  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 11.25% (V)
  • Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Unlimited Points That Don’t Expire
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
Capital One®: Capital One® SavorOne℠ Cash Rewards Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
14.74% - 24.74% (Variable)
$0
CARD DETAILS:
  • Click «APPLY ONLINE» to apply now
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74% - 24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74% - 24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
Citibank®: Citi Simplicity® Card - No Late Fees Ever
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0%* 12 months on Purchases*
0%* 21 months on Balance Transfers*
15.99% - 25.99%* (Variable)
$0*
CARD DETAILS:
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full
  • There is a balance transfer fee of either $5 or 5% 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
Capital One®: Capital One® Quicksilver® Cash Rewards Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
14.74% - 24.74% (Variable)
$0
CARD DETAILS:
  • Click «APPLY ONLINE» to apply now
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • 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 won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Excellent, Good Credit
Discover Card: Discover it® Cash Back
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% (14 months)
0% (14 months)
13.99% - 24.99% Variable
$0
CARD DETAILS:
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Excellent, Good Credit
Discover Card: Discover it® Miles
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% (14 months)
10.99% (14 months)
13.99% - 24.99% Variable
$0
CARD DETAILS:
  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match™ details & other information.
Capital One®: Capital One® Venture® Rewards Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
14.74% - 24.74% (Variable)
$0 intro for first year; $95 after that
CARD DETAILS:
  • Click «APPLY ONLINE» to apply now
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
Citibank®: Citi ThankYou® Preferred Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% 15 months on Purchases*
0% 15 months on Balance Transfers*
15.49% - 25.49%* (Variable)
$0*
CARD DETAILS:
  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 15.49% - 25.49% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*
Capital One®: Capital One® VentureOne® Rewards Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% intro on purchases for 12 months
N/A
13.74% - 23.74% (Variable)
$0
CARD DETAILS:
  • Click «APPLY ONLINE» to apply now
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Amalgamated Bank of Chicago: Amalgamated Bank of Chicago Union Strong Mastercard® Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% for 12 months
0% for 12 months
11.25% (V)
$0
CARD DETAILS:
  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 11.25% (V)
  • Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Unlimited Points That Don’t Expire
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
Capital One®: Capital One® Quicksilver® Cash Rewards Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
14.74% - 24.74% (Variable)
$0
CARD DETAILS:
  • Click «APPLY ONLINE» to apply now
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • 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 won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Citibank®: Citi® Double Cash Card – 18 month BT offer
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
0% 18 months on Balance Transfers*
15.49% - 25.49%* (Variable)
$0*
CARD DETAILS:
  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*
Amalgamated Bank of Chicago: Amalgamated Bank of Chicago Platinum Rewards Mastercard® Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% for 12 months
0% for 12 months
14.90% - 24.90% Variable
$0
CARD DETAILS:
  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 14.90% - 24.90%, based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Unlimited Points That Don't Expire
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
Capital One®: Capital One® SavorOne℠ Cash Rewards Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
14.74% - 24.74% (Variable)
$0
CARD DETAILS:
  • Click «APPLY ONLINE» to apply now
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74% - 24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74% - 24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee


Not Sure Which Card to Choose? Ask Our Experts!
Leo Zhu
Leo Zhu, CreditLand Consultant on Credit Card Questions

Save Money with Low Interest Rate Cards

Banks issue credit cards with a significantly low or 0% introductory APR - sometimes for as long as about two years, depending on the bank's individual policies. Once the 0% or low interest offer ends, you'll pay a more typical ongoing interest rate which 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.

See also Credit Cards for:

750-850
Credit Score
700-749
Credit Score
640-699
Credit Score
350-639
Credit Score

Latest Deals & Tips

about the Best Credit Cards For You in your inbox.
Subscribe for FREE!
You've successfully subscribed!

Please specify the following:All these fields are optional

Your Credit History
Themes you are interested in:

By providing this information you help us make our news letters more useful and informative. Thank you!