The Best Low Interest Credit Cards

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If you’re the type of credit card carrier that rolls a balance over from month to month, than having a low interest credit card is a very important part of your wallet.  Gone are the days of 5% interest, but that doesn’t mean you have to settle for default APR’s of as high as 34.99%.

Many of the low interest credit cards you’ll find on our list come with added benefits that should be taken advantage of.  Whether it’s a cash back bonus after signing up or a great balance transfer offer that will allow you extra time in paying off a big balance, carrying a low interest credit card is a great way to make a big purchase without paying a ton of interest.

DR Favorite

Citi ThankYou® Preferred Card - Low Intro APRs
Citi ThankYou® Preferred Card - Low Intro APRs
Apply Now...
at CitiBank's
secure site
  • Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
  • 1 ThankYou Point on other purchases.
  • Points do not expire and earn unlimited ThankYou Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 15 Months* 0%* 15 Months* 12.99% – 22.99%* Variable $0*
727 Average credit score approved for this card† 641 Lowest credit score approved for this card†

Discover it®
Discover it®
Apply Now...
at Discover's
secure site
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Plus, pay up to midnight ET online or by phone on your due date without a fee. No late fee on your first late payment. And paying late won’t raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014 when you sign up.*
  • Human. 100% U.S.-based customer service available any time.
  • Looking out for you. Because we monitor every Discover card purchase, every day. If something looks suspicious, we alert you by e-mail, phone or text. And you’re never responsible for any unauthorized purchases on your Discover card account. Period.*
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0% 14 Months 0% 14 Months 10.99% – 22.99%* Variable $0
711 Average credit score approved for this card† 676 Lowest credit score approved for this card†

Citi Simplicity® Card
Citi Simplicity® Card
Apply Now...
at CitiBank's
secure site
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 18 Months* 0%* 18 Months* 12.99% – 21.99%* Variable $0*
720 Average credit score approved for this card† 644 Lowest credit score approved for this card†

U.S. Bank Visa® Platinum Card
U.S. Bank Visa® Platinum Card
Apply Now...
at US Bank's
secure site
  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-23.99%
  • No annual fee*
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
  • Online account management and account alerts
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0% 15 Months 0% 15 Months 9.99% – 23.99%* Variable $0
730 Average credit score approved for this card† 661 Lowest credit score approved for this card†

Citi® Dividend Platinum Select® Visa® Card
Citi® Dividend Platinum Select® Visa® Card
Apply Now...
at CitiBank's
secure site
  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 12 Months* 0%* 12 Months* 12.99% – 22.99%* Variable $0*
712 Average credit score approved for this card† 656 Lowest credit score approved for this card†

* 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 Now” button, you can review the credit card terms and conditions on the issuer’s website.

Discover is a paid advertiser of this site.

Published or Updated: February 21, 2014
About Rob Berger

Rob founded the Dough Roller in 2007. A litigation attorney in the securities industry, he lives in Northern Virginia with his wife, their two teenagers, and the family mascot, a shih tzu named Sophie.

Comments

  1. Ada Velez says:

    Please send me A $100 chase bank card. Thank you…

  2. Lori Lowe says:

    Thank you so much for the $100.00 bank card.

    Lori Lowe
    6830 Coal Creek Parkway SE C 101
    Newcastle, WA 98059

  3. Rhonda Ritchey says:

    Please send me a $100 chase bank card. Thank you…

  4. Foony says:

    “Discover is a paid advertiser of this site.”

    Site respect has dropped to 0%. Seems like a bit of a conflict of interest. (puns intended)

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