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.

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® MasterCard®
	0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate* Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more Citi® Identity Theft Solutions Secure, free online account management No annual fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% 18 months on Balance Transfers* 11.99% – 19.99%* (Variable) None Yes Good

Slate(SM) from Chase
	0% Intro APR for up to 12 months. No Annual Fee. New Innovative Card Design. Blueprint(SM) – free and customizable features Help you avoid unnecessary interest Pay your balances down faster
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% 12 or 6 Months* 13.24%-22.24% Variable* None Yes Good

Discover® More Card
	0% intro APR on balance transfers for a full 15 months, then the Regular APR 0% intro APR on purchases for a full 6 months, then the Regular APR 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more Up to 1% unlimited Cashback Bonus on all other purchases No Annual Fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 15 Months* 11.99% – 20.99% (Variable)* None Yes Excellent

Miles by Discover® Card
	12,000 Bonus Miles – Earn 1,000 Miles each month you make a purchase for your 1st year 1 Mile per $1 on every purchase Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year No limit on the Miles you earn and Miles don’t expire* Fly on any airline, book any hotel or car, with no blackout dates Use Miles for travel, merchandise, gift cards or cash 0% intro APR on purchases and balance transfers for 6 months than the regular APR No Annual Fee, No Overlimit Fee, No Redemption Fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 6 Months* 10.99% – 16.99% (Variable)* None Yes Good

Chase Freedom® MasterCard
	0% Intro APR and No Annual Fee 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy! Unlimited 1% Cash Back on all other purchases with no spending tiers Up to an additional 20% cash back when you shop online at select merchants through Chase
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% 12 months on Balance Transfers* 12.99%-22.99% Variable* None Yes Good

Discover® MotivaCard
	Cash rewards for your good credit management Each time you make 6 on-time payments in a row, you’ll get a Pay-On-Time Bonus equal to a full month’s interest added to your Cashback Bonus account 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall Up to 1% unlimited Cashback Bonus on all other purchases 3.99% intro APR on balance transfers for a full 15 months, then the Regular APR 3.99% intro APR on purchases for a full 12 months, then the Regular APR
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 3.99%* 15 Months* 11.99% – 20.99% (Variable)* None Yes Good

Orchard Bank Classic MasterCards
	An excellent credit card for rebuilding credit scores; reports to 3 major credit bureaus monthly! 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% – 28.90% See Terms* No Bad