List of Low Interest Credit Card Offers

Even in today’s difficult economic times, credit cards with low interest rates can still be found. In fact, most major credit cards offer one or more cards with low rates, and some even offer 0% APR introductory rate deals. And even if you have less than good credit, there are still cards available with reasonable rates.

Low interest credit cards come in three flavors: (1) cards that offer 0% on balance transfers, (2) cards that offer 0% on purchases, and (3) cards that offer a low regular APR on everyday purchases. And the best credit cards offer two or even all three features. Here are our top picks in the low interest category:

Low Interest on Balance Transfers

Low interest rates on balance transfers typically involve 0% for 6 to 12 months on all transferred balances. These offers charge a balance transfer fee, generally ranging from 3% to 5% of the amount transferred. The best deals available today are 0% for 12 months with a 3% balance transfer fee. This type of low interest card is ideal for those with existing credit card balances subject to high interest rates.

Low Interest on Purchases

Several credit card offers come with a 0% introductory rate on purchases. With these cards, you won’t pay any interest on your purchase balance as long as the introductory rate remains in effect. Most cards today that offer this feature come with 0% on purchases for either 6 or 12 months. Unlike a balance transfer, 0% introductory rates on purchases do not involve transfer fees, so you truly pay no interest during the introductory period. You will be required to make a minimum payment on the card each month, but the payment will go entirely toward paying down the principal. This type of low interest card is ideal for those looking to charge purchases and carry a balance for a short period of time without paying any interest.

Low Regular APR

Finally, some card offers come with a standard APR on purchases that is low. While there is no official definition of “low interest,” today low interest rates for credit cards typically means a regular APR in the 11% to 15% range. Many low interest rate cards combine this feature with a 0% introductory rate, so you can get the best of both worlds.

Low Interest for Poor or Fair Credit

As your credit score goes down, the interest you’ll pay on credit cards typically goes up. Many of the low interest rate cards described in this article are for those with good to excellent credit (generally a FICO score of 700 or higher). If your credit score falls below this level, finding a low interest rate card can be difficult. And finding a card with a really low introductory rate can be even harder.

But these low interest rate offers for fair credit can be found. We know of two worth considering: The Orchard Bank Classic MasterCard and the Bryant State Bank MasterCard.

With the Orchard Bank MasterCard, you can get rates as low as 7.90% for its secured card, and as low as about 14.99% for its standard credit cards. Orchard also offers an innovative online application. When you complete the application, Orchard pre-qualifies you for those credit card offers it believes you qualify for. You are than instantly presented with these offers to evaluate and apply online if you want to.

The Bryant State Bank MasterCard is the only fair credit credit card that offers a low introductory rate on balance transfers (at least that we can find). You get a balance transfer at just 3.75% and no balance transfer fee. And its current regular APR is a low 11.25%. Of course, these offers change regularly, so be sure to review the terms and conditions of the offer before applying.

Complete List of Low Interest Rate Credit Cards

Here’s a complete list of some of the most popular low interest rate cards, along with details about each card. To visit the card issuer’s website to get more information and apply for a card online, simply click the apply button for the card of your choice. Clicking the apply button does not obligate you to apply for the card, it simply takes you to the credit card issuer’s official website.

Citi® Platinum Select® Card
	0% APR* on Balance Transfers and Purchases for up to 12 Months No Annual Fee Citi® Identity Theft Solutions $0 Liability on Unauthorized Purchases Secure, Free Online Account Management Extra Cash from Citi: Enjoy Significant Discounts on Gift Cards, Travel, Merchandise, and More.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% APR for up to 12 Months Up to 12 Months As low as 11.99%V $0 Yes Very Good

Slate(SM) from Chase
	0% Intro APR for up to 12 months No Annual Fee Pay down balances on your terms with Blueprint(SM) Zero Liability on unauthorized purchases E-mail and text alerts
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% up to 12 Months As low as 13.24% Variable None Yes Good

Discover® More® Card
	0% APR on Balance Transfers for a FULL 12 months 0% APR on Purchases for a FULL 6 months 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more Up to 1% unlimited Cashback Bonus on all other purchases automatically Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners Instant Response within 60 seconds No Annual Fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 12 Months* as low as 11.99% Variable* None Yes Excellent

Miles by Discover® Card
	12,000 Bonus Miles – 1,000 Miles each month you make a purchase for the first 12 months Double Miles on up to $3,000 in travel and restaurant purchases each year Book any travel, anytime with no blackout dates or restrictions 1 Mile for every $1 on all your other purchases Unlimited Miles that never expire No Annual Fee Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash starting at just 1,000 Miles
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 6 Months* as low as 11.99% Variable* None Yes Good

Blue from American Express(R)
	0% Intro APR for 6 months on purchases No Annual Fee Earn Membership Rewards(R) points for your everyday purchases, and enjoy fast and easy ways to earn and redeem so you can get the rewards you want now Express Approval. Get a decision in less than 60 seconds.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed See Terms* See Terms* As Low As 15.24% No Annual Fee Yes Excellent

Chase Freedom(SM)
	3% bonus cash back offers in popular, rotating categories like gas, home improvement and department stores Full 1% Cash Back on everything else – no spending tiers or caps on how much you can earn Up to an additional 20% cash back at select merchants when you shop online through Chase 0% Intro APR and No Annual Fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% up to 12 months on Balance Transfers As low as 12.99% Variable None Yes Good

Discover® Motiva(SM) Card
	Cash Rewards for your good credit management! Get a Pay-On-Time Bonus(SM) equal to a full month’s interest every time you make 6 on-time payments in a row—twice a year, every year 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site Up to 1% Cashback Bonus on all other purchases Unlimited cash rewards Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners 3.99% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 3.99%* Up to 12 Months* as low as 11.99% Variable* None Yes Good

Orchard Bank Classic MasterCards
	Acceptance at millions of locations worldwide, including website purchases and reservations Your account information is updated and at your fingertips 24/7 so you can manage it your way Email and text messages to remind you of your upcoming payment due date with online enrollment On-call customer service representatives to assist you with questions or concerns
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed N/A N/A 7.90% – 24.90% See Terms* No Poor