Low Interest credit cards offer 0% introductory APRs, low introductory APRs, or low fixed rate APRs. These cards can be great for people who carry a balance from month-to-month. The low interest rates can be offered for purchases and/or balance transfers, so review the credit cards below to see which benefits might be best for you.

Credit One Bank® Visa® - No Deposit Required

Intro Rate
N/A
Intro Period
N/A
Regular APR
15.65% - 24.15% Variable
Annual Fee
$0 - $99
Credit Recommended
Fair
Balance Transfer
N/A

Highlights

  • See if you Pre-Qualify without harming your credit score
  • 1% cash back on gas & groceries, terms apply
  • This is a fully unsecured credit card with no deposit requirement
  • Flexible payment date to assist you in making your payments on time
  • Automatic reviews for credit line increase opportunities

Capital One® Venture® Rewards Credit Card

Intro (Purchases)
N/A
Intro (Transfers)
N/A
Regular APR
13.24% - 23.24% (Variable)
Annual Fee
$0 intro for first year; $59 after that
Credit Recommended
Excellent, Good

Highlights

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don't expire and there’s no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $59 after that

Capital One® Quicksilver® Cash Rewards Credit Card

Intro (Purchases)
0% for 9 months
Intro (Transfers)
0% for 9 months
Regular APR
13.24% - 23.24% (Variable)
Annual Fee
$0
Credit Recommended
Excellent, Good

Highlights

  • One-time $100 cash bonus after you spend $500 on purchases within 3 months of approval
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.24%-23.24% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.24%-23.24% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

Capital One® Venture® Rewards Credit Card

Intro (Purchases)
N/A
Intro (Transfers)
N/A
Regular APR
13.24% - 23.24% (Variable)
Annual Fee
$0 intro for first year; $59 after that
Credit Recommended
Excellent, Good

Highlights

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don't expire and there’s no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $59 after that

BuyPower Card from Capital One® -Get The Card That Helps You Get The Car

Intro (Purchases)
0% for 12 months
Intro (Transfers)
n/a
Regular APR
13.15% - 23.15% (V)
Annual Fee
$0
Credit Recommended
Excellent/Good

Highlights

  • 5% Earnings on your first $5,000 in purchases every year. Unlimited 2% Earnings on every purchase after that. Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle.
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees. Save even more when you combine your available Earnings with most current GM offers and incentives.
  • 0% intro APR on purchases for 12 months, then a 13.15% – 23.15% variable APR on purchases will apply

*See online credit card application for details on the terms and conditions.


More about Low Interest Rate Credit Cards...

If you carry a balance from month to month, finding a credit card with a low interest rate can save you a significant amount of money. Even if you are attentive about paying your full balance each month, an emergency situation might arise in which you'd be unable to do that. Therefore, even if you intend not to carry a balance, it's still best to look for a card with a low APR.

Since the APR is often determined by your credit history, those with a good rating can usually find low-interest cards fairly easily. However, given the number of credit companies competing for consumers, the competition may make it possible for you to get a lower rate even if your record isn't stellar. Keep in mind, credit card rates are usually variable – meaning that unless your card offers a fixed rate (which is usually fairly high), the APR can change. If you miss a payment or exceed your limit, your rate will increase. So once you have a card with a low rate, it's up to you to keep it low.

CreditSoup.com can help in your search for low interest. On this page, we show you a selection of low interest rate options to help you find the best card for your situation.