Low Interest Credit Cards
In order to get a credit card with low interest rates, you'll need a credit score that is excellent or good (700 and up). Listed below are the best low interest credit cards with regular APR's starting as low as 9.99%. Low rates are dependent upon your credit worthiness.
- This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts.
- Earn $50 Bonus Cash Back after your first purchase.
- 0% Intro APR for 12 months on balance transfers and 6 months on purchases - a variable APR as low as 9.99% - 22.99% after your 0% ends.
- 5% Cash Back on up to $1,500 spent on dining, department stores, movie theaters and charitable organizations from 10/1/11 - 12/31/11
- You'll enjoy new 5% categories every 3 months like supermarkets, gas, drugstores and even home improvement stores. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases without limits on what you can earn.
- Up to an additional 10% Cash Back when you shop online at select merchants through Chase.
- No annual fee and rewards never expire.
- 0% intro APR until November 2012 on balance transfers
- 0% intro APR until November 2012 on purchases
- No annual fee
- $0 Fraud Liability if your card is lost or stolen
- 24-hour travel & emergency assistance gives you a replacement card and cash advance
- 24-hour roadside assistance
- Travel accident insurance
- Pick an image for your card - choose the one shown here, any of the hundreds in our collection, or add your own
- 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 11.99%-20.99% based upon your creditworthiness.*
- $0 Liability on unauthorized purchases
- Citi® Identity Theft Solutions
- Secure, free online account management
- No annual fee*
- 1.25 miles per dollar on every purchase, every day
- Earn 10,000 bonus miles, 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 won't expire
- Fly free on any airline, any time with no blackout dates
- 0% intro APR on purchases until August 2012
- No foreign transaction fees
- No annual fee
- 0% intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 11.99% - 20.99%
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S. based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alerts
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
The main thing to know about applying for low interest credit cards is that if you do not qualify for the lowest rate available, then you can still get approved at a slightly higher rate. It really comes down to your credit score. Read our page on How To Get A FREE Credit Report so that you will know your actual FICO credit score before you apply.
