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Low Interest
Credit Card

Low Interest Icon

Offers that fall into the low interest category distinguish themselves from other cards by having a low interest rate that does not expire after a set period of time. There are many cards that have a low or zero APR during an introductory period then fall back to a higher rate once the intro period expires. Card listed in this category may have an introductory period but will go to a rate that is lower than most other cards. These offers here are more for those expecting to carry a balance on their card over a long time frame and may represent better savings over the long haul.

 Updated: 5/25/2013
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Official Data and Rates Features More
Info
Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card Image Apply Button
Credit Level:
Very Good
Annual Fee:
$0*
Norm Rate:
11.99%-21.99%* (Variable)
Purchase Intro Rate:
0%*
Purchase Intro Period:
18 Mo.*
Transfer Intro Rate:
0%*
Transfer Intro Period:
18 Mo.*
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
 Click for More Information about the Citi® Diamond Preferred® Card card
Capital One® Platinum Prestige Credit Card
Capital One® Platinum Prestige Credit Card Image Apply Button
Credit Level:
Excellent
Annual Fee:
$0
Norm Rate:
10.9% - 18.9% (V)
Purchase Intro Rate:
0%
Purchase Intro Period:
until September 2014
Transfer Intro Rate:
0%
Transfer Intro Period:
until September 2014
  • 0% intro APR until September 2014 on balance transfers
  • 0% intro APR until September 2014 on purchases
  • No annual fee
  • $0 Fraud Liability if your card is lost or stolen
  • 24-hour travel assistance gives you a replacement card and cash advance
  • 24-hour roadside assistance
  • Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
 Click for More Information about the Capital One® Platinum Prestige Credit Card card
BankAmericard® Visa® Card
BankAmericard® Visa® Card Image Apply Button
Credit Level:
Excellent
Annual Fee:
None*
Norm Rate:
10.99%-20.99% Variable* on purchases & balance transfers
Purchase Intro Rate:
0%*
Purchase Intro Period:
15 billing cycles*
Transfer Intro Rate:
0%*
Transfer Intro Period:
15 billing cycles for qualifying balance transfers*
  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% variable APR
  • No annual fee
  • Enjoy Purchase Replacement coverage on lost, damaged or stolen purchases
Click for More Information about the BankAmericard® Visa® Card card
Citi® Dividend Platinum Select® Visa® Card
Citi® Dividend Platinum Select® Visa® Card Image Apply Button
Credit Level:
Very Good
Annual Fee:
$0*
Norm Rate:
12.99%-22.99%* (Variable)
Purchase Intro Rate:
0%*
Purchase Intro Period:
12 Mo.*
Transfer Intro Rate:
0%*
Transfer Intro Period:
12 Mo.*
  • $100 cash back after $500 in purchases within the first 3 months of account opening
  • 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment
  • Enroll at no additional cost each quarter for new categories that earn additional cash back
  • Full 1% cash back on all other purchases and eligible cash advances.
  • No Annual Fee*
 Click for More Information about the Citi® Dividend Platinum Select® Visa® Card card
Discover it®
Discover it® Image Apply Button
Credit Level:
Excellent
Annual Fee:
$0
Norm Rate:
10.99% - 22.99% (V)*
Purchase Intro Rate:
0%
Purchase Intro Period:
14 Mo.
Transfer Intro Rate:
0%
Transfer Intro Period:
14 Mo.
  • The new Discover it card is out to change the way people think about credit cards.
  • Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
  • Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
  • Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
  • Flexible…Choose your own due date and pay up to midnight ET online or by phone.
  • Human…talk to a real person any time with 100% U.S.-based service.
  • Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
 Click for More Information about the Discover it® card
U.S. Bank Visa® Platinum Card
U.S. Bank Visa® Platinum Card Image Apply Button
Credit Level:
Excellent
Annual Fee:
$0
Norm Rate:
9.99%-23.99% (Variable)
Purchase Intro Rate:
0%
Purchase Intro Period:
15 billing cycles
Transfer Intro Rate:
0%
Transfer Intro Period:
15 billing cycles
  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles
  • No annual fee*
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
  • Online account management and account alerts
 Click for More Information about the U.S. Bank Visa® Platinum Card card
Citi Simplicity® Card
Citi Simplicity® Card Image Apply Button
Credit Level:
Excellent
Annual Fee:
$0*
Norm Rate:
12.99% - 21.99%* (Variable)
Purchase Intro Rate:
0%*
Purchase Intro Period:
18 Mo.*
Transfer Intro Rate:
0%*
Transfer Intro Period:
18 Mo.*
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.
Click for More Information about the Citi Simplicity® Card card
Iberiabank Visa® Classic Card
Iberiabank Visa® Classic Card Image Apply Button
Credit Level:
Excellent
Annual Fee:
$0
Norm Rate:
7.25%, 10.25%, or 13.25%
Purchase Intro Rate:
n/a
Transfer Intro Rate:
1.99%
Transfer Intro Period:
6 billing cycles
  • No annual membership fee
  • Low variable rate of 7.25%, 10.25%, or 13.25% based on the creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Low Introductory APR on Balance Transfers of 1.99% for 6 billing cycles. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
  • Online access to credit card account information
 Click for More Information about the Iberiabank Visa® Classic Card card
Iberiabank Visa® Select Card
Iberiabank Visa® Select Card Image Apply Button
Credit Level:
Very Good
Annual Fee:
$35
Norm Rate:
7.50%, 9.50%, or 11.50%
Purchase Intro Rate:
0% or 7.5%
Purchase Intro Period:
12 Mo.
Transfer Intro Rate:
1.99%
Transfer Intro Period:
12 billing cycles
  • Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. This rate will not change during the introductory period.
  • Intro APR on Balance Transfers of 1.99% for the first 12 billing cycles. After that, APR will be the same as your assigned purchase rate, based on your creditworthiness.
  • Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Online access to credit card account information
  • Low Annual Fee of $35.00
 Click for More Information about the Iberiabank Visa® Select Card card
Barclaycard® Ring MasterCard®
Barclaycard® Ring MasterCard® Image Apply Button
Credit Level:
Excellent
Annual Fee:
$0
Norm Rate:
8.00% (Variable)
Purchase Intro Rate:
n/a
Transfer Intro Rate:
n/a
  • A low 8% variable APR on balance transfers and purchases
  • No Annual Fees
  • No Balance Transfer Fees - start saving immediately!
  • Choose your card benefits and features
  • Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
  • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
  • Learn more about personal finance from Barclaycard and other members
 Click for More Information about the Barclaycard® Ring MasterCard® card
All reasonable efforts are made to collect and provide accurate information about current Low Interest credit card offers. Due to the dynamic nature of credit card issuers objectives and requirements, all information is presented without warranty. You may click in the "Apply Now" column to review the Low Interest credit card offer, terms and conditions on the credit card issuer's web site.


