Credit Cards - 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
Best Low Interest Credit Card
TrueEarnings® Card from Costco and American Express
- Earn cash back on gas and a $25 statement credit with your first purchase made with the Card.
- Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- No Annual Fee with your paid Costco Membership
- The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
- No Limit on the Cash Back earned
Why we recommend it...
With the American Express Costco credit card you have the luxury of 0% APR on purchases for the first three months, then the APR bounces up to a low interest rate of 13.24%. In addition to the low interest rate the credit card provides1% cash back everywhere, including Costco, 3% cash back at restaurants, and 2% cash back for travel. There is no annual fee for the American Express Costco cash back card and no limit on cash back earned.
Pros:
- Low Interest Rates
- No Annual Fee
Cons:
- Requires High Credit Score
- Fee on Balance Transfers
Credit Score Approval Data †
Average Credit Score Approved for this Card
Lowest Credit Score Approved for this Card
Additional low interest rate credit cards
Platinum Zero™ Secured Visa® Credit Card
- ZERO - 0% FIXED APR on Purchases - No Intro Rates!
- ZERO - 0% Rate Won’t Change - Even If You’re Late!
- ZERO Turn Downs - Guaranteed Approval*
- ZERO Credit and Income Requirements
- ZERO Application Fees
- ZERO Hassles - Just Choose Your Credit Limit Up To $5,000*
- ZERO Worries - FREE Personal ID Theft Protection
- ZERO Delays - Timely CREDIT Bureau Reporting!
*Requires identity and residence verification and minimum deposit amount of $500 up to $5,000.
Orchard Bank Classic MasterCards
- 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
Citi® Platinum Select® Card
- 0% APR* on balance transfers and purchases for 9 months
- No annual fee
- Citi® Identity Theft Solutions
- $0 Liability on unauthorized purchases
- Secure, free online account management
- Extra Cash from Citi: enjoy significant discounts on gift cards, travel, merchandise and more.
* 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. We hope this information helps you in your selection. Please note because factors including income, length of credit history, and employment status can affect credit card approval, these are only guidelines and approval is not guaranteed.
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