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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 Ring™ Mastercard®See Rates & Fees Credit Recommended: Excellent

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 10.49% Variable

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: 10.49% Variable
Balance Transfer Fee: None

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 10.49% Variable
Intro APR on Balance Transfers: N/A
Regular APR: 10.49% Variable
Balance Transfer Fee: None
Annual Fee: $0
Application Processing Fee: See terms

Barclaycard Ring™ Mastercard®See Rates & Fees Credit Recommended: Excellent

Card details:

A low, variable APR on purchases, balance transfers and cash advancesNo annual feeNo balance transfer fees Show More
No foreign transaction feesChip 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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WebBank/Gettington Credit Account Credit Recommended: Fair / Good

PURCHASES:

Intro APR on Purchases: n/a
Regular APR: 29.99% (non-variable)

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: 29.99% (non-variable)
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/Gettington Credit Account Credit Recommended: Fair / Good

Card details:

Gettington Credit Account (issued by WebBank)Gettington offers thousands of name brand products and convenient credit.Gettington Credit Account features a low APR, no annual fees**, no hidden fees** and the ability to pay your way: Show More
FAST Option: Use this when you want to pay off purchases faster. Make 4 Monthly Payments and you´ll be paid in full.EASY Option: Use this when you need more flexibility. Spread out the cost of your purchase over 24 Monthly Payments or less - much faster than a typical credit card payback!New customer offer. Free shipping on your first order of $49 with an approved Gettington Credit Account** Enter Code: GTN918
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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 for up to 18 months; a variable go-to APR applies after that.No Annual Fee.Enjoy 0% Intro APR on Balance Transfers for up to 21 months; a variable go-to APR applies after that. Show More
Earn rewards on all purchases, every day.
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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 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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National Credit Direct Credit Recommended: Bad/Fair

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: See Terms*
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: See Terms*
Application Processing Fee: $0

National Credit Direct Credit Recommended: Bad/Fair

Card details:

Guaranteed Approval on Big screen TVs, computers/tablets, mattresses, appliances/vacuums, toys, jewelry, handbags, watches, gaming and more!5% Cash Back on All Purchases or FREE merchandise6$1/day6 or less for Apple, Samsung, Acer and more Show More
No Over Limit FeeFREE Credit Score Every Month -- Won´t affect your creditBad Credit, No Credit, No ProblemBuild Your Credit and Payment History with Unsecured Credit LineUp to $3,500 Spending LimitInstant Response -- Start shopping in the next 60 Seconds
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Simmons Visa® Credit Recommended: Excellent

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 9.75% (variable)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: 9.75% (variable)
Balance Transfer Fee: NONE

FEES:

Annual Fee: NONE
Application Processing Fee: See Terms
Intro APR on Purchases: N/A
Regular APR: 9.75% (variable)
Intro APR on Balance Transfers: N/A
Regular APR: 9.75% (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 9.75% 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: 11.75% (variable)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: 11.75% (variable)
Balance Transfer Fee: NONE

FEES:

Annual Fee: NONE
Application Processing Fee: See Terms
Intro APR on Purchases: N/A
Regular APR: 11.75% (variable)
Intro APR on Balance Transfers: N/A
Regular APR: 11.75% (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 11.75% 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 one point 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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Amalgamated Bank of Chicago Union Strong Credit Card Credit Recommended: Excellent / Good

PURCHASES:

Intro APR on Purchases: 0% for 12 months
Regular APR: 11.00% (V)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: 0% for 12 months
Regular APR: 11.00% (V)
Balance Transfer Fee: 3% of each balance transfer (minimum $5)

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Purchases: 0% for 12 months
Regular APR: 11.00% (V)
Intro APR on Balance Transfers: 0% for 12 months
Regular APR: 11.00% (V)
Balance Transfer Fee: 3% of each balance transfer (minimum $5)
Annual Fee: $0
Application Processing Fee: See terms

Amalgamated Bank of Chicago Union Strong Credit Card Credit Recommended: Excellent / Good

Card details:

0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 11.00% (V)Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account openingUnlimited Points That Don´t Expire Show More
Earn Points on Every Purchase! It’s simple: $1 = 1 PointNo Annual FeeSelect Your Rewards Your Way
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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:

Receive Your Card More Quickly with New Expedited Processing OptionNo Credit History or Minimum Credit Score Required for ApprovalQuick and Complete Online Application Show More
Full-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.
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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.