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3.7/5.0 from 118 Offer Ratings
Over the Past 60 Days!
Introductory APR
0% for 15 months on balance transfers and purchases
Rewards Rate
Unlimited 1.5% Cash Back on every purchase, every day
Regular Purchase APR
15.24% - 25.24% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for Capital One® Quicksilver® Cash Rewards Credit Card
Intro Purchase APR
0%* for 12 months on Purchases*
Intro BT APR
0%* for 21 months on Balance Transfers*
Regular Purchase APR
16.24% - 26.24%* (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Citi Simplicity® Card - No Late Fees Ever
Intro Purchase APR
0% for 18 months
Intro Balance Transfer APR
0% for 18 months
Rates and Fees
No annual fee, no foreign transaction fee, and no penalty APR
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for HSBC Gold Mastercard® credit card
Intro Purchase APR
0% intro on purchases for 12 months
Rewards Rate
1.25 Miles per dollar on every purchase, every day
Regular Purchase APR
14.24% - 24.24% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for Capital One® VentureOne® Rewards Credit Card
Intro Balance Transfer APR
0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days
Intro Purchase APR
0% Introductory APR on purchases for 18 billing cycles
Regular APR
15.24% - 25.24% Variable APR
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for BankAmericard® credit card
Introductory APR
0% for 15 months on purchases and balance transfers
Rewards Rate
Unlimited 1.5% cash back on every purchase - it's automatic!
Regular APR
17.24 - 25.99% Variable
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for Chase Freedom Unlimited®
Intro Purchase APR
0% Introductory APR on purchases for 12 billing cycles
Intro BT APR
0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days
Regular APR
16.24% - 26.24% Variable APR on purchases and balance transfers
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Bank of America® Cash Rewards credit card
Rewards Rate
Earn 1.5 points per $1 spent on all purchases
Intro Purchase APR
0% Introductory APR on purchases for 12 billing cycles
Regular APR
17.24% - 25.24% Variable APR on purchases and balance transfers
Typical Credit Needed
Annual Fee
$0
Card Brand
Visa®
See additional details for Bank of America® Travel Rewards credit card
Intro Purchase APR
0%* intro for 18 billing cycles on Purchases*
Intro BT APR
0%* intro for 18 billing cycles on Balance Transfers*
Regular Purchase APR
14.74% - 25.74%* (Variable)
Typical Credit Needed
Annual Fee
$0*
Card Brand
Visa®
See additional details for U.S. Bank Visa® Platinum Card
Rewards Rate
1.5 Cash Rewards program points for every dollar in new, net card purchases.
Sign Up Bonus
Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months
Anniversary Bonus
10% annual cash back bonus
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for HSBC Cash Rewards Mastercard® credit card
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.
Low interest rate (or 0%) credit cards can save you hundreds of dollars on balance transfers and on routine purchases carried over as credit card balances. Or you may simply want to be rewarded with a preferential interest rate as acknowledgement for good credit history and responsible debt management. Whatever your goals or motivation, zero percent or low interest credit cards can help you maintain the lowest rates available to individuals with excellent to good credit. You can find out more about credit score here.
Keep in mind that there are two main categories of low rate credit cards, namely those that offer a Variable APR and those that give you a Fixed APR. Just like with variable versus fixed rate mortgages, a fixed rate APR will remain relatively stable through the course of the loan. If your card company decides to raise it – which is somewhat rare – they will first notify you of that change according to Federal law requirements. With a variable rate, your APR is tied to a prevailing rate such as the Prime Interest Rate. If the prime rate increases then your APR will most likely follow in a similar fashion.
Generally speaking, credit card companies and banks will extend either 6 or 21 month offers – within the 0% to 3.99% annual interest rate range. That can generate a considerable discount when normal APRs are averaging around 15% or higher. Once the introductory promotional period expires, the APR on a low interest credit card or interest free credit card may revert to the regular interest rate. Of course the ideal balance is a credit card that offers a great near term rate followed by an attractive, competitively priced low interest rate for the long term.
The interest rate charged on your credit card is widely regarded as the single most important component of your card. That’s because it determines the major cost for you to borrow or roll over balances and pay them off over time instead of all at once or within the same month that you make purchases. That’s why getting a zero percent or low interest credit card can be huge financial boon, no matter what your credit card usage patterns or money management strategies may be.
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