Shop and compare the best credit cards
Best Visa credit cardsBest MasterCard credit cardsBest American Express credit cardsBest Discover credit cards

Low interest credit card guide

Low Interest Credit Card Offers

Credit cards designated as low interest feature a low fixed APR (the rate doesn't fluctuate) and often include an even lower introductory APR (the rate is temporary). Low introductory APRs can be as low as 0% and are usually restricted to new purchases only. On many cards, the rate can last up to a year, but after expiration the rate jumps up to the fixed APR. Even so, the rate after the intro period still tends to be the lowest available when compared to other types of cards.

The advantage to using a low interest credit card is the ability to make large purchases and pay it off gradually. Since the card has a low APR, the interest paid on the balance is minimal compared to other types of credit cards. This is useful for large one-time expenses such as major household appliances, extravegant vacations, or expensive emergencies, to name a few. Low interest credit cards best benefit the consumer who carries a balance from month-to-month.

Outside of the low APR, low interest credit cards offer few benefits. Typically one's spending or purchases aren't rewarded by cash back or other incentives, and the rewards programs that do exist aren't as beneficial as rewards-specific credit card programs. There are a few higher-tier credit cards that offer low rates and competitive rewards, but they're reserved for consumers with excellent credit; the better one's credit rating is, the better the card program. For more help and advice, see our library of low interest credit card articles.

Below is our list of the best low interest credit cards available online. Compare the features of each offer and apply for the credit card that best fits your needs.



