Think you're paying too much interest on your credit card balance? Low-interest credit cards from our partners offer competitive APRs, saving you cash each month on finance charges. These cards ease the burden of high-interest credit card payments and allow you to pay down the principal balance of your credit card debt faster.
You'll have a better chance at qualifying for one of these cards if you have good to excellent credit. You may not qualify if your credit history has some blemishes.
Cards featuring low interest rates are an ideal option for individuals who typically carry a balance and want to keep their monthly interest payments low. Because many of these cards offer 0% APR introductory periods, they can also be useful for those who would like to slowly pay off a large purchase.
Low interest cards come with competitive APRs. Many also offer 0% APR introductory periods. That makes these cards beneficial if you frequently carry a balance, or if you're planning to pay off a big purchase slowly. But because they come with a low interest rate, their perks are often not as comprehensive.
Take advantage of the 0% APR introductory period, which often lasts from 12 to 18 months. Doing so can help maximize the overall benefits of the card, allowing you to pay less interest on your spending habits.
In addition, make sure to compare terms and interest rates thoroughly to find the card that's right for your financial situation.
Use our list of offers to shop for low interest rate credit cards.
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
0% intro on purchases
Intro APR 12 months
Intro APR Period |
N/A
Intro APR N/A
Intro APR Period |
12.49% - 22.49% (Variable)
|
$0
|
Excellent, Good
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
N/A
Intro APR N/A
Intro APR Period |
0% Intro APR
Intro APR 18 billing cycles for balance transfers made in the first 60 days
Intro APR Period |
11.49% - 21.49% Variable APR on purchases and balance transfers
|
$0
|
Excellent/Good
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
0%
Intro APR 15 months
Intro APR Period |
0%
Intro APR 15 months
Intro APR Period |
13.24%-23.24% Variable
|
$0
|
Excellent/Good
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
0%
Intro APR 15 months
Intro APR Period |
0%
Intro APR 15 months
Intro APR Period |
14.24%-23.24% Variable
|
$0
|
Excellent/Good
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
0% Introductory APR
Intro APR 12 billing cycles
Intro APR Period |
0% Intro APR
Intro APR 12 billing cycles for balance transfers made in the first 60 days
Intro APR Period |
13.49% - 23.49% Variable APR on purchases and balance transfers
|
$0
|
Excellent/Good
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
0%
Intro APR 15 months
Intro APR Period |
0%
Intro APR 15 months
Intro APR Period |
14.24%-23.24% Variable
|
$0
|
Excellent/Good
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
0%*
Intro APR 21 months*
Intro APR Period |
0%*
Intro APR 21 months*
Intro APR Period |
12.49%-22.49%* (Variable)
|
$0*
|
Excellent/Good
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
0%
Intro APR 14 months
Intro APR Period |
0%
Intro APR 14 months
Intro APR Period |
11.49% - 23.49% Variable
|
$0
|
Excellent/Good
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
0%*
Intro APR 21 months*
Intro APR Period |
0%*
Intro APR 21 months*
Intro APR Period |
13.49% - 23.49% (Variable)
|
$0*
|
Excellent/Good
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
0%
Intro APR 12 months
Intro APR Period |
0%
Intro APR 12 months
Intro APR Period |
13.49%-25.49% (Variable)
|
$0
|
Excellent/Good
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
0%
Intro APR 15 months
Intro APR Period |
0%
Intro APR 15 months
Intro APR Period |
15.65%-25.49% (Variable)
|
$0
|
Excellent/Good
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
N/A
Intro APR N/A
Intro APR Period |
0%*
Intro APR 12 billing cycles*
Intro APR Period |
13.49% - 23.49%* (Variable)
|
$0*
|
Excellent Credit
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
0%
Intro APR 15 months
Intro APR Period |
0%
Intro APR 15 months
Intro APR Period |
13.49%-25.49% (Variable)
|
$0
|
Excellent/Good
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
0%
Intro APR 6 months
Intro APR Period |
0%
Intro APR 18 months
Intro APR Period |
11.49% - 23.49% Variable
|
$0
|
Excellent/Good
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
0% Introductory APR
Intro APR 12 billing cycles
Intro APR Period |
N/A
Intro APR N/A
Intro APR Period |
15.49% - 23.49% Variable APR on purchases and balance transfers
|
$0
|
Excellent/Good
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
0%*
Intro APR 15 billing cycles*
Intro APR Period |
0%*
Intro APR 15 billing cycles*
Intro APR Period |
10.49% - 21.49%* (Variable)
|
$0*
|
Excellent Credit
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
N/A
