Best Low Interest Credit Card Offers
Low Interest Credit Card Applications
Low interest credit cards with a low ongoing APR are particularly suited for people who carry a balance month to month. The low interest cards on our page offer some of the lowest ongoing interest rates for purchases and balance transfers. Many have 0 interest Annual Percentage Rates or APR for up to 15 months. These also include no annual fees and cash back with rewards. Scroll down and select the best low interest card for you and be approved in seconds. Apply Now!
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| - 0% intro APR on balance transfers for a full 15 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
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| Bal Transfer Intro Rate | Bal Transfer Intro Period | Pur Intro APR | Pur Intro Period | Regular APR | Annual Fee | | 0%* | 15 Months* | 0%* | 6 Months* | 11.99% - 20.99% (Variable)* | None |
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| - 0% intro APR on balance transfers for a full 12 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- Get $75 Cashback Bonus when you make $500 in purchases within 3 months
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
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| Bal Transfer Intro Rate | Bal Transfer Intro Period | Pur Intro APR | Pur Intro Period | Regular APR | Annual Fee | | 0%* | 12 months* | 0%* | 6 months* | 11.99% - 20.99% (Variable)* | None |
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| - 2% Cashback Bonus automatically at any gas station and any restaurant
- 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus on all other purchases
- 0% intro APR on balance transfers for 12 full months, then the Regular APR
- 0% intro APR on purchases for 6 months, then the Regular APR
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| Bal Transfer Intro Rate | Bal Transfer Intro Period | Pur Intro APR | Pur Intro Period | Regular APR | Annual Fee | | 0%* | 12 Months* | 0%* | 6 Months* | 11.99% - 20.99% (Variable)* | None |
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| - 0% intro APR on balance transfers for a full 12 months, then the Regular APR
- 0% intro APR on purchases for a full 9 months, then the Regular APR
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
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| Bal Transfer Intro Rate | Bal Transfer Intro Period | Pur Intro APR | Pur Intro Period | Regular APR | Annual Fee | | 0%* | 12 months* | 0%* | 9 months* | 11.99% - 20.99% (Variable)* | None |
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| - Absolutely No Fees!
- Introductory Purchase Rate – 7.49% APR for the first 36 months. Afterwards, the APR will vary with the Prime Rate and is currently 9.99% APR.
- No Balance Transfer Fees – Good till June 30, 2010
- No Foreign Transaction Fees!
- Some restrictions apply.
- You must be a Pentagon Federal Credit Union member to apply. Not a member? It’s easy to join. Click here to learn more.
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| Bal Transfer Intro Rate | Bal Transfer Intro Period | Pur Intro APR | Pur Intro Period | Regular APR | Annual Fee | | 7.49% | 36 months | 7.49% | 36 months | 9.99% | None |
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| - 5 Points for Every $1 Spent on Airfare!
- 3 Points on Hotels and Dining (through December 31, 2010)
- No Balance Transfer Fees – Good till June 30, 2010
- Automatic enrollment in PenFed Premium Rewards Program
- Access to 600+ Luxury VIP Global Airport Lounge Access with $15,000 Annual Spend
- 24/7 Premium Concierge Service
- Exclusive Travel Upgrades and Offers
- Redeem on any Airline; no black-out dates or restrictions
- Spend $650 in the First Three Months and Receive 20,000 bonus points
- No Foreign Transaction Fees!
- You must be a Pentagon Federal Credit Union member to apply. Not a member? It’s easy to join. Click here to learn more.
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| Bal Transfer Intro Rate | Bal Transfer Intro Period | Pur Intro APR | Pur Intro Period | Regular APR | Annual Fee | | 4.99%-6.99%* | 24 months | N/A | N/A | 13.24% | $50 |
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| - 12,000 Bonus Miles - 1,000 Bonus Miles each month you make a purchase for your first year
- Double Miles on your first $3,000 in travel and restaurant purchases each year
- Double Miles through our exclusive online shopping site
- One Mile for every dollar on all other purchases
- Flexible redemption options for travel, gift cards, or cash
- 0% intro APR on balance transfers and purchases for 6 months, then the Regular APR
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| Bal Transfer Intro Rate | Bal Transfer Intro Period | Pur Intro APR | Pur Intro Period | Regular APR | Annual Fee | | 0%* | 6 Months* | 0%* | 6 Months* | 10.99% - 16.99% (Variable)* | None |
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| - Cash rewards for your good credit management
- Each time you make 6 on-time payments in a row, you'll get a Pay-On-Time Bonus equal to a full month's interest added to your Cashback Bonus account
- 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus on all other purchases
- 3.99% intro APR on balance transfers for a full 15 months, then the Regular APR
- 3.99% intro APR on purchases for a full 12 months, then the Regular APR
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| Bal Transfer Intro Rate | Bal Transfer Intro Period | Pur Intro APR | Pur Intro Period | Regular APR | Annual Fee | | 3.99%* | 15 Months* | 3.99%* | 12 Months* | 11.99% - 20.99% (Variable)* | None |
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| - 13.99% APR – Lower than most rewards cards!