Citi® Platinum Select® MasterCard®
Citi Platinum Select Card Application Online
Citi Platinum Select Card Offer Online
  • 0% APR on balance transfers and purchases for up to 15 months*
  • No annual fee
  • Citi® Identity Theft Solutions
  • $0 Liability on unauthorized purchases
  • Secure, free online account management
  • Extra Cash from Citi: enjoy significant discounts on gift cards, travel, merchandise and more
Intro APRIntro APR PeriodRegular APRAnnual FeeBalance TransfersCredit Needed
0%*up to 15 monthsas low as 11.99%* (Variable)$0*Yes*Excellent Credit*
Discover® More® Card
Discover® More Card Offer
Click to Apply for a Discover Card
  • 0% APR on Balance Transfers for a FULL 12 months
  • 0% APR on Purchases for a FULL 6 months
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
  • Up to 1% unlimited Cashback Bonus on all other purchases automatically
  • No Annual Fee
Intro APRIntro APR PeriodRegular APRAnnual FeeBalance TransfersCredit Needed
0%*12 months on Balance Transfers; 6 months on Purchases*as low as 11.99% (V)*None*Yes*Excellent Credit*
Citi® Diamond Preferred® Rewards Card
Citi® Diamond Preferred® Rewards Card Offers
Citi® Diamond Preferred® Rewards Card Application
  • 0% APR for up to 12 months on balance transfers*
  • 0% APR for 7 months on purchases*
  • 5 ThankYou® Points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months, 1 ThankYou Point thereafter*
  • 1 ThankYou Point for every $1 spent on all other purchases*
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • No annual fee
Intro APRIntro APR PeriodRegular APRAnnual FeeBalance TransfersCredit Needed
0%*up to 12 months on balance transfers; 7 months on purchases*as low as 12.99%* (Variable)None*Yes*Excellent Credit*
Discover® More Card - $50 Cashback Bonus®
Discover More Clear Card Offer
Discover More Clear Card Application Online
  • 0% APR on Balance Transfers for a full 12 months
  • 0% APR on Purchases for a full 6 months
  • Get $50 Cashback Bonus after your first $599 in purchases
  • Up to 1% unlimited Cashback Bonus on all other purchases automatically
  • No Annual Fee
Intro APRIntro APR PeriodRegular APRAnnual FeeBalance TransfersCredit Needed
0%*12 months on Balance Transfers; 6 months on Purchases*as low as 12.99% (V)*None*Yes*Excellent Credit*
Discover® More Card – Shamrock
Discover® More Card – Shamrock
Discover® More Card – Shamrock
  • 0% APR on Purchases for a full 9 months
  • 0% APR on Balance Transfers for a full 12 months
  • 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants and more
  • Up to 1% unlimited Cashback Bonus on all other purchases automatically
  • No Annual Fee
Intro APRIntro APR PeriodRegular APRBalance TransfersCredit Needed
0%*9 months on Purchases; 12 months on Balance Transfers*as low as 12.99% (V)*N/A*Excellent Credit*
Discover® More® Card – Black Monogram
Discover® More® Card – Black Monogram
Discover® More® Card – Black Monogram
  • 0% APR on Balance Transfers for a full 12 months
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
  • Up to 1% unlimited Cashback Bonus on all other purchases automatically
  • No Annual Fee
Intro APRIntro APR PeriodRegular APRAnnual FeeBalance TransfersCredit Needed
0% on Balance Transfers and 2.99% on Purchases*12 months on Balance Transfers and Purchases*as low as 12.99% (V)*None*Yes*Excellent Credit*
Miles by Discover® Card
Discover Miles Card Offer
Discover Miles Card Application
  • 12,000 Bonus Miles - 1,000 Bonus Miles each month you make a purchase for your first year
  • Double Miles on travel and restaurant purchases. One Mile for every dollar on all other purchases
  • Flexible redemption options for travel, gift cards, or cash
  • Double Miles through our exclusive online shopping site
Intro APRIntro APR PeriodRegular APRAnnual FeeBalance TransfersCredit Needed
0%*6 months on purchases & balance transfers*as low as 11.99%*None*Yes*Excellent Credit*
Discover® Open Road Card
Discover Open Road Card Offer
Click Here to Apply
  • Double Cashback Bonus at any gas station and any restaurant
  • 5% to 20% Cashback Bonus at top retailers through our online shopping mall
  • Up to 1% unlimited Cashback Bonus at top retailers through our online shopping mall
  • Redeem for Partner gift cards, merchandise, Discover® gift cards, credit to your Discover card account or an electronic deposit to your bank account
  • Turn your Cashback Bonus into bigger rewards by redeeming for gift cards or eCertificates from over 100 brand-name Partners
Intro APRIntro APR PeriodRegular APRAnnual FeeBalance TransfersCredit Needed
0%*6 months on purchases & balance transfers*as low as 11.99%*None*Yes*Excellent Credit*
Discover® More Card - American Flag
Discover Flag Cash Back Credit Card Application
Discover Flag Cash Back Offer
  • 0% APR on Balance Transfers and Purchases for a full 6 months
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
  • Up to 1% unlimited Cashback Bonus on all other purchases automatically
  • No Annual Fee
Intro APRIntro APR PeriodRegular APRAnnual FeeBalance TransfersCredit Needed
0%*6 months on Purchases and Balance Transfers*as low as 11.99% (V)*None*Yes*Excellent Credit*
Blue Sky from American Express
Blue Sky from American Express Credit Card Offer
Blue Sky from American Express Application
  • 0% Intro APR for 6 months on purchases
  • Earn 1 point for every dollar you spend
  • Points good on any airline, hotel, car rental and more
  • No blackout dates or travel restrictions
  • Express Approval. Get a decision in less than 60 seconds
Intro APRIntro APR PeriodRegular APRAnnual FeeBalance TransfersCredit Needed
0%*up to 6 months on PurchasesAs Low As 17.24%$0*Yes*Excellent Credit*
* See the online low interest rate credit card applications for details about terms and conditions of offer. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Here " button you can review the credit card terms and conditions on the credit card issuer's web site.

Recent Credit Card Help and Advice

Who You Owe: The Difference Between the Bank and the Network

When evaluating and comparing credit cards, it helps to understand the terminology used in the industry. The card issuer, for example, is entirely ...

Read full story

Recent Credit Card Blog

Kwedit: Virual Credit for the Virtual World

Kwedit is a new service that offers online users the opportunity to buy virtual goods now and pay for them later.

Read full post

Browse Cards by Type

Browse Cards by Issuer

Browse Cards by Quality