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Low Interest Credit Cards
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Low interest credit cards with low ongoing APR are particularly suited for people who carry a balance month to month. These cards from different banks and issuers offer some of the lowest ongoing interest rates for purchases and balance transfers.
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Citi® Platinum Select® Card
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| 0% APR* on balance transfers and purchases for up to 12 months |
- Citi® Identity Theft Solutions
- $0 liability on unauthorized purchases
- Secure, free online account management
- Balance transfer fee applies with this offer
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0%* for up to 12 mo. |
0%* for up to 12 mo. |
8.49%* |
None |
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Discover® MoreSM Card
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- 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
- 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
- Up to 1% Cashback Bonus® on all other purchases automatically
- Unlimited cash rewards
- Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus® Partners
- 0% Intro APR for 12 months on purchases and balance transfers
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
10.99% |
None |
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Citi CashReturnsSM Card
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- Earn up to 6% cash back on purchases; a full 1% cash back on every purchase plus an average 5% additional cash back at 400 leading retailers within the Citi Bonus Cash Center
- Earn a 20% bonus on the cash back earned on all purchases for the first 12 months
- 0% APR* on balance transfers for up to 12 months
- Checks will be sent automatically every time you earn $50
- Balance transfer fee applies with this offer
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
0% for up to 12 mo. |
9.99% |
None |
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Capital One® Platinum Prestige
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- Save with a 0% intro APR until October 2009 on purchases and balance transfers
- Then enjoy a variable APR, now 8.9%
- Save time and money by transferring higher-rate balances so you can make one easy payment each month
- No annual fee
- To apply online click the "Apply Here" button or call
1-866-582-0808
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% until Oct. 2009 |
None |
8.9% |
None |
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Chase Platinum Visa® Card
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- 0% Intro APR for up to 12 months* on purchases and balance transfers
- APR as low as 10.99% thereafter
- Free travel services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance
- Free online account access
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for up to 12 mo. |
0% for up to 12 mo. |
10.99% |
None |
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Blue from American Express®
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- 0% APR on purchases for up to 12 months
- Balance transfer requests submitted on application receive APR of 2.99% for 12 months - then, the standard APR for purchases will apply
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- Membership Rewards Express® program
- Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences
- Express approval - get a decision in less than 60 seconds
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for up to 12 mo. |
2.99% for 12 mo.* |
8.99% |
None |
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Citi® Diamond Preferred® Card
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- 0% APR* on balance transfers and purchases for up to 12 months
- Citi® Identity Theft Solutions
- $0 liability on unauthorized purchases
- Secure, free online account management
- Balance transfer fee applies with this offer
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0%* for up to 12 mo. |
0%* for up to 12 mo. |
8.49%* |
None |
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Discover® Open RoadSM Card
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| Save at the pump and everywhere else* |
- 0% Intro APR for 6 months on purchases, and 12 months on balance transfers
- 5% Cashback Bonus® on gas and auto maintenance purchases
- 5% to 20% Cashback Bonus® at top online retailers*
- Up to 1% Cashback Bonus® on all other purchases
- Unlimited cash rewards
- Increase, even double, the value of your rewards when you redeem for gift cards from our 100 Cashback Bonus® Partners
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
0% for 12 mo. |
10.99%* |
None |
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
13.99% |
$75 |
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Bank of America® Platinum Plus® Visa® Card
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- 0% introductory APR on balance transfers, check cash advances, and direct deposits for your first 12 billing cycles*
- Credit lines as high as $25,000
- Online Banking Service
- Total Security Protection®
- No annual fee
- Card issued by FIA Card Services, NA.
- Terms & Conditions
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
0% for 12 mo.* |
7.99%-17.99% |
None |
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Capital One® Card Lab
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| Get the card that is perfect for you |
- Choose your rates
- Choose your rewards
- And even choose your own image
- Apply online
- To apply online click the "Apply Here" button or call
1-866-582-0808
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| You choose |
You choose |
You choose |
You choose |
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MERRILL+® Visa® Credit Card
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- Earn 1 point for every $1 spent on net retail purchases, and accrue unlimited Merrill pointsSM
- Points can be redeemed for Merchandise, Travel, Gift Certificates, and more
- Introductory 1.9% APR* for Cash Advance Checks and Balance Transfers through your first twelve billing cycles*
- Outstanding Rewards Program - One of the best rewards cards available today with anytime, anywhere air rewards
- Extraordinary Benefits - Receive unique perks and upgrades such as companion airline tickets and upgrades, airport lounge access, and 24/7 concierge
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
1.9% for 12 mo.* |
9.99% |
None |
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Discover® MoreSM Card - Clear
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- 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
- 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
- Up to 1% Cashback Bonus® on all other purchases automatically
- Unlimited cash rewards
- Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus® Partners
- 0% Intro APR for 6 months on purchases, and 12 months on balance transfers
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
0% for 12 mo. |
10.99%* |
None |
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Pulaski Bank Credit Cards
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- 0% APR for 6 billing periods, for balance transfers
- Get an exceptionally low ongoing APR of 6.5% for purchases and cash advances
- No cash advance or balance transfer fees
- 25 day grace period
- $35 annual fee*
*Even though the card has a $35 annual fee, this card can be a very good deal if you carry high balances on other cards.
