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We have thoroughly researched over 200 credit cards to find the top cards with the lowest interest rates. Most of these cards have no annual fee. We have included our unbiased opinion on each card. We also have objective comparisons of Reward Cards, Business Cards,Low Intro Rate Cards, Student Cards, and Cards for Consumers with Poor Credit
TOP Low Interest Cards Company Interest Rate Intro Rate Grace Period Credit Limit Annual Fee 1 Blue from American Express®
10.24% Variable 0 % on Purchases for 15 months 20 Days upto $100,000 None Special Offers: The introductory rate for purchases varies according to the applicant's credit history, and will be 15 months, 12 months, or 6 months. A 3.99% introductory rate is available on balance transfers for the life of the loan. Opinion: Great intro rate for purchases. The variable rate is one of the lowest we have seen, but your credit will have to be very good to get the lowest rate. Low fixed APR for balance transfers with application. Short Grace Period. More perks than other low rate cards. Cool Blue offers coupons and savings on shipping, discounts to Six Flags, Gap, CostCo, National Car Rental, Sharper Image. Also join American Express Rewards Program for no fee. Redeem points for travel, dining, and shopping certificates. Variety of rewards offered with no yearly limit and no expiration for earned points. Earned points can be combined with various frequent flyer accounts. American Express® services and benefits are provided with this card, such as purchase protection, auto rental insurance, discounts at participating merchants and retailers, a year-end financial statement, and various travel and emergency assistance services. Those who qualify for the lowest rate offered and plan to take advantage of the additional benefits and discounts available will benefit from this card.
2 Chase Platinum Visa®
10.24% Variable 0 % on Purchases, Balance Transfers for 12 months 20 Days (Min.) n/a None Opinion: The Chase Platinum Visa®/MasterCard®, issued by Chase, is designed for those who have very good credit and are looking for an overall good platinum card. The credit card has a reasonable interest rate (lowest rates applied to balances equal to or greater than $2,500), an attractive 0% introductory rate, and no annual fee. Individuals who have a banking account relationship with Chase will also be able to take advantage of a lower APR (1% less than those who do not). Nevertheless, the card does have a high APR for cash advances and there is a minimum cap applied to the APR. Offers Flexible Rewards program with no annual fee. Maximum 60,000 points earned per year. Benefits include up to $500,000 in travel accident insurance, auto rental insurance, and a year-end financial summary of cardholder transactions.
3 Discover® Platinum Card
9.99% Variable 0 % on Purchases, Balance Transfers for 10 months 25 Days (Min.) upto $50,000 None Opinion: A great low interest credit card and a good way to get some cash back. Plus, this card has an attractive interest rate after the intro period ends as long as you have a good credit rating. Long grace period- 25 days. Up to 2% Cashback Bonus® Award - You'll earn up to 1% Cashback Bonus on your purchases, with the opportunity to get up to double your award value with gift cards or certificates from their Cashback Bonus Partners. CashBack rewards: $25-1,500-.25%, $1,500-3,000-.50%, over $3,000- 1%. Redeem in $20 increments. Benefits include up to $500,000 in travel accident insurance, auto rental insurance, and various fraud and security protection services. Those who plan to spend at least $3,000 a year (to earn the 1% cash rebate), plan to use their Cashback Bonus® award at participating retailers (to earn double cash rebates), and plan to pay in full each month after the introductory rate expires (to avoid costly finance charges), will benefit most from this card. * This online application is subject to the terms and conditions as described in the Important Information Section of the application.
4 Advanta Platinum Rewards BusinessCard MasterCard®
7.99% Fixed 0 % on Balance Transfers for 15 months 20 Days upto $50,000 None Opinion: Designed for business owners who are looking to consolidate business expenses onto one credit card account and earn rewards or rebates for business purchases. Lowest rate available for a business card with a generous credit limit. No annual fee and an introductory 0% interest rate for the first 15 months on balance transfers. Cashback rewards are earned based on annual level of account purchases as follows: 0.25% on the first $10,000 in purchases; 0.50% on purchases between $10,001 and $40,000; 0.75% on purchases between $40,001 and $80,000; 1.00% on purchases between $80,001 and $100,000; 2.00% on purchases between $100,001 and $125,000; and 0.50% on purchases over $125,000. Earn one point for every dollar spent on all purchases made with the card. These points can be redeemed for various travel rewards or cash back. There is no yearly limit to the number of points that can be earned; however, points do expire in three years. If the cardholder would prefer cash rebates instead of travel rewards, there is a rebate program available that offers between 1% and 5% back for purchases. It is important to note that the rebate program is free, and the rewards program has a $35 yearly fee. Many common platinum business features can be found with this card, such as auto rental insurance, extended warranty coverage, itemized expense reports, and online account access. Cardholders are also offered discounts on various products and services from participating retailers and merchants.
