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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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JetBlue Plus Card Credit Recommended: Excellent

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 12.99%, 20.99% or 25.99% 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: 12.99%, 20.99% or 25.99% variable
Balance Transfer Fee: The greater of $5 or 3% of the transfer

FEES:

Annual Fee: $99
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 12.99%, 20.99% or 25.99% 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: 12.99%, 20.99% or 25.99% variable
Balance Transfer Fee: The greater of $5 or 3% of the transfer
Annual Fee: $99
Application Processing Fee: See terms

JetBlue Plus Card Credit Recommended: Excellent

Card details:

Earn 30,000 bonus points after you spend $1,000 on purchases within the first 90 daysEarn 6 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchasesNo 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 PoolingEarn 5,000 bonus points every year after your account anniversary50% savings on eligible inflight purchases like cocktails and food & the primary cardmember´s first checked bag is free on JetBlue-operated flightsEnjoy TrueBlue Mosaic benefits for one year after you spend $50,000 or more on purchases each calendar year with your cardEnjoy a $100 statement credit after purchasing a JetBlue Vacations package of $100 or more with your JetBlue Plus Card
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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.

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Barclaycard Arrival Plus® World Elite Mastercard® Credit Recommended: Excellent

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 16.99%, 20.99% or 23.99% Variable

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% (12 months (on balance transfers made within 45 days of account opening))
Regular APR: 16.99%, 20.99% or 23.99%* Variable
Balance Transfer Fee: 3%, Minimum $5

FEES:

Annual Fee: $89 - waived first year
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 16.99%, 20.99% or 23.99% Variable
Intro APR on Balance Transfers: 0% (12 months (on balance transfers made within 45 days of account opening))
Regular APR: 16.99%, 20.99% or 23.99%* Variable
Balance Transfer Fee: 3%, Minimum $5
Annual Fee: $89 - waived first year
Application Processing Fee: See terms

Barclaycard Arrival Plus® World Elite Mastercard® Credit Recommended: Excellent

Card details:

Enjoy 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that´s enough to redeem for a $400 travel statement credit toward an eligible travel purchaseEarn 2X miles on all purchasesGet 5% miles back to use toward your next redemption, every time you redeem Show More
Miles don´t expire as long as your account is open, active and in good standingNo foreign transaction fees on purchases made while traveling abroad0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.99%, 20.99% or 23.99%, based on your creditworthiness. There is a fee for balance transfers.
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WebBank/Fingerhut Credit Account Credit Recommended: Bad

PURCHASES:

Intro APR on Purchases: n/a
Regular APR: See Terms

BALANCE TRANSFERS:

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

FEES:

Annual Fee: $0
Application Processing Fee: See Terms
Intro APR on Purchases: n/a
Regular APR: See Terms
Intro APR on Balance Transfers: n/a
Regular APR: n/a
Balance Transfer Fee: See Terms
Annual Fee: $0
Application Processing Fee: See Terms

WebBank/Fingerhut Credit Account Credit Recommended: Bad

Card details:

No Annual Fee. See WebBank/Fingerhut Credit Account Terms.No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.Instant Response (Delays may occur depending on application data provided). Show More
Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.Choose From Over 450,000 items.Shop Great Brands at Fingerhut.com.Get the Credit You Deserve.We just love saying "YES!"
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Horizon Gold Credit Card 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 Card Credit Recommended: Bad

Card details:

Must have Active Debit Card or Credit Card to qualify.$500 Credit Limit.No Credit Check. Show More
No Employment Check.Reports to a Major Credit Bureau.Fast Online Application.Bad Credit accepted.
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National Credit Direct Credit Recommended: Any

PURCHASES:

Intro APR on Purchases: n/a
Regular APR: 0.0%

BALANCE TRANSFERS:

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

FEES:

Annual Fee: $49
Application Processing Fee: $0
Intro APR on Purchases: n/a
Regular APR: 0.0%
Intro APR on Balance Transfers: n/a
Regular APR: n/a
Balance Transfer Fee: See Terms
Annual Fee: $49
Application Processing Fee: $0

National Credit Direct Credit Recommended: Any

Card details:

Shop Brand Name Electronics.No Turn Downs.Credit Limit of Up To $3,500.6 Show More
0% APR.FREE: Get your credit score every month and reasons affecting it.Reward Points for every dollar spent.Low Flexible Payments.Reports to Major Credit Bureau.Bad Credit - OK.
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6 In Accordance with Terms and Conditions.

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.