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.
- 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12
- Annual Fee: $0
- Credit Needed: Good
| Introductory APR | Balance Transfer | Regular APR |
| 0% for 6 months* | 0% for 12 months* | 11.99-22.99% Variable* |
- Simplify your finances by consolidating your balances
- Enjoy $0 Fraud Liability protection
- Annual Fee: $0
- Credit Needed: Good
| Introductory APR | Balance Transfer | Regular APR |
| 0% until May 2013* | 0% until May 2013* | 10.9-18.9% Variable* |
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
- Annual Fee: $0
- Credit Needed: Excellent
| Introductory APR | Balance Transfer | Regular APR |
| 0% for 18 months* | 0% for 18 months* | 11.99-21.99% Variable* |
- Enjoy a 50% bonus on the cash back you earn every year
- Earn 1% cash back on all purchases
- New account holders can earn a one-time $100 bonus
- Annual Fee: $0
- Credit Needed: Good
| Introductory APR | Balance Transfer | Regular APR |
| 0% until February 2013* |
0% until February 2013* |
12.9-20.9% Variable* |
- 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
- Annual Fee: $0
- Credit Needed: Excellent
| Introductory APR | Balance Transfer | Regular APR |
| 0% for 18 months* | 0% for 18 months* | 11.99-21.99% Variable* |
- Earn 1.25 miles per dollar on every purchase, every day
- Fly free on any airline, any time, with no blackout dates
- For new accounts, earn 10,000 bonus miles
- No foreign transaction fees
- Annual Fee: $0
- Credit Needed: Good
| Introductory APR | Balance Transfer | Regular APR |
| 0% until February 2013* |
11.9-19.9% Variable* |
11.9-19.9% Variable* |
- Peace of mind through direct access to a service representative, no late fees and no penalty rate
- Annual Fee: $0
- Credit Needed: Excellent
| Introductory APR | Balance Transfer | Regular APR |
| 0% for 18 months* | 0% for 18 months* | 11.99-21.99% Variable* |
- Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
- Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
- Annual Fee: $0
- Credit Needed: Excellent
| Introductory APR | Balance Transfer | Regular APR |
| 0% for 12 months* | 17.24-22.24% Variable* |
17.24-22.24% Variable* |
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Annual Fee: $0
- Credit Needed: Excellent
| Introductory APR | Balance Transfer | Regular APR |
| 0% for 15 months* | 0% for 15 months* | 10.99-20.99% Variable* |
- $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
- 5 points for every $1 spent at restaurants and on books, movies and music.
- Annual Fee: $0
- Credit Needed: Good
| Introductory APR | Balance Transfer | Regular APR |
| 0% for 7 months* | 0% for 12 months* | 12.99-22.99% Variable* |
- $100 cash back after $500 in purchases within the first 3 months of account opening
- 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment. Each quarter, you can enroll to earn additional cash back in popular categories. To learn more, visit dividend.quarterlyoffer.citi.com.
- Full 1% cash back on all other purchases and eligible cash advances
- Annual Fee: $0
- Credit Needed: Excellent
| Introductory APR | Balance Transfer | Regular APR |
| 0% for 12 months* | 0% for 12 months* | 12.99-22.99% Variable* |
* Read Terms & Conditions on any credit card offer before you apply.
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.