- Earn 2.00% Cash Back on Supermarket Purchases*
- Earn 5.00% Cash Back from Gas Purchases Paid at the Pump*
- Earn 1.00% Cash Back from All Purchases** You Make with the Card During Each Billing Cycle
- No Balance Transfer Fees – Good till June 30, 2010
- Up to $50,000 Limit
- No Annual Fee
- Cash Rewards Credited Each Month
- No Special Restrictions to Earn Your Cash Rewards
- Limited Time Only – Low Balance Transfer Rates†
- You must be a Pentagon Federal Credit Union member to apply. Not a member? It’s easy to join. Click here to learn more.
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| Bal Transfer Intro Rate | Bal Transfer Intro Period | Pur Intro APR | Pur Intro Period | Regular APR | Annual Fee | | 4.99%-6.99%* | 24 months | N/A | N/A | 13.99% | None |
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| - Excellent Credit Required - Applicants that do not have excellent credit will not be approved
- Low 7.25% variable standard purchase APR and platinum benefits
- No balance transfer fee for balances transferred in response to this online offer
- No Annual Fee
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| Bal Transfer Intro Rate | Bal Transfer Intro Period | Pur Intro APR | Pur Intro Period | Regular APR | Annual Fee | | N/A | N/A | N/A | N/A | 7.25% | None |
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| - Excellent Credit Required - Applicants that do not have excellent credit will not be approved
- Low 9.25% variable standard purchase APR and platinum benefits
- 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
- No Annual Fee
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| Bal Transfer Intro Rate | Bal Transfer Intro Period | Pur Intro APR | Pur Intro Period | Regular APR | Annual Fee | | N/A | N/A | N/A | N/A | 9.25% | None |
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| - No annual membership fee
- Low variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
- Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- Online access to credit card account information
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| Bal Transfer Intro Rate | Bal Transfer Intro Period | Pur Intro APR | Pur Intro Period | Regular APR | Annual Fee | | 1.99% | 6 Billing Cycles | N/A | N/A | 7.25%, 10.25%, or 13.25% | None |
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| - No annual membership fee
- Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
- Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- Earn 1% in cash back credit on all qualifying purchases
- No limit on cash back; no expiration date on eligibility for accounts in good standing
- Travel accident coverage up to $500,000
- Online access to credit card account information
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| Bal Transfer Intro Rate | Bal Transfer Intro Period | Pur Intro APR | Pur Intro Period | Regular APR | Annual Fee | | 1.99% | 6 Billing Cycles | N/A | N/A | 9.25%, 12.25%, or 15.25% | None |
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| - No annual membership fee
- Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
- Low Introductory ARP on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- Earn 1 bonus point for every $1 in qualifying net retail purchases
- Turn your points into hotel, gift, or experience rewards
- Travel accident coverage up to $1,000,000
- Online access to credit card account information
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| Bal Transfer Intro Rate | Bal Transfer Intro Period | Pur Intro APR | Pur Intro Period | Regular APR | Annual Fee | | 1.99% | 6 Billing Cycles | N/A | N/A | 9.25%, 12.25%, or 15.25% | None |
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| - 25,000 Bonus Miles - 1,000 Bonus Miles each month you make a purchase for your first 25 months
- Unlimited Double Miles on all purchases
- An additional 2 Miles for every $1 you spend through our exclusive online shopping site, ShopDiscover
- Flexible redemption options for travel, gift cards, or cash
- Enhanced travel benefits
- 0% intro APR on Balance Transfers and Purchases for 6 months, then the Regular APR
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| Bal Transfer Intro Rate | Bal Transfer Intro Period | Pur Intro APR | Pur Intro Period | Regular APR | Annual Fee | | 0%* | 6 months* | 0%* | 6 months* | 10.99% - 16.99% (Variable)* | $60* |
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| - Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. (If there is an interest charge, the charge will be no less then $1.00). This rate will not change during the introductory period.
- Low Introductory APR on Balance Transfers of 1.99% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, and Prime + 8.25%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less then $1.00).
- Online access to credit card account information
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| Bal Transfer Intro Rate | Bal Transfer Intro Period | Pur Intro APR | Pur Intro Period | Regular APR | Annual Fee | | 1.99% | 12 Billing cycles* | 0% or 7.50% | 12 Months | 7.50%, 9.50% or 11.50%* | $35 |
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