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.

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Discover IT™
	The new Discover it card is out to change the way people think about credit cards. Fair...no annual fee. No overlimit fee. No foreign transactions fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late* Generous...5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.* Plus a Cash Back ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card Flexible...Choose your own due date and pay up to midnight ET online or by phone Human...talk to a real person any time with 100% U.S.-based service Safe...Because you'll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee 0% Intro APR* on purchases and balance transfer for 14 months. Then the variable purchase APR applies, currently 10.99%-22.99%. *Click apply for Terms & Conditions
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 14 months* 10.99% - 22.99%* (Variable) $0* 0%* Excellent Credit

Citi Simplicity® Card
	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.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 18 months* 12.99% - 21.99%* (Variable) $0* 0%* Excellent Credit

Citi® Dividend Platinum Select® Visa® Card
	$100 cash back after $500 in purchases within the first 3 months of account opening 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness* Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment Enroll at no additional cost each quarter for new categories that earn additional cash back Full 1% cash back on all other purchases and eligible cash advances No annual fee*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 12 months* 12.99%-22.99%* (Variable) $0* 0%* Excellent Credit

* 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.

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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.

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