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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Discover it® - 18 Month Balance Transfer

Fair. No annual fee. No overlimit fee. No foreign transaction fee. Plus, pay up to midnight ET online or by phone on your due date without a fee. No late fee on your first late payment. And paying late won't raise your APR.* Get Details
Credit Score
Approval Data *
731 Average score
approved
687 Lowest score
approved
Intro APR
Purchases

0%

6 Months
Intro APR
Balance Transfer

0%

18 Months
Annual Fee

$0

Regular APR

10.99% – 22.99%*

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

Intro APR
Purchases

N/A

Intro APR
Balance Transfer

N/A

Annual Fee

$0

Regular APR

8.00%*

Variable
Credit Score Approval Data * 730Average score approved 681Lowest score approved

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Capital One® Platinum Prestige Credit Card

Intro APR
Purchases

0%

until July 2015
Intro APR
Balance Transfer

0%

until July 2015
Annual Fee

$0

Regular APR

10.9% – 18.9%*

Variable
Credit Score Approval Data * 687Average score approved 634Lowest 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.

* The credit score approval metrics are only guidelines and approval is not guaranteed. This information is based on data provided by Credit Karma


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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