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
Intro APR Purchase
0%
Introductory APR on purchases for 18 billing cycles
View Details
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
- 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
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 any 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
Intro APR Purchase
0%
for 12 months
View Details
Regular
APR
14.24% - 24.24%
(Variable)
Annual
Fee
$0
View Details
Excellent/Good Credit Needed
Benefits & KEY FEATURES
- $0 annual fee and no foreign transaction fees
- Earn a 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
- 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
- Enjoy 0% intro APR on purchases for 12 months; 14.24% - 24.24% variable APR after that
- Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
- 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
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
Intro APR Purchase
0%
Introductory APR on purchases for 12 billing cycles
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
- $200 online cash rewards bonus after you make at least $1,000 in 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 balance transfers
- If you're a Preferred Rewards member, you can earn 25% - 75% more cash back 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 any 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
Intro APR Purchase
0%
Introductory APR on credit card purchases for the first 15 months from account opening
View Details
Regular
APR
14.24%, 20.24% or 25.24%
Variable APR will apply after the Introductory Period
Annual
Fee
$0
View Details
Good/Excellent Credit Needed
Benefits & KEY FEATURES
- 0% Intro APR on purchases and balance transfers for the first 15 months from account opening. Then a variable APR of 14.24%, 20.24% or 25.24% 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 15 months from account opening
Intro APR for Balance Transfer
0% Introductory APR on balance transfers for the first 15 months from account opening
Regular APR
Variable APR of 14.24%, 20.24% or 25.24% will apply after the Introductory Period
Annual Fee
$0
Capital One® Quicksilver® Cash Rewards Credit Card
Intro APR Purchase
0%
for 15 months
View Details
Regular
APR
16.24% - 26.24%
(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; 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
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
