Low Interest Credit Cards
In an ideal world, everyone would be able to pay off their credit card balances in full each month. But the reality is that nearly half of all households in the United States carry a credit card balance from month to month, which means that finding a card with a low interest rate is imperative. Below you’ll find low interest credit cards with attractive rates, which are perfect for consumers who anticipate carrying a credit card balance at times. This will ensure that you pay as little in interest fees as possible, saving your hard-earned money for the purchases you truly want to make. The following are some of our favorite low interest credit cards offered by our partners:
HSBC Gold Mastercard® credit card
Intro APR for Balance Transfer
0%
Introductory APR on balance transfers for the first 18 months from account opening
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Regular
APR
13.24%, 17.24% or 21.24%
Variable APR will apply after the Introductory Period
Annual
Fee
$0
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Good/Excellent Credit Needed
Benefits & KEY FEATURES
- 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 13.24%, 17.24% or 21.24% will apply.
- No Penalty APR.
- Late Fee Waiver.
- No Foreign Transaction Fees.
- $0 Annual Fee.
- $0 liability for unauthorized purchases.
- Terms Apply.
- See Rates & Fees
Benefits & KEY FEATURES
Good/Excellent
CREDIT NEEDED
Intro APR Purchase
0% Introductory APR on credit card purchases for the first 18 months from account opening
Intro APR for Balance Transfer
0% Introductory APR on balance transfers for the first 18 months from account opening
Regular APR
Variable APR of 13.24%, 17.24% or 21.24% will apply after the Introductory Period
Annual Fee
$0
BankAmericard® credit card
Intro APR for Balance Transfer
0%
Intro APR for 18 billing cycles for balance transfers made in the first 60 days
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Regular
APR
15.24% - 25.24%
Variable APR on purchases and balance transfers
Annual
Fee
$0
View Details
Excellent/Good Credit Needed
Benefits & KEY FEATURES
- NEW OFFER: 0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 15.24% - 25.24% Variable APR. 3% fee (min $10) applies to balance transfers
- No annual fee
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app
Benefits & KEY FEATURES
Excellent/Good
CREDIT NEEDED
Intro APR Purchase
0% Introductory APR on purchases for 18 billing cycles
Intro APR for Balance Transfer
0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days
Regular APR
15.24% - 25.24% Variable APR on purchases and balance transfers
Annual Fee
$0
Barclaycard Ring® Mastercard®
Intro APR for Balance Transfer
See Terms
View Details
Regular
APR
14.24%
Variable
Annual
Fee
$0
View Details
Good/Excellent Credit Needed
Benefits & KEY FEATURES
- Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 14.24% APR will apply
- Low 14.24% variable APR on purchases and cash advances
- No annual fee
- No foreign transaction fees
- International Chip and PIN
- See Rates & Fees
Benefits & KEY FEATURES
Good/Excellent
CREDIT NEEDED
Intro APR Purchase
N/A
Intro APR for Balance Transfer
See Terms
Regular APR
14.24% Variable
Annual Fee
$0
Capital One® Quicksilver® Cash Rewards Credit Card
Intro APR for Balance Transfer
0%
for 15 months
View Details
Regular
APR
15.24% - 25.24%
(Variable)
Annual
Fee
$0
View Details
Excellent/Good Credit Needed
Benefits & KEY FEATURES
- 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; 15.24%-25.24% variable APR after that
- 0% intro APR on balance transfers for 15 months; 15.24%-25.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- Pay no annual fee or foreign transaction fees
Benefits & KEY FEATURES
Excellent/Good
CREDIT NEEDED
Intro APR Purchase
0% intro on purchases for 15 months
Intro APR for Balance Transfer
0% intro on balance transfers for 15 months
Regular APR
15.24% - 25.24% (Variable)
Annual Fee
$0
Bank of America® Cash Rewards credit card - $150 Cash Rewards Offer
Intro APR for Balance Transfer
0%
Intro APR for 12 billing cycles for balance transfers made in the first 60 days
View Details
Regular
APR
16.24% - 26.24%
Variable APR on purchases and balance transfers
Annual
Fee
$0
View Details
Excellent/Good Credit Needed
Benefits & KEY FEATURES
- No annual fee
- $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
- NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
- Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases
- You can update your choice category for future purchases once each calendar month using the Mobile banking app or Online banking, or do nothing and it stays the same.
- No expiration on rewards
- 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 16.24% - 26.24% Variable APR. 3% fee (min $10) applies to balance transfers
- If you're a Preferred Rewards client, you can get a 25% - 75% rewards bonus on every purchase
Benefits & KEY FEATURES
Excellent/Good
CREDIT NEEDED
Intro APR Purchase
0% Introductory APR on purchases for 12 billing cycles
Intro APR for Balance Transfer
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
Regular APR
16.24% - 26.24% Variable APR on purchases and balance transfers
Annual Fee
$0
