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Low Interest Rate Credit Cards

If your credit is good, shop around for credit cards with lower rates.

Choosing a credit card with the lowest interest rate can save you money. Forty-four percent of all U.S. families had an outstanding balance on some type of credit card after paying their most recent bill.

* This online application is subject to the terms and conditions as described in the Important Information Section of the application.
*See the online 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 Here" button, you can review the credit card terms and conditions on the cooresponding card issuer’s website.

List of Low Interest Rate Credit Cards

Smart consumers comparison shop for credit cards. Competition in the credit card industry is fierce. If you're a good customer, a card company is going to want to hang on to you.

When you're looking for a credit card, be sure to consider the costs and terms. They can make a difference in how much you pay for the privilege of borrowing. Compare them with the costs and terms of the cards you already have to find the plan that best fits your spending and repayment habits.

Key costs and terms to consider are the annual percentage rate (APR) for goods and services as well as for cash advances, the annual fee, and the grace period. Also compare cash-advance fees, late-payment charges, and over-the-limit fees.

Review the following information when you apply for a credit card:

  • Interest rate pricing
    Is the interest rate fixed? Variable? Tiered? If the rate is variable, what is the index? The margin? The multiple?

  • APR
    What is the APR for purchases? For cash advances? For balance transfers? Is there a penalty rate if you make late payments?

  • Finance charge
    What method for determining the outstanding balance is used to calculate the finance charge?
  • Annual fee
    What is the annual fee, if any?

  • Grace period
    What is the grace period for purchases? (Grace periods usually do not apply to cash advances, which begin accruing interest from the day of the transaction.)

  • Other features
    Does the plan offer enhancements that are attractive to you, such as cash rebates, purchase protections, warranties or guarantees, travel accident or automobile rental insurance, discounts on goods and services purchased, and incentives for use, such as frequent flyer miles? Are these features available at no extra cost?

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