Intro APR N/A
Intro APR Period |
N/A
Intro APR N/A
Intro APR Period |
14.49% - 24.49%* (Variable)
|
$85*
|
Excellent Credit
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
N/A
Intro APR N/A
Intro APR Period |
0%
Intro APR 12 months (on balance transfers made within 45 days of account opening)
Intro APR Period |
16.49%, 20.49% or 23.49% Variable
|
$89 - Waived first year
|
Excellent/Good
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
0% Intro APR
Intro APR 12 billing cycles
Intro APR Period |
0% Intro APR
Intro APR 12 billing cycles for balance transfers made in the first 60 days
Intro APR Period |
13.49% - 23.49% Variable APR on purchases and balance transfers
|
$0
|
Excellent/Good
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
N/A
Intro APR N/A
Intro APR Period |
0%
Intro APR 15 months (on balance transfers made within 45 days of account opening)
Intro APR Period |
15.24%, 20.24% or 25.24% Variable
|
$0
|
Excellent Credit
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
0%
Intro APR 12 months
Intro APR Period |
0%
Intro APR 12 months
Intro APR Period |
14.49%-22.49% (Variable)
|
$0 1st year, then $45
|
Excellent/Good
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
0% Intro APR
Intro APR 12 billing cycles
Intro APR Period |
0% Intro APR
Intro APR 12 billing cycles for balance transfers made in the first 60 days
Intro APR Period |
13.49% - 23.49% Variable APR on purchases and balance transfers
|
$0
|
Excellent/Good
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
0%
Intro APR 14 months
Intro APR Period |
10.99%
Intro APR 14 months
Intro APR Period |
11.49% - 23.49% Variable
|
$0
|
Excellent/Good
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
N/A
Intro APR N/A
Intro APR Period |
0% introductory APR
Intro APR First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening
Intro APR Period |
12.49%, 20.49% or 25.49% Variable
|
$0
|
Excellent / Good
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
N/A
Intro APR N/A
Intro APR Period |
N/A
Intro APR N/A
Intro APR Period |
13.49% - 23.49% (Variable)
|
$0 intro for first year; $59 after that
|
Excellent, Good
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
N/A
Intro APR N/A
Intro APR Period |
N/A
Intro APR N/A
Intro APR Period |
7.40%-24.40% (Variable)
|
$0
|
Good/Excellent
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
0%
Intro APR 12 months
Intro APR Period |
0%
Intro APR 12 months
Intro APR Period |
13.49%-23.49% Variable
|
$0
|
Excellent/Good
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
0% intro on purchases
Intro APR 9 months
Intro APR Period |
0% intro on balance transfers
Intro APR 9 months
Intro APR Period |
13.49% - 23.49% (Variable)
|
$0
|
Excellent, Good
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
N/A
Intro APR N/A
Intro APR Period |
N/A
Intro APR N/A
Intro APR Period |
10.40%-26.40% (Variable)
|
$0
|
Good/Excellent
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
N/A
Intro APR N/A
Intro APR Period |
N/A
Intro APR N/A
Intro APR Period |
8.5% Variable
|
$0
|
Excellent Credit
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
0%
Intro APR 12 months
Intro APR Period |
0%
Intro APR 12 months
Intro APR Period |
12.65%-26.49% (Variable)
|
$0
|
Excellent/Good
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
N/A
Intro APR N/A
Intro APR Period |
N/A
Intro APR N/A
Intro APR Period |
10.40%-26.40% (Variable)
|
$0.00.
|
Good/Excellent
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
N/A
Intro APR N/A
Intro APR Period |
N/A
Intro APR N/A
Intro APR Period |
13.49% - 23.49% Variable APR on purchases and balance transfers
|
$79
|
Excellent/Good
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
N/A
Intro APR N/A
Intro APR Period |
N/A
Intro APR N/A
Intro APR Period |
10.40%-26.40% (Variable)
|
$0
|
Good/Excellent
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
N/A
Intro APR N/A
Intro APR Period |
0% introductory APR
Intro APR First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening
Intro APR Period |
12.49%, 20.49% or 25.49% Variable
|
$99
|
Excellent Credit
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
N/A
Intro APR N/A
Intro APR Period |
N/A
Intro APR N/A
Intro APR Period |
10.40%-26.40% (Variable)
|
$0
|
Good/Excellent
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
0%
Intro APR 12 months
Intro APR Period |
0%
Intro APR 12 months
Intro APR Period |
13.49%-23.49% Variable
|
$95
|
Excellent/Good
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
0%*
Intro APR 12 months*
Intro APR Period |
0%*
Intro APR 12 months*
Intro APR Period |
13.49% - 23.49%* (Variable)
|
$0*
|
Excellent Credit
|
| Purchases | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
|
N/A
Intro APR N/A
Intro APR Period |
0%
Intro APR 18 months*
Intro APR Period |
13.49% - 23.49%* (Variable)
|
$0*
|
Excellent/Good
|
* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.