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Credit Cards with Low Interest Rates

by Michael

best credit cards with low interest ratesAs much as we’d love to pay all of our credit card balances in full, sometimes that’s just not possible.  Credit cards offer purchase protection on large purchases and finding a credit card with a low interest rate is a necessity if you choose to finance a purchase with a credit card.  Some cards can draw consumers with high rewards or amenities but a low-interest credit card saves you the most money in the long-run.

Sadly, the days of sub 5.00% APR’s are gone but if you look hard enough, you can still find good low interest rate credit cards. We’ve compiled a list of the best low interest rate credit cards below and if you own a card you feel deserves on the list, let us know and we’ll add it.

Best Low Interest Credit Cards

Simmons First Visa PlatinumSimmons First Visa® Platinum – If you thought the PenFed Promise Visa Card was boring, then allow me to introduce you to the Simmons First Visa® Platinum. This card offers cardholders a very very low 7.25% APR. The Simmons First Visa® Platinum does not have a rewards program or introductory offer so it’s best and only feature is the low APR. Last but not least, this card carries no annual fee.

Citi® Dividend Platinum Select® Visa® Card - $100 Cash BackCiti® Dividend Platinum Select® Visa® Card. – With the Citi® Dividend Platinum Select® Visa® Card you’ll find a 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* This card is great for the first 12 months of purchases and balance transfers, and you can still have a very attractive APR after the intro period, depending on your creditworthiness. This card features an excellent rewards program: Earn 5% CASH BACK in categories every quarter. Right now, on eligible purchases within the Hilton Portfolio, car rental agencies, movie theaters and theme parks from 7/1/14 – 9/30/14. Enrollment each quarter is quick and easy. You can 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. Finally, you can earn $100 cash back after $500 in purchases within the first 3 months of account opening. There is No Annual Fee*. Click Apply Now to see pricing details.


Published or updated June 19, 2014.
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