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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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Barclaycard CashForward™ World MasterCard® Credit Recommended: Excellent

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 15.24%, 20.24% or 25.24%* Variable

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% (15 months (on balance transfers made within 45 days of account opening))
Regular APR: 15.24%, 20.24% or 25.24%* Variable
Balance Transfer Fee: 3%

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 15.24%, 20.24% or 25.24%* Variable
Intro APR on Balance Transfers: 0% (15 months (on balance transfers made within 45 days of account opening))
Regular APR: 15.24%, 20.24% or 25.24%* Variable
Balance Transfer Fee: 3%
Annual Fee: $0
Application Processing Fee: See terms

Barclaycard CashForward™ World MasterCard® Credit Recommended: Excellent

Card details:

Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account openingEarn unlimited 1.5% cash rewards on every purchaseEvery time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption Show More
Redeem your cash rewards for a deposit into your bank account, a statement credit or gift cards. Redemptions start at $50Cash rewards do not expire as long as your account is open, active and in good standing0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that a variable APR will apply, 15.24%, 20.24% or 25.24%, based on your creditworthiness. Please note, there is a fee for balance transfersNo annual fee
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Barclaycard Arrival Plus™ World Elite MasterCard® Credit Recommended: Excellent/Good

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 16.49%, 20.49% or 23.49%* Variable

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% (12 months (on balance transfers made within 45 days of account opening))
Regular APR: 16.49%, 20.49% or 23.49%* Variable
Balance Transfer Fee: 3%

FEES:

Annual Fee: $89 - waived first year
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 16.49%, 20.49% or 23.49%* Variable
Intro APR on Balance Transfers: 0% (12 months (on balance transfers made within 45 days of account opening))
Regular APR: 16.49%, 20.49% or 23.49%* Variable
Balance Transfer Fee: 3%
Annual Fee: $89 - waived first year
Application Processing Fee: See terms

Barclaycard Arrival Plus™ World Elite MasterCard® Credit Recommended: Excellent/Good

Card details:

Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement creditEarn 2X miles on all purchasesRedeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary Show More
Get 5% miles back to use toward your next redemption, every time you redeemMiles don't expire as long as your account is open, active and in good standingNo foreign transaction fees on anything you buy while in another country0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.49%, 20.49% or 23.49%, based on your creditworthiness. Please note, there is a fee for balance transfers
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Credit One Bank® Platinum Visa® for Building Credit Credit Recommended: Fair

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 15.90% - 24.40% Variable

BALANCE TRANSFERS:

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

FEES:

Annual Fee: $0 - $99
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 15.90% - 24.40% Variable
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: $0 - $99
Application Processing Fee: See terms

Credit One Bank® Platinum Visa® for Building Credit Credit Recommended: Fair

Card details:

See if you Pre-Qualify without harming your credit score.This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.All the features you want in a credit card are included. Show More
Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
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JetBlue Card Credit Recommended: Excellent/Good

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 12.49%, 20.49% or 25.49% variable

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% introductory APR (First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening)
Regular APR: 12.49%, 20.49% or 25.49% variable
Balance Transfer Fee: 3%

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 12.49%, 20.49% or 25.49% variable
Intro APR on Balance Transfers: 0% introductory APR (First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening)
Regular APR: 12.49%, 20.49% or 25.49% variable
Balance Transfer Fee: 3%
Annual Fee: $0
Application Processing Fee: See terms

JetBlue Card Credit Recommended: Excellent/Good

Card details:

Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking. Show More
Points awarded in your TrueBlue account don't expire.Earn and share points together with Family Pooling.50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flightsNo foreign transaction feesChip technology & $0 Fraud Liability protection
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Barclaycard Ring™ Mastercard® Credit Recommended: Excellent

PURCHASES:

Intro APR on Purchases: 0% (15 months)
Regular APR: 13.49% Variable

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% (15 months (on balance transfers made within 45 days of account opening))
Regular APR: 13.49% Variable
Balance Transfer Fee: None

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Purchases: 0% (15 months)
Regular APR: 13.49% Variable
Intro APR on Balance Transfers: 0% (15 months (on balance transfers made within 45 days of account opening))
Regular APR: 13.49% Variable
Balance Transfer Fee: None
Annual Fee: $0
Application Processing Fee: See terms

Barclaycard Ring™ Mastercard® Credit Recommended: Excellent

Card details:

0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.49%No balance transfer feesNo foreign transaction fees Show More
Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroadFree online access to FICO® Credit Score
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Credit One Bank® Platinum Credit Card with Rewards Credit Recommended: Fair

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 15.90% - 24.40% Variable

BALANCE TRANSFERS:

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

FEES:

Annual Fee: $0 - $99
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 15.90% - 24.40% Variable
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: $0 - $99
Application Processing Fee: See terms

Credit One Bank® Platinum Credit Card with Rewards Credit Recommended: Fair

Card details:

Find out if you Pre-Qualify without affecting your credit scoreThis unsecured card provides opportunities to raise your credit scoreReceive opportunities for credit line increases, a fee may apply Show More
Monitor your credit with free online access to your credit score1% cash back on eligible purchases, terms applyZero fraud liability protects you from unauthorized chargesEmail or text alerts to remind you when your payment is due
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Best Credit Cards from Credit-Land.com Credit Recommended: Excellent / Good

PURCHASES:

Intro APR on Purchases: 0% (21 months)
Regular APR: See Site

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% (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% (21 months)
Regular APR: See Site
Intro APR on Balance Transfers: 0% (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:

0% Intro APR.No Annual Fee.Great Rewards Programs.

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.