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:

BankAmericard® credit card

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Excellent/Good Credit Needed

Intro APR Purchase

0%

Introductory APR on purchases for 18 billing cycles

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Regular
APR

15.24% - 25.24%

Variable APR on purchases and balance transfers

Annual
Fee

$0

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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. After the intro APR offer ends, 15.24% - 25.24% Variable APR will apply. A 3% fee (min $10) applies to all 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

0 450 500 550 600 650 700 750 800 850
680
850

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

Capital One® VentureOne® Rewards Credit Card

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Excellent/Good Credit Needed

Intro APR Purchase

0%

for 12 months

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Regular
APR

14.24% - 24.24%

(Variable)

Annual
Fee

$0

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Excellent/Good Credit Needed

Benefits & KEY FEATURES

    • 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, through January 2020; learn more at hotels.com/venture
    • Transfer your miles to over 12 leading travel loyalty programs
    • Fly any airline, stay at any hotel, anytime
    • Enjoy a low intro APR on purchases for 12 months; 14.24%-24.24% 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

Benefits & KEY FEATURES

Excellent/Good

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
680
850

Intro APR Purchase

0% intro on purchases for 12 months

Intro APR for Balance Transfer

N/A

Regular APR

14.24% - 24.24% (Variable)

Annual Fee

$0

Bank of America® Cash Rewards credit card

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Excellent/Good Credit Needed

Intro APR Purchase

0%

Introductory APR on purchases for 12 billing cycles

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Regular
APR

16.24% - 26.24%

Variable APR on purchases and balance transfers

Annual
Fee

$0

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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. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all 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

0 450 500 550 600 650 700 750 800 850
680
850

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

HSBC Gold Mastercard® credit card

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Good/Excellent Credit Needed

Intro APR Purchase

0%

Introductory APR on credit card purchases 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

0 450 500 550 600 650 700 750 800 850
680
850

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

Capital One® Quicksilver® Cash Rewards Credit Card

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Excellent/Good Credit Needed

Intro APR Purchase

0%

for 15 months

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Regular
APR

16.24% - 26.24%

(Variable)

Annual
Fee

$0

View Details

Apply Now

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; 16.24%-26.24% variable APR after that
    • 0% intro APR on balance transfers for 15 months; 16.24%-26.24% 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

0 450 500 550 600 650 700 750 800 850
680
850

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

16.24% - 26.24% (Variable)

Annual Fee

$0