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Low Interest Credit Card Offers

Low interest credit cards can be a powerful addition to your financial tool belt. These cards can make significant amounts of credit available to average consumers without charging an arm and a leg in interest payments. This makes it easier for you to manage your finances without incurring extra debt in the process. Credit cards with a low APR are a great way to save money on whatever it is you're buying, whether you're using it to purchase day-to-day necessities or more expensive big-ticket items.
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Best Credit Cards from Credit-Land.com Credit Recommended: Excellent / Good

PURCHASES:

Intro APR on Purchases: 0% (up to 18 months)
Regular APR: See Site

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% (up to 21 months)
Regular APR: See Site
Balance Transfer Fee: See Site

FEES:

Annual Fee: $0
Application Processing Fee: See Site
Intro APR on Purchases: 0% (up to 18 months)
Regular APR: See Site
Intro APR on Balance Transfers: 0% (up to 21 months)
Regular APR: See Site
Balance Transfer Fee: See Site
Annual Fee: $0
Application Processing Fee: See Site

Best Credit Cards from Credit-Land.com Credit Recommended: Excellent / Good

Card details:

Enjoy 0% Intro APR on Purchases; a variable go-to APR applies after that.Enjoy 0% Intro APR on Balance Transfers; a variable go-to APR applies after that. There is a balance transfer fee.Earn rewards on all purchases, every day. Show More
No Annual Fee.
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Horizon Gold Credit Recommended: Bad

PURCHASES:

Intro APR on Purchases: n/a
Regular APR: 0.00%

BALANCE TRANSFERS:

Intro APR on Balance Transfers: n/a
Regular APR: n/a
Balance Transfer Fee: See terms

FEES:

Annual Fee: See Terms
Application Processing Fee: See Terms
Intro APR on Purchases: n/a
Regular APR: 0.00%
Intro APR on Balance Transfers: n/a
Regular APR: n/a
Balance Transfer Fee: See terms
Annual Fee: See Terms
Application Processing Fee: See Terms

Horizon Gold Credit Recommended: Bad

Card details:

Must have Active Debit Card or Credit Card to qualify.Instant $500 Credit Line.No Credit Check. Show More
No Employment Check.Reports to a Major Credit Bureau.Fast Online Application.Bad Credit accepted.
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Simmons Visa® Credit Recommended: Excellent

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 9.25% (variable)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: 9.25% (variable)
Balance Transfer Fee: NONE

FEES:

Annual Fee: NONE
Application Processing Fee: See Terms
Intro APR on Purchases: N/A
Regular APR: 9.25% (variable)
Intro APR on Balance Transfers: N/A
Regular APR: 9.25% (variable)
Balance Transfer Fee: NONE
Annual Fee: NONE
Application Processing Fee: See Terms

Simmons Visa® Credit Recommended: Excellent

Card details:

Excellent Credit Required - Applicants that do not have excellent credit will not be approved.Low 9.25% variable standard purchase APR and platinum benefits.No Annual Fee. Show More
No balance transfer fee for balances transferred in response to this online offer.
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Simmons Rewards Visa Signature® Credit Recommended: Excellent

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 11.25% (variable)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: 11.25% (variable)
Balance Transfer Fee: NONE

FEES:

Annual Fee: NONE
Application Processing Fee: See Terms
Intro APR on Purchases: N/A
Regular APR: 11.25% (variable)
Intro APR on Balance Transfers: N/A
Regular APR: 11.25% (variable)
Balance Transfer Fee: NONE
Annual Fee: NONE
Application Processing Fee: See Terms

Simmons Rewards Visa Signature® Credit Recommended: Excellent

Card details:

Excellent Credit Required - Applicants that do not have excellent credit will not be approved.Low 11.25% variable standard purchase APR and platinum benefits.No Annual Fee. Show More
No balance transfer fee for balances transferred in response to this online offer.Travel Rewards - cardholders who enroll in the program receive 1.25 points per net dollar spent.Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions.Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants.
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First Progress Platinum Prestige Mastercard® Secured Credit Card Credit Recommended: Poor/Limited/No

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 9.99% (V)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: $49
Application Processing Fee: N/A
Intro APR on Purchases: N/A
Regular APR: 9.99% (V)
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: $49
Application Processing Fee: N/A

First Progress Platinum Prestige Mastercard® Secured Credit Card Credit Recommended: Poor/Limited/No

Card details:

Invest your tax refund to improve your credit by making the refundable deposit for your new secured card todayReceive Your Card More Quickly with New Expedited Processing OptionNo Credit History or Minimum Credit Score Required for Approval Show More
Quick and Complete Online ApplicationFull-Feature Platinum Mastercard® Secured Credit CardGood for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit HistoryCredit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with ApplicationJust Pay Off Your Balance and Receive Your Deposit Back at Any Time24/7 Online Access to Your AccountNationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
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Pay Balances Faster With Low Interest Rate Credit Cards

It isn't the initial principal (the original money borrowed on your card) that takes people years to pay off - it's the interest that accrues on top of that principal. The higher the interest rate, the longer you'll be paying off your principal, and the more money you'll spend doing it. Essentially, the longer it takes you to pay off a purchase you made on a card, the more that item is going to cost you in the end.

However, when you know that your credit card balance will be rolling over from one billing cycle to the next, considering low interest credit card offers can be the best thing for you and your wallet. When you have a card with a low APR, a bigger portion of your credit card payments will go toward paying down your principal, as opposed to the interest that is accruing on the balance. Thus, such cards allow you to pay off your balance faster.

Not sure which card to choose?

Ask your question to our experts: explain your financial situation and you'll get personal financial consultation by email.

Frequently Asked Questions:

How to lower interest rate on credit card?

When you want to lower the interest rate on your credit card, you can contact your credit card issuer and ask them to lower your interest rate. Most banks will approve your request provided your credit account is in good standing and you don’t have late fees. Another way to lower your interest rate is to transfer your card balance on a new credit card with lower rate. Before you do it, make sure the new card is indeed a better deal.

What is APR? How do I know my APR?

APR or Annual Percentage Rate is the yearly interest rate on your credit card. The banks distinguish introductory, ongoing, fixed and variable APRs; APR on purchases, cash advance APR, penalty APR and so on and so forth. Many credit cards have a grace period for new purchases. If you make purchases and pay the card balance off by the due date, you won’t be charged the interest. To find out what your interest rate on a credit card will be, look at the credit card offer. You will see one particular APR or a range of APRs. If you see the range of interest rates, your APR will be determined by a credit card issuer based on your creditworthiness and after you submit your application.

What is a low interest rate for a credit card?

Credit cards can come with interest rates below 19.99% and with 0% introductory APRs. An introductory period with a 0% intro APR varies from bank to bank but as a rule it is not less than six months. You can find a credit card with 0% intro APR for a year or more provided your credit is good enough to qualify. If credit card doesn’t have a 0% introductory APR your interest rate will be determined based on your credit score and creditworthiness.

How low can credit card interest rates get?

The interest rate can be 0% but only as a promotional offer and for a certain period of time. People with excellent credit can get interest rate as low as below 10%. However, every cardholder can avoid interest payments if they pay off the card balance in full each month. Today almost every credit card has a grace period of at least 21 days during which you can pay off your credit card bill without having to pay interest. The grace period applies to new purchases only.