Low Interest Rate Credit Cards

With a low interest credit card, you can't expect many other perks like rewards or cash back without paying a higher rate. Low interest credit cards will often come with no annual fee and rates between 6.99% and 9.99%. Like many cards, the APR is variable and indexed to the prime rate. Most low interest credit cards will also require good to excellent credit.

Low interest credit cards are great if you carry a balance and need to keep the interest low. As with all credit cards, on time payment history is the best way to ensure that you keep your low rate. Below are some of our favorite low interest credit cards.

Recommmended just for you

IBERIABANK Visa® Classic Card

Yes No

Apply Now

Variable Rate APR ranging from Prime + 4.00% thru Prime + 10.00% depending on creditworthiness and other factors
Purchase and Cash Advance APR's may vary with the market based on the Prime Rate.
No annual membership fee
Low Introductory APR on balance transfers for the first 6 billing cycles. Applies to balance transfers processed within three months of your account open date
25 day grace period
Online access to credit card account information

Details|

5 Comments| Share| 0 members think this is a good card

Why we recommend it...

If you are looking for one of the lowest credit card rates on the market, you've found it. In a time when other credit cards are soaring to 29.99%+ APR, IberiaBank Visa Classic’s Card keeps its APR at the bottom of the barrel starting with 7.25% APR, based on applicant's creditworthiness. With no annual fee and a bonus low intro APR on balance transfers of 1.99% for the first 6 six billing cycles, consider this the perfect card to switch to for a balance transfer from older cards to pare down debt. If you plan to carry a balance and want a simple card to keep interest charges at a minimal, IberiaBank's Visa Classic is the next go-to card in your wallet.

Pros:

No Annual Fee
Variable Rate APR starting at 7.25%

Cons:

Excellent credit required
No rewards program

Credit Score Approval Data †

tbd

Average Credit Score Approved for this Card

tbd

Lowest Credit Score Approved for this Card

Additional low interest rate credit cards

Platinum Zero(TM) Secured Visa® Credit Card from Applied Bank®

Yes No

Apply Now

ZERO - 0% FIXED APR on Purchases - No Intro Rates!
ZERO - 0% Rate Won’t Change - Even If You’re Late!
ZERO Application Fees
ZERO Worries - FREE Personal ID Theft Protection
ZERO Delays - Timely CREDIT Bureau Reporting

Details|

7 Comments| Share| 14 members think this is a good card

IBERIABANK Visa ® Select Card

Yes No

Apply Now

Introductory Rate of 7.50% for 12 months from date opened on Purchases
Introductory Rate of 7.50% for the first 12 billing cycles on Balance Transfers. Applies to balance transfers processed within three months of your account open date
Low Ongoing Variable Rate APR after introductory period Prime + 4.25%
Purchase and Cash Advance APR’s may vary with the market based on the Prime Rate.
No transaction fee for balance transfers
25 day grace period
Online access to credit card account information

Details|

2 Comments| Share| 22 members think this is a good card

Orchard Bank Classic MasterCards

Yes No

Apply Now

Acceptance at millions of locations worldwide, including website purchases and reservations
Your account information is updated and at your fingertips 24/7 so you can manage it your way
Email and text messages to remind you of your upcoming payment due date with online enrollment
On-call customer service representatives to assist you with questions or concerns

Details|

256 Comments| Share| 159 members think this is a good card

* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on Provider's website.

† Credit Karma members have received approvals with these credit scores. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.