Best Low Interest Credit Cards | CompareCredit.com

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Best Low Interest Credit Cards

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Citi® Diamond Preferred® Card

(5,801 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
Product Details
  • 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

Bank of America® Cash Rewards credit card

(1,886 reviews)

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  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days
  • 13.99% - 23.99% Variable APR on purchases and balance transfers
  • $0
  • Excellent, Good
Product Details
  • Click "APPLY NOW" to apply online
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
  • Contactless Cards - The security of a chip card, with the convenience of a tap

Citi® Double Cash Card – 18 month BT offer

(3,625 reviews)

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  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • 0% for 18 months on Balance Transfers
  • No annual fee and $0 liability on unauthorized charges
  • $0
  • Excellent
Product Details
  • Click "APPLY NOW" to apply online
  • 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.

Capital One Quicksilver Cash Rewards Credit Card

(2,008 reviews)

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  • 0% intro on purchases for 15 months
  • Unlimited 1.5% Cash Back on every purchase, every day
  • $200 Cash Back after you spend $500 on purchases within 3 months from account opening
  • $0
  • Excellent, Good
Product Details
  • Click "APPLY NOW" to apply online
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees

Blue Cash Everyday® Card from American Express

(1,806 reviews)

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Rates & Fees

  • 0% on purchases for 15 months
  • Earn a 20% back on purchases at Amazon.com on the Card in the first 6 months, up to $200 back. Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 6 months
  • 13.99%-23.99% Variable
  • $0
  • Good, Excellent
  • AMEX
Product Details
  • Click "APPLY NOW" to apply online
  • Earn 20% back on purchases at Amazon.com on the Card in the first 6 months, up to $200 back.
  • Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 6 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 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.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.

Discover it® Cash Back

(1,074 reviews)

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Rates & Fees

  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Dollar-for-dollar match of all cash back earned the first year
  • No annual fee, no foreign transaction fees and award-winning customer service
  • $0
  • Good, Excellent
  • Discover
Product Details
  • Click "APPLY NOW" to apply online
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back in any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • #1 Most Trusted Credit Card according to Investor’s Business Daily.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.

See additional details for Discover it® Cash Back

Capital One VentureOne Rewards Credit Card

(761 reviews)

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  • 1.25 miles per dollar on every purchase, every day
  • 20,000 miles with minimum spending requirement.
  • $0 Balance Transfer Fee, $0 annual fee, and no foreign transaction fee.
  • $0
  • Excellent, Good
Product Details
  • Click "APPLY NOW" to apply online
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • Transfer your miles to over 10+ travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 15.49% - 25.49% variable APR after that

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!