Low Interest
Insights:

 Since credit card issuers are always interested in attracting new customers, most offerings you will find advertised or marketed aggressively will promote a low interest rate. The online comparison web sites, such as this site, will usually rank the cards in the low interest category by the ongoing interest rate charged on purchases. The actual rate is typically presented as a range with a variance as great as 10%. Those with excellent credit ratings that maintain on-time payments can expect to receive the interest rate at the lower end of the range. The rest of us have will fall somewhere in between.

By selecting a particular card and continuing to the issuer’s application page, you can find the actual breakdown of the rates and determine more closely what interest rate will be offered with the card along with more information regarding any promotional offers attached to the card.

The only real tip to getting the maximum value from your new card is to take a good look at your current card balances and spending habits. If you are planning some large purchase that will remain as a balance on the new card for an extended period of time then opting for a low interest card is most likely the best route. An additional perk on most of the cards is a very low or zero rate for some introductory period of time. These two items combined can literally save hundreds of dollars over the course of maintaining an outstanding balance and many consumers find this to be the best path to take when applying for a new card.


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Low Interest Related Articles
Pay less to carry a balance with a low interest card.   by Derek Lenehan
Low interest credit cards are exactly that. They have lower APRs than most other credit cards, but usually at the expense of less features, though not all the time. There are a few select cards out there that have great rewards...   Read More
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