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Low Interest Credit Cards

Compare the features of different low interest credit cards that feature low regular APRs and/or low intro rates. Review and find the best cards you can get with your credit score.

Credit Needed: Excellent

  • We'll DOUBLE all the cash back you've earned at the end of your first year. So if you earned $101 cash back, we'll double it to $202—Automatically. Only for new cardmembers.*
  • 5% cash back in categories that change each quarter like gas, restaurants, home improvement stores and more -up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • 0% intro APR* on purchases & balance transfers for 12 months—then a variable purchase APR applies, currently 11.24% – 23.24%. A 3% fee applies to each transferred balance.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%12 months 0%12 months 11.24% – 23.24% Variable* $0

Credit Needed: Excellent, Good

  • Chase Slate named "Best Credit Card for Balance Transfers" three years in a row by MONEY Magazine
  • $0 Introductory balance transfer fee for transfers made during the first 60 days
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Free Monthly FICO® Score and Credit Dashboard
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee
  • See additional Chase Slate® details
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%15 Months 0%15 Months 13.24%-23.24% Variable $0

Credit Needed: Excellent

  • No Balance Transfer Fees - start saving immediately!
  • A low variable APR on balance transfers and purchases
  • No Annual Fee
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
n/an/a n/an/a 8.25%* Variable $0

Credit Needed: Excellent, Good

  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% intro on purchasesuntil November 2016 0% intro on balance transfersuntil November 2016 13.24% - 23.24% (Variable) $0

Credit Needed: Excellent, Good

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% intro on purchasesuntil February 2017 N/AN/A 12.24% - 22.24% (Variable) $0

About Low APR Credit Cards

Low APR, 0 percent APR, low introductory APR… but what does it all mean? Those three-little letters—APR—may seem benign, but when it comes to credit cards, they carry a lot of weight.

Your credit card’s APR or interest rate is the annual percentage rate of interest you will be charged on all or a portion of your credit card balance every month (if you don’t pay the full amount by the due date). The lower the APR, the less interest you will pay over time, so you can see why you might want to start paying attention to your APR now, if you haven’t before.

Many cards assign a different APR to different types of transactions. For example, the APR on cash advances is almost always higher than the APR on purchases. When you apply for a credit card, your APR is calculated based upon a variety of factors such as your credit score, how long you’ve used credit, and the balances on other credit cards you have.