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:

Citi® Double Cash Card – 18 month BT offer

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Excellent/Good Credit Needed

Intro APR Purchase

N/A

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Regular
APR

15.74% - 25.74%*

(Variable)

Annual
Fee

$0*

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Excellent/Good Credit Needed

Benefits & KEY FEATURES

    • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
    • Balance Transfers do not earn cash back
    • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness*
    • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
    • No categories to track, no caps on cash back, no annual fee*

Benefits & KEY FEATURES

Excellent/Good

CREDIT NEEDED

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

Intro APR Purchase

N/A

Intro APR for Balance Transfer

0% for 18 months on Balance Transfers*

Regular APR

15.74% - 25.74%* (Variable)

Annual Fee

$0*

Barclaycard Ring® Mastercard®

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Good/Excellent Credit Needed

Intro APR Purchase

N/A

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Regular
APR

14.24%

Variable

Annual
Fee

$0

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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

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

Intro APR Purchase

N/A

Intro APR for Balance Transfer

See Terms

Regular APR

14.24% Variable

Annual Fee

$0

Costco Anywhere Visa® Card by Citi

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Excellent Credit Needed

Intro APR Purchase

N/A

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Regular
APR

17.49%*

(Variable)

Annual
Fee

$0*

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Excellent Credit Needed

Benefits & KEY FEATURES

    • Exclusively for Costco Members: Go Big with Cash Back Rewards
    • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
    • 3% cash back on restaurants and eligible travel purchases
    • 2% cash back on all other purchases from Costco and Costco.com
    • 1% cash back on all other purchases
    • No annual fee with your paid Costco membership*

Benefits & KEY FEATURES

Excellent

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
720
850

Intro APR Purchase

N/A

Intro APR for Balance Transfer

N/A

Regular APR

17.49%* (Variable)

Annual Fee

$0*

Citi Simplicity® Card - No Late Fees Ever

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Excellent/Good Credit Needed

Intro APR Purchase

0%*

for 12 months*

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Regular
APR

16.24% - 26.24%*

(Variable)

Annual
Fee

$0*

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Excellent/Good Credit Needed

Benefits & KEY FEATURES

    • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
    • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
    • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
    • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
    • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
    • The same great rate for all balances, after the introductory period
    • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
    • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

Benefits & KEY FEATURES

Excellent/Good

CREDIT NEEDED

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

Intro APR Purchase

0%* for 12 months on Purchases*

Intro APR for Balance Transfer

0%* for 21 months on Balance Transfers*

Regular APR

16.24% - 26.24%* (Variable)

Annual Fee

$0*

Bank of America® Platinum Visa® Business credit card

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Excellent Credit Needed

Intro APR Purchase

0%

for 7 billing cycles

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Regular
APR

11.49% - 22.49%

Variable APR on purchases and balance transfers

Annual
Fee

$0

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Apply Now

Excellent Credit Needed

Benefits & KEY FEATURES

    • Get a $200 statement credit when you make at least $500 in net purchases within 60 days of your account opening.
    • Save on interest with a competitive purchase APR.
    • No annual fee.
    • 0% Introductory APR on purchases for your first 7 billing cycles.
    • Employee cards at no additional cost to you and with credit limits you set.

Benefits & KEY FEATURES

Excellent

CREDIT NEEDED

0 450 500 550 600 650 700 750 800 850
720
850

Intro APR Purchase

0% for 7 billing cycles

Intro APR for Balance Transfer

N/A

Regular APR

11.49% - 22.49% Variable APR on purchases and balance transfers

Annual Fee

$0