5 Miles Card from Discover® Card
9.99% Variable 0 % on Purchases, Balance Transfers for 10 months 25 Days (Min.) n/a None Opinion: This card has an attractive 0% introductory rate for twelve months on balance transfers and an annual fee of $29, which is quite reasonable for a travel reward program. The APR for this card is also reasonable, although it is important to note that only higher qualifying applicants will receive the lowest rate available. Through the reward program, cardholders earn one mile for every dollar spent on general purchases. Earned miles can be redeemed for airfare or reduced airfare on most major U.S. based airlines with no blackout dates. Cardholders earn 5,000 bonus miles with their first purchase. There is a maximum of 60,000 miles that may be accumulated per year and any unused miles will expire in three years if the account has not been active during that time. Platinum benefits include auto rental insurance, up to $500,000 in travel accident insurance, and various Internet account related services.
6 Value Miles Platinum Visa® Card
10.99% Variable 0 % on Purchases, Balance Transfers for 12 months 20 Days (Min.) upto $100,000 None Opinion: This card has a reasonably low interest rate for purchases (compared to other airline reward cards) and a 0% introductory rate for purchases and balance transfers for six months. Through the reward program, cardholders earn one mile for every dollar spent on general purchases. A maximum of 40,000 miles may be accumulated per year and they expire within three years. Earned miles can be applied towards travel on American, Delta, United, Continental, Northwest, USAir and other major airlines; however, miles cannot be combined with frequent flyer programs.
7 Pulaski Bank Gold Visa® Card
8.5% Fixed 0 % on Balance Transfers for 6 months 25 Days upto $10,000 None Special Offers: The introductory rate is available if a transfer is submitted during the first three months. Opinion: Do not apply for this card unless you have EXCELLENT credit; you will also have to supply PROOF OF YOUR INCOME as well as a recent PAY STUB. If you do not, your application will be denied. If you do have outstanding credit, this is a fantastic low interest rate credit card. This card has no annual fee and can be a very good deal if you carry high balances on other cards. The intro rate is 0% on balance transfers for 6 months. This is a good card if you use credit card for cash advances because the rate for purchases and cash advances is the same. It does not charge a cash advance fee or a high cash advance APR. One of the few cards that still has a 25-day grace period. Cardholders can expect common gold benefits such as travel and emergency assistance services, as well as various purchase and protection services. However, members should not expect any extraordinary benefits or services offered by the card. Those who plan to carry a balance (due to the low interest rate offered) and do not want to pay an annual fee will benefit most from what the Pulaski Bank Gold Visa® Card has to offer.
8 Pulaski Bank Visa®/MasterCard®
6.99% Fixed 0 % on Balance Transfers for 6 months 25 Days upto $10,000 $35 Special Offers: The introductory rate is available if a transfer is submitted during the first three months. Opinion: Do not apply for this card unless have EXCELLENT credit; you will also have to supply PROOF OF YOUR INCOME as well as a recent PAY STUB. If you do not, your application will be denied. If you do have outstanding credit, this is a fantastic card. Even though the card has an annual fee, this card can be a very good deal if you carry high balances on other cards. The intro rate is 0% on balance transfers for 6 months. This is a good card if you use credit card for cash advances- it is the only card that does not charge a cash advance fee or a high cash advance APR. One of the few cards that still has a 25-day grace period. However, aside from the very low interest rate for all transactions, cardholders should not expect any extraordinary benefits or services offered by the card.
9 Blue Cash® from American Express®
11.24% Variable 0 % on Purchases for 6 months 20 Days upto $100,000 None Special Offers: A 4.99% introductory rate is available on balance transfers for the life of the loan (valid for transfers submitted during the application process). Opinion: Designed for those with good or excellent credit who plan to take advantage of the cash back reward program. General purchases earn a .5% rebate up to $6,500, and 1.5% over $6,500 up to $50,000; "Everyday Purchases" made at drugstores, gas stations and grocery stores earn a 1% rebate up to $6,500, and 5% over $6,500 up to $50,000. Up to 1.5% cash rebate if you do not carry a balance, PLUS no annual fee. Rebates are limited to the first $50,000 in spending annually. Aside from the cash rebates, this card provides common benefits and services commonly found with American Express® credit cards, such as the buyer's assurance plan, purchase protection plan, and up to $100,000 in travel accident insurance. People who pay off balances and spend more than $5,000 per year could do very well with this card.
10 Discover® Platinum Gas Card
9.99% Variable 0 % on Purchases, Balance Transfers for 10 months 25 Days (Min.) upto $50,000 None Opinion: With a low APR, this is a good choice for those with very good credit. 5% cashback on gas purchases. 1% on all other purchases. Earn 1% (5% for gas) of your first $1,500 in purchases; your second $1,500 in purchases earn .50% (3% for gas); and purchases in excess of $3,000 earn .25%.You will not earn a Cashback Bonus on annual gas purchases in excess of $25,000. Get up to 10% Cashback Bonus when you exchange your cash reward for up to double the amount in gift cards or certificates from Discover Card Partners. Computes balances for purchases with two-cycle daily balance method which usually results in higher finance charges
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