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 10.9%.

  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 - 6/30/12
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • Up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • No annual fee and rewards never expire
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
0% for 6 months* 0% for 12 months* 11.99% - 22.99% (V)* $0* Good to Excellent
  • 0% intro APR until June 2013 on purchases and balance transfers
  • $0 Fraud Liability if your card is lost or stolen
  • 24-hour travel assistance gives you a replacement card and cash advance
  • 24-hour roadside assistance
  • Pick an image for your cardóchoose the one shown here, any of the hundreds in our collection, or add your own
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
0% until 06/2013* 0% until 06/2013* 10.9% - 18.9% (V)* $0* Good to Excellent
  • 0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.*
  • Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
  • Citi® Identity Theft Solutions
  • Secure, free online account management
  • No annual fee*
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
0% for 18 months* 0% for 18 months* 11.99% - 21.99% (V)* $0* Excellent
  • $100 Bonus after you spend $500 in the first 3 months
  • 50% bonus on the cash back you earn every year
  • 1% cash back on all purchases
  • Earn unlimited cash rewards that don't expire
  • Redeem cash rewards anytime for any amount, even set up automatic redemption
  • Personalize your card with an image of your choice
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
0% until 03/2013* 0% until 03/2013* 12.9% - 20.9% (V)* $0* Good to Excellent
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.*
  • 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
  • Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
0% for 18 months* 0% for 18 months* 11.99% - 21.99% (V)* $0* Excellent
  • 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
  • No foreign transaction fees
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
0% until 03/2013* N/A 11.9% - 19.9% (V)* $0* Good to Excellent
  • 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.
  • Peace of mind through direct access to a service representative, no late fees and no penalty rate
  • Secure, free online account management
  • No annual fee
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
0% for 18 months* 0% for 18 months* 12.99% - 21.99% (V)* $0* Excellent
  • Earn $100 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
  • 0% intro APR on purchases for 12 months, flexibility to pay over time
  • Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
  • No spend minimum, No enrollment, and No rotating rewards categories
  • Get a $25 Referral Bonus for each friend or family member who is approved for the Card
  • No annual fee, flexibility to pay over time
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
0% for 12 months* N/A 17.24% - 22.24% (V)* $0* Excellent
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus automatic mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
0% for 6 months* 0% for 18 months* 10.99% - 20.99% (V)* $0* Excellent
  • $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
  • 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable
  • 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
  • APR reduction on purchases when using credit wisely
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
0% for 12 months* 0% for 12 months* 12.99% - 22.99% (V)* $0* Good to Excellent
  • $100 cash back after $500 in purchases within the first 3 months of account opening
  • 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • 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.
  • Full 1% cash back on all other purchases and eligible cash advances.
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
0% for 12 months* 0% for 12 months* 12.99% - 22.99% (V)* $0* Excellent

* 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 and the bank's evaluation of your creditworthiness. Read our page on How To Get A FREE Credit Report so that you will know your actual FICO credit score before you apply.

Updated - Tueday, July 7th, 2014
Bank Card Finder - Copyright © 2004 - 2014 Web Exordium, LLC.