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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.

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Apply Online for HSBC Gold Mastercard® credit card
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HSBC Gold Mastercard® credit card


Editor's Rating: 5 Stars
  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.49%, 16.49% or 20.49% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
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, 2018. After that, the APR for the unpaid balance and any new balance transfers will be 11.24% 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 the first 90 days of account opening.
  • Rate and offers current as of June 1, 2018 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 NCUA
  • Variable rate as low as 11.24% APR
Apply Online for Commerce Bank™ 1.5% Cash Back1 Rewards Card
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Commerce Bank™ 1.5% Cash Back1 Rewards Card


Editor's Rating: 5 Stars
  • $150 Cash Back Bonus2 after you spend $500 on purchases in your first 3 months from account opening
  • Unlimited 1.5% Cash Back1 on every purchase - no exclusions, no sign ups, & no point caps
  • Redeem for Cash Back1 or choose from gift cards, travel, merchandise, and more. Cash Back redemption is applied as a statement credit.
  • 0% Intro APR3 for 12 monthly billing cycles for purchases and balance transfers, then 11.74%-21.74% Variable APR4. Balance Transfer fee of 5%, $10 minimum.
  • $0 Annual Fee*
Apply Online for ABOC Platinum Rewards Credit Card
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ABOC Platinum Rewards Credit Card


Editor's Rating: 4 Stars
  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 14.65 to 24.65%, based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Unlimited Points That Don't Expire
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
Apply Online for Simmons Rewards Visa Signature®
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Simmons Rewards Visa Signature®


Editor's Rating: 5 Stars
  • Created for those with EXCELLENT CREDIT and approval is based on your credit rating and application review.
  • Low 11.75% 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 Simmons Visa®
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Simmons Visa®


Editor's Rating: 5 Stars
  • Created for those with EXCELLENT CREDIT and approval is based on your credit rating and application review.
  • Low 9