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
View Details
Regular APR
Annual Fee
$0
Good/Excellent Credit Needed
Benefits & KEY FEATURES Test
- 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99%, 16.99% or 20.99% 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
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
12.99%, 16.99% or 20.99%
Variable APR will apply after the Introductory Period
Annual Fee
$0
BankAmericard® credit card
Intro APR for Balance Transfer
View Details
Regular APR
Annual Fee
$0
Excellent/Good Credit Needed
Benefits & KEY FEATURES Test
- NEW OFFER: 0% Introductory APR for 18 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 14.99% - 24.99% 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
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
14.99% - 24.99%
Variable APR on purchases and balance transfers
Annual Fee
$0
Barclaycard Ring® Mastercard®
Intro APR for Balance Transfer
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Regular APR
Annual Fee
$0
Good/Excellent Credit Needed
Benefits & KEY FEATURES Test
- Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 13.99% APR will apply
- Low 13.99% variable APR on purchases and cash advances
- No annual fee
- No foreign transaction fees
- International Chip and PIN
- See Rates & Fees
Good/Excellent
CREDIT NEEDED
Intro APR Purchase
N/A
Intro APR for Balance Transfer
0% intro APR for 15 months on balance transfers made within 45 days of account opening
Regular APR
13.99%
Variable
Annual Fee
$0
Capital One® Quicksilver® Cash Rewards Credit Card
Intro APR for Balance Transfer
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Regular APR
Annual Fee
$0
Excellent/Good Credit Needed
Benefits & KEY FEATURES Test
- 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; 14.74%-24.74% variable APR after that
- 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- Pay no annual fee or foreign transaction fees
Excellent/Good
CREDIT NEEDED
Intro APR Purchase
0%
for 15 months
Intro APR for Balance Transfer
0%
for 15 months
Regular APR
14.74% - 24.74%
(Variable)
Annual Fee
$0
Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer
Intro APR for Balance Transfer
View Details
Regular APR
Annual Fee
$0
Excellent/Good Credit Needed
Benefits & KEY FEATURES Test
- No annual fee
- NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
- Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
- No changing categories and 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, 15.24% - 25.24% Variable APR. 3% fee (min $10) applies to balance transfers
- Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
- If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
- Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store
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
15.24% - 25.24%
Variable APR on purchases and balance transfers
Annual Fee
$0
