The Best Low Interest Credit Cards

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

Discover it®
Discover it®
Apply Now...
at Discover's
secure site
  • 0% intro APR on purchases & balance transfers for 14 months-then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power*.
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements*.
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S.-based customer service-anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
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
691 Average credit score approved for this card† 658 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
712 Average credit score approved for this card† 649 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: May 14, 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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