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ExpertiseWith low interest credit cards, you can carry a balance without accumulating excessive charges, and paying off your debt is easier. Many low interest cards also offer additional benefits like rewards or cash back. Start taking control of your finances today—apply for a low interest credit card and enjoy the savings.
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Rewards Rate:
Unlimited 1.5% for every $1 you spend on all purchases
Welcome Bonus: Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
Intro APR: 0% for 15 billing cycles for purchases and qualifying balance transfers then, a variable APR of 18.49% - 28.49%
Rewards Rate:
Unlimited 1.5 points for every $1 you spend on all purchases
Welcome Bonus: 25,000 online bonus points after you spend at least $1,000 on purchases in the first 90 days of opening your account
Intro APR: 0% for 15 billing cycles for purchases and qualifying balance transfers, then a variable APR of 18.49% - 28.49%
Rewards Rate:
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
8% cash back on Capital One Entertainment purchases
5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
Welcome Bonus: $200 Cash Back after you spend $500 on purchases within 3 months from account opening
Intro APR: 0% intro APR on purchases and balance transfers for 15 months; 19.49% - 29.49% variable APR after that; balance transfer fee applies
Rewards Rate:
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
Unlimited 1.5% cash back on all other purchases
Welcome Bonus: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back! Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year)
Intro APR: Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
Rewards Rate:
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
Welcome Bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back
Intro APR: 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49%-28.49%, based on your creditworthiness.
Rewards Rate:
6% Cash Back at U.S. supermarkets up to $6,000 per year in purchases, then 1%
6% Cash Back on select U.S. streaming subscriptions
3% Cash Back on U.S. gas stations and transit including taxis/rideshare, parking, tolls, trains, buses and more
1% Cash Back on other purchases
(Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.)
Welcome Bonus: Earn a $250 statement credit after you spend $3,000 in eligible purchases in the first 6 months
Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.24% - 29.24%.
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Low interest credit cards are a popular choice for those who want to minimize the amount of interest they pay on their outstanding balances. These cards typically offer a significantly lower annual percentage rate (APR) compared to standard credit cards. Some even come with introductory 0% APR offers, allowing you to make purchases or transfer balances without incurring any interest for a set period. This can be particularly beneficial if you plan to make a large purchase or need to pay down existing debt without the added pressure of accumulating interest.
When selecting the right low interest credit card, it's essential to consider a few key factors. First, look at the APR and how long the introductory 0% APR on purchases or balance transfers lasts. Some of the best credit cards with 0% APR can offer these benefits for up to 18 months or more. Next, check for any annual fees or additional charges that might offset the benefits of a low interest rate. Finally, consider your spending habits and financial goals to determine if a card with ongoing low APR is more beneficial than one with a limited 0% APR period. The right card will depend on your unique financial situation and how you plan to use it.
Understanding low interest credit cards can help you make more informed financial decisions. These cards are designed to offer lower APRs, making them ideal for those who carry a balance from month to month. Some low APR credit cards also provide 0% APR on purchases for an introductory period, which can be a great way to finance large purchases without paying interest. Additionally, balance transfer offers can help you consolidate and pay off high-interest debt. Always compare different credit cards with low interest rates to find the lowest interest rate credit card that fits your needs.
What are low interest credit cards?
Low interest credit cards offer reduced APRs compared to standard credit cards, helping you save on interest charges over time.
What is a 0% APR credit card?
A 0% APR credit card provides a promotional period during which you don't have to pay any interest on purchases or balance transfers. This period usually lasts from 6 to 18 months.
Are there any fees associated with low interest credit cards?
Some low interest rate credit cards may have annual fees or balance transfer fees, so it's important to read the terms and conditions carefully.
Can I get a 0% interest credit card with bad credit?
It's more challenging to qualify for the best 0% interest credit cards with poor credit, but some issuers offer cards designed to help build or rebuild credit.
What is the benefit of having a 0% APR on purchases?
Having a 0% APR on purchases allows you to make large purchases and pay them off over time without incurring interest, which can help manage your cash flow more effectively.
Bank of America
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