Low interest credit cards come in two forms: an introductory zero interest period, and a low ongoing APR. It’s important to know why you want the card, and how long you plan to use it. If you’re making a one-time big purchase and aren’t likely to hold the card for more than a few years, you might prefer a card with a 0% intro APR. On the other hand, if you tend to carry a balance month-to-month, you’ll be better served with a consistently low rate. For our recommendations, check out our list of the best low interest credit cards.
| Credit Card | Annual Fee | Introductory APRs | Ongoing APRs | *True Interest Cost
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![]() Citi® Diamond Preferred® Card |
$0* |
0% Intro APR for 18 Months on Balance Transfers* and 18 Months on Purchases* |
2.99% Apply Now |
![]() Citi Simplicity® Card |
$0* |
0% Intro APR for 18 Months on Balance Transfers* and 18 Months on Purchases*
|
3.23% Apply Now |
![]() Slate® from Chase |
$0 |
0% Intro APR on purchases and balance transfers for 15 months |
4.48% Apply Now |
![]() Discover it® |
$0 |
0% intro APR on purchases and balance transfers for 14 months. |
4.57% Apply Now |
![]() Citi ThankYou® Card |
$0* |
0% Intro APR on Balance Transfers and Purchases for 15 months |
4.85% Apply Now |
![]() Chase Freedom® Visa |
$0 |
0% APR for 15 months on purchases & balance transfers |
5.23% Apply Now |
![]() Capital One® VentureOneSM Rewards Credit Card |
$0 |
0% Intro APR on Purchases until June 2014 |
5.94% Apply Now |
![]() Blue Cash Everyday® Card from American Express |
$0 |
0% on Purchases for 12 months |
6.48% Apply Now |
![]() Citi® Dividend Platinum Select® Visa® Card |
$0* |
0% Intro APR for 12 months on Balance Transfers and Purchases*
|
6.48% Apply Now |
![]() Union Bank Platinum Edition Visa Card |
$0 |
Purchase: 0% for 12 mos Balance Transfer: 0% for 12 mos |
7.47% Apply Now |