Low Interest Credit Cards

If you anticipate carrying a balance each month, it’s best to look for a low interest credit card. It can help minimize the amount that you pay in interest charges. You can also use a low interest card to consolidate your debt. Here are some of the best low interest rate credit cards on the market.

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Capital One® Quicksilver® Cash Rewards Credit Card

  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
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Credit Score
Approval Data *
709 Average score
approved
654 Lowest score
approved
Intro APR
Purchases

0%

until May 2015
Intro APR
Balance Transfer

0%

until May 2015
Annual Fee

$0

Regular APR

12.9% – 22.9%*

Variable
Editor Review
The new Capital One® Quicksilver® Cash Rewards credit card has been released. Designed to replace the Capital One Cash Rewards card, the card offers straightforward rewards and no annual fee, no foreign transaction fees, and no cash back redemption thresholds. Although the interest rates are average, it is a great all-purpose rewards card, partic... Read More
Pros
  • Simple cash-back program
  • Good for foreign travel
Cons
  • Need excellent credit
  • Other recommended credit cards

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Barclaycard® Ring MasterCard® - 1% Back on Balance Transfers

  • Get a 1% Statement Credit back on the amount of balance transfers made in the first 60 days of account opening
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Intro APR
Purchases

N/A

Intro APR
Balance Transfer

N/A

Annual Fee

$0

Regular APR

8.00%*

Variable
Credit Score Approval Data * 734Average score approved 707Lowest score approved

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Capital One® Platinum Prestige Credit Card

  • Get 0% intro APR on all purchases until November 2015
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Intro APR
Purchases

0%

until November 2015
Intro APR
Balance Transfer

0%

until November 2015
Annual Fee

$0

Regular APR

10.9% – 18.9%*

Variable
Credit Score Approval Data * 674Average score approved 641Lowest score approved

Apply Now

U.S. Bank Visa® Platinum Card

  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-23.99%
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Intro APR
Purchases

0%

15 Months
Intro APR
Balance Transfer

0%

15 Months
Annual Fee

$0

Regular APR

9.99% – 23.99%*

Variable
Credit Score Approval Data * 712Average score approved 649Lowest score approved
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Frequently Asked Questions

When is a low interest credit card better than a rewards credit card?

A low interest credit card is better for you if you usually carry a balance from month to month. With the high interest rates that accompany rewards credit cards, it is better to avoid carrying a balance on them.

Also, you can transfer the balance from a high interest credit card to a low interest credit card to reduce the amount of interest that you pay for keep a balance.

How can I guarantee the lowest APR possible on a credit card?

Every credit card has a specific APR range for its cardholders. Your credit history will play a major role in the interest rate that you get on your credit card. The better your credit, the lower the interest rate.

By exhibiting responsible management of your credit and loans, you’re more likely to secure a lower APR when you apply for a credit card. But even after you’ve qualified for a low interest credit card, you may have luck asking for an APR reduction if you’ve had your credit card for at least six months.

Can a low interest credit card help with debt consolidation?

Definitely. It may appear contradictory to open a new credit card for the purpose of debt consolidation, but it works for many people.

If you are approved for a low interest credit card, you can transfer the balances from your other credit cards to the low interest card. You may end up paying much less in interest over the long term. However, there’s also balance transfer fees to consider.

* This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.


See the online credit card application for details about terms and conditions. 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 & conditions on the credit card issuer's website. Please note that Mybanktracker has financial relationships with some of the merchants mentioned here, and may be compensated if consumers choose to utilize the links located throughout the site.

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Intro APR
Purchases

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