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Best Low Interest Credit Cards

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Citi® Diamond Preferred® Card

(1,883 reviews)

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  • 0% for 18 months on Balance Transfers
  • 0% for 18 months on Purchases
  • 14.74% - 24.74% (Variable)
  • $0
  • Excellent
  • Click "APPLY NOW" to apply online
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

See additional details for Citi® Diamond Preferred® Card

Citi® Double Cash Card – 18 month BT offer

(855 reviews)

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  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • 0% for 18 months on Balance Transfers
  • No annual fee and $0 liability on unauthorized charges
  • $0
  • Excellent
  • Click "APPLY NOW" to apply online
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Chase Freedom Unlimited®

(1,265 reviews)

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  • 0% Intro APR on Purchases for 15 months
  • Unlimited 1.5% cash back on all purchases
  • $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • $0
  • Excellent/Good
  • Click "APPLY NOW" to apply online
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open

See additional details for Chase Freedom Unlimited®

Citi Rewards+℠ Card

(436 reviews)

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  • 0% for 15 months on purchases and balance transfers
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • $0
  • Excellent
  • Click "APPLY NOW" to apply online
  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

See additional details for Citi Rewards+℠ Card

American Express Cash Magnet® Card – $150 Welcome Offer

(648 reviews)

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Rates & Fees

  • 0% on purchases for 15 months
  • Unlimited 1.5% Cash Back on your purchases
  • 13.99%-23.99% Variable
  • $0
  • Good, Excellent
  • AMEX
  • Click "APPLY NOW" to apply online
  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, currently 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Amex Offers rewards you at places you like to shop, dine, travel, and more. You can add as many Offers as you’d like to your Card, then just use that Card to pay, and enjoy rewards directly on your statement.
  • Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No Annual Fee.
  • Terms Apply.

Blue Cash Preferred® Card from American Express

(253 reviews)

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Rates & Fees

  • 0% on purchases for 12 months
  • $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months
  • 13.99%-23.99% Variable
  • $95
  • Good, Excellent
  • AMEX
  • Click "APPLY NOW" to apply online
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, currently 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • $95 Annual Fee.
  • Terms Apply.

Low Interest Credit Cards

Credit cards with low interest rates can be very powerful tools to help strengthen your finances in a variety of situations. There are a few different types of low interest credit cards and each one has different pros and cons. As you would expect, the top feature you will want to consider when looking at low interest credit cards is the interest rates.

Interest rates, otherwise known as the APR (stands for Annual Percentage Rate) come in various forms on any credit card. The attention-grabbing interest rates and the ones that can help you save a lot of money are the introductory APRs. Many cards offer introductory periods of 0% APR for a number of months – ranging from 6 months all the way out to 18 months! These intro APRs can apply to purchases or balance transfers, although many cards have the same intro APR length for both types of transactions.

0% APR on Purchases

A 0% intro APRs on purchases can be a very useful financial tool in a variety of situations. Think of it as essentially an interest free loan. Say you have an unexpected expense and need to make a big purchase, like replacing a broken refrigerator, but you don’t have the cash on hand to do it. A credit card with a 0% intro APR on purchases allows you to make that purchase now and spread payments out over time. As long as you pay your balance off in full before the introductory period is up, you won’t have to pay a penny of interest! The way to do this is to take the take total cost of your purchase, divide by the number of months that your intro APR lasts, and make payments in that amount every month. For example, if you need to buy a refrigerator that costs $1,500, and you get a low interest credit card with 0% intro APR for 15 months, you simply pay $100 a month and by the time your introductory rate is up, you will have paid your balance off in full.

0% APR on Balance Transfers

Intro APRs on balance transfers essentially work in the same way, but instead of purchases, the 0% rate applies to the balance you transfer over from another credit card. It’s easy to get behind on your credit card payments and your balance can begin to snowball into more debt if your card charges a high interest rate. That’s where a 0% intro APR on balance transfers comes in. By transferring your balance to a low interest card, you can pay your debt down totally interest free during the intro period. That means that every penny of your payment will go towards the principle of your balance.

Whether you plan on using your low interest credit card for a balance transfer or for purchases, these credit cards are excellent tools to help streamline your finances and save you money. Take a look at the low interest credit cards listed above and select the best one for you!

Community Discussion

Disclosure: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.