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Low Ongoing Interest

Check out these great deals on credit cards with low ongoing rates.

The cards below have a low ongoing (standard) interest rate, not taking into consideration any introductory rate offers. You probably receive a large number of credit card offers advertising low introductory rate APRs.  Those are great for balance transfers for dedicated time periods.  Low ongoing rate cards can offer the peace of mind of a low rate for longer time periods.  When it comes time to choose the best credit card, deciding can be tough. Luckily, IndexCreditcards.com is here to help.  Low interest credit cards are a great choice in many ways, especially if you plan to carry over a balance from month to month or if you are trying to manage credit card debt.

Update
Apply Online for Commerce Bank 1.5% Cash Back Rewards Card
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Commerce Bank 1.5% Cash Back Rewards Card


Editor's Rating: 5 Stars
  • Unlimited 1.5% Cash Back on every purchase - no exclusions
  • Cash Back redemption is applied as a statement credit
  • $150 Cash Back Bonus2 after you spend $500 on purchases in your first 3 months from account opening
  • Redeem for Cash Back1 or choose from gift cards, travel, merchandise, and more
  • 0% Intro APR for 12 monthly billing cycles for purchases and balance transfers, then 11.24%-21.24% Variable APR. Balance Transfer fee of 5%, $10 minimum.
  • View your FICO® Score for free on your monthly statement
  • No Annual Fee
Apply Online for USAA Rate Advantage Platinum Visa®
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USAA Rate Advantage Platinum Visa®


Editor's Rating: 5 Stars
  • Enjoy the lowest APR of any major bank in the U.S.
  • Same low rate for purchases, balance transfers and cash advances.
  • No foreign transaction fee.
  • Membership eligibility and product restrictions apply and are subject to change.
Apply Online for Simmons Bank Visa® Platinum
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Simmons Bank Visa® Platinum


Editor's Rating: 5 Stars
  • Created for those with EXCELLENT CREDIT and approval is based on your credit rating and application review.
  • Low 8.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred
  • No Annual Fee
Apply Online for Simmons Bank Visa® Platinum Rewards
Apply Now

Simmons Bank Visa® Platinum Rewards


Editor's Rating: 5 Stars
  • Created for those with EXCELLENT CREDIT and approval is based on your credit rating and application review.
  • Low 10.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred
  • Travel Rewards -- cardholders who enroll in the program receive one point per net dollar spent. Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions. Other travel related options are hotels, cruises, vacation packages, car rental, and gift cards.
  • No Annual Fee
Apply Online for PenFed Power Cash Rewards Visa Signature® Card
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PenFed Power Cash Rewards Visa Signature® Card


Editor's Rating: 5 Stars
  • 0% APR promo balance transfer rate for 12 months with 3% balance transfer fee, now through September 30, 2017. After that, the APR for the unpaid balance and any new balance transfers will be 9.74% to 17.99%. APR will vary with the market based on Prime Rate. Subject to credit approval. $100 bonus after spending $1,500 in purchase transactions within 3 months of account opening.
  • Rate and offers current as of August 1, 2017 and are subject to change.
  • 1.5% unlimited cash back on all purchases
    • Flexible cash redemption options
    • No caps, limits or category restrictions on rewards
    • Earn up to 2% cash back through the PenFed Honors Advantage program
  • No annual or foreign transaction fees
  • Chip enabled for added security
  • Federally insured by the NCUA
  • Rates as low as 9.74% APR
Apply Online for PenFed Gold Visa® Card
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PenFed Gold Visa® Card


Editor's Rating: 5 Stars
  • 0% APR promo balance transfer rate for 12 months, now through September 30, 2017. After that, the APR for the unpaid balance and any new balance transfers will be 8.99% to 17.99%. APR will vary w/the market based on Prime Rate. 3% balance transfer fee per transaction. Subject to credit approval. $100 bonus after spending $1,500 in purchase transactions within 3 months of account opening.
  • Rate and offers current as of August 1, 2017 and subject to change.
  • No annual fee
  • No foreign transaction fee
  • No cash advance fees
  • Chip enabled for added security
  • Federally insured by NCUA
  • Rates As Low As 8.99% APR
Apply Online for PenFed Premium Travel Rewards American Express® Card
Apply Now

PenFed Premium Travel Rewards American Express® Card


Editor's Rating: 5 Stars
  • 0% APR promo balance transfer rate for 12 months, now through September 30, 2017. After that, the APR for the unpaid balance and any new balance transfers will be 9.74% to 17.99%. APR will vary with the market based on Prime Rate. 3% balance transfer fee per transaction. Subject to credit approval.
  • Rate and offers current as of August 1, 2017 and subject to change.
  • Earn 5 points on airfare purchases.
  • Earn 1 point on all other purchases
  • 20,000 bonus points when you spend $2,500 within the first 3 months of opening the card account
  • No annual fee and no foreign transaction fees
  • No cash advance fee
  • Rates as low as 9.74% APR
  • Chip enabled for added security
  • Federally insured by NCUA
Apply Online for PenFed Promise Visa® Card
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PenFed Promise Visa® Card


Editor's Rating: 5 Stars
  • 4.99% APR promo balance transfer rate for 12 months with no balance transfer fee now through September 30, 2017. After that, the APR for the unpaid balance and any new balance transfers will be 9.49% to 17.99%. APR will vary w/the market based on Prime Rate. Subject to credit approval. $100 bonus after spending $1,500 in purchase transactions within 3 months of account opening.
  • Rate and offers current as of August 1, 2017 and are subject to change.
  • Absolutely no fees
  • No annual fee
  • No late fee
  • No cash advance fee
  • No foreign transaction fees
  • Chip enabled for added security
  • Federally insured by NCUA
  • Rates as low as 9.49% APR
Apply Online for PenFed Platinum Rewards Visa Signature® Card
Apply Now

PenFed Platinum Rewards Visa Signature® Card


Editor's Rating: 5 Stars
  • 0% APR promo balance transfer rate for 12 months, now through September 30, 2017. After that, the APR for the unpaid balance and any new balance transfers will be 9.74% to 17.99%. APR will vary w/the market based on Prime Rate. 3% balance transfer fee per transaction. Subject to credit approval. $100 bonus after spending $1,500 in purchase transactions within 3 months of account opening.
  • Rate and offers current as of August 1, 2017 and subject to change.
  • Earn 5 points on gas purchases at the pump. Fuel purchases for airplanes and boats do not receive cash back rewards.
  • Earn 3 points on supermarket purchases
  • Earn 1 point on all other purchases
  • No annual fee
  • No foreign transaction fees
  • No cash advance fee
  • Chip enabled for added security
  • Federally insured by NCUA
  • Rates as low As 9.74% APR
Apply Online for Charity Charge World MasterCard®
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Charity Charge World MasterCard®


Editor's Rating: 4 Stars
  • Unlimited 1% cash back rewards in the form of an automatic donation to any nonprofit, K-12 school, university, or religious organization of your choice.
  • No Annual Fee.
  • Rewards are tax-deductible.
  • One time bonus donation of $10 to your chosen nonprofit after your first purchase.
  • Ability to support up to three nonprofits at once. You can change the nonprofits you support at any time through your online donation dashboard.
  • Low APR between Prime + 6.99%-16.99% dependent on creditworthiness. Balance transfer fee of either $10 or 5% of the amount of each Balance Transfer, whichever is greater.
  • Receive all the benefits of a World MasterCard such as: extended warranty, MasterCard global service, concierge services, ID theft protection, price guarantee, and many more exclusive services
  • Chip and Apple Pay enabled