The Pulaski Bank credit card may be right for you if you have Excellent Credit and are looking for a card with a fixed rate and want to transfer balances from other credit cards.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
0%* for 6 mo.* |
6.5% |
$35* |
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Simmons First Visa Platinum
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| One of the lowest ongoing APRs in the nation |
- Fixed APR of 7.25%
- No annual fee
- Global acceptance
- Travel insurance
- Car rental loss/damage waiver covering collision, theft and vandalism
- Emergency cash and credit card replacement
- Card issued by Simmons First National Bank
- Good credit required
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
7.25% |
None |
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Business Credit Cards With Low Interest Rates
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Advanta Platinum BusinessCard with Unlimited Rewards
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- New — unlimited rewards*
- Earn cash back, travel, merchandise and more
- 1 point for every dollar in purchases
- No blackout dates on air travel
- No limit on the points you can earn
- 0% APR for 15 months on balance transfers, 7.99% fixed APR thereafter*
- 7.99% variable APR (based on prime) on purchases
- Get employee cards with no fee and set spending limits per user
- Personalized card - your company name on the top of the card
- $0 Fraud Liability
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
0% for 15 mo. |
7.99%* |
None |
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Chase Business Cash Rewards® Visa® Card
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- Earn up to 5% cash back with unlimited rewards potential
- With no merchant or category spending restrictions, you can earn points by shopping wherever you want, for whatever you want
- Receive quarterly management reports
- 0% Intro APR for up to 12 months*
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for up to 12 mo. |
0% for up to 12 mo. |
10.99% |
None |
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CitiBusiness® Card
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- 0% APR on purchases for 12 months*
- $25 Statement Credit after $250 in purchases*
- Additional cards for employees with credit limits you set
- Quarterly and annual account summaries
- Balance transfer fee applies with this offer
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
None |
8.99% |
None |
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
3.9% for 6 mo. |
13.99% |
None |
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Capital One® Business Platinum with No Hassle CashSM
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- Earn 1% cash back on everything you buy from day one
- 0% APR on purchases until December 2009
- Get a 25% bonus each year on the cash you earned the previous year
- 0% APR on transferred balances until December 2009
- Free employee cards with individual spending limits you set
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% until Dec. 2009 |
0% until Dec. 2009 |
14.99%(V) |
None |
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Advanta Platinum BusinessCard with Unlimited Rewards
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- New — unlimited rewards*
- Earn cash back, travel, merchandise and more
- 1 point for every dollar in purchases
- No blackout dates on air travel
- No limit on the points you can earn
- 0% APR for 15 months on balance transfers, 7.99% fixed APR thereafter*
- 7.99% variable APR (based on prime) on purchases
- Get employee cards with no fee and set spending limits per user
- Personalized card - your company name on the top of the card
- $0 Fraud Liability
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
0%* for 15 mo. |
7.99%* |
None |
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Chase Platinum Visa® Business Card
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- 0% APR for up to 12 months*
- Visa Business Partner Advantage program - savings from leading retailers with special offers on computer equipment, office supplies and more
- Travel and emergency assistance
- Purchase security and extended protection
- Travel Accident Insurance
- Free online reporting
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for up to 12 mo. |
0% for up to 12 mo. |
8.99% |
None |
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Chase Business Rebate Card
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- Introductory fixed 0% APR for up to 12 months on balance transfers*
- Earn a full 3% cash back at restaurants, office supply stores, gas stations, building supply stores, hardware and home improvement centers
- Earn 1% cash back for everything else
- Visa Business Partner Advantage program
- Travel accident insurance
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for up to 12 mo. |
0% for up to 12 mo. |
7.49% |
None |
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Low Interest Credit Cards
A low interest credit card is recommended over other card benefits if you would like to finance your holiday shopping or a large purchase, or you desire to use a balance transfer to pay off higher interest loans.
Low interest cards can be a great deal, because in addition to long-term low rates, many offer a great introductory rate, typically ranging from 0% to 4.9% annually. The introductory rate may apply to balance transfers, purchases, or both, and it will extend from six months to more than twelve months. After the introductory period, the interest rate on low APR cards typically ranges from 7.25% to around 14.99%.
When you compare low APR credit cards, read the terms and conditions carefully and then weigh all of the above factors to find the card that best fits your needs. To qualify for a lowest interest credit card, you will generally need good to excellent credit rating. However, regardless of your situation, you can still find a low rate credit card that fits your profile. You may even find that your existing card company will lower the rate on the card you have, rather than lose you as a customer.
There are two types of rates on low interest credit cards: “fixed” APR and “variable” APR. If your low interest card has a fixed APR, your rate will, for the most part, remain the same. The credit card company may still change the fixed APR rate, but they will notify you in advance. With a variable APR, the rate on your low interest card is typically linked to the national prime rate; when it changes, your rate may too. If you plan on carrying a balance, a fixed rate is often the best way to go. If you want to transfer a balance, see our collection of cards with 0 APR introductory rates on balance transfers.
If you plan to regularly pay off your balance before the end of the month, you may instead be interested in looking at rewards credit cards that charge slightly higher interest rates, but offer incentives, such as cash back, or airline miles. We also feature a selection of business credit cards to choose from in each card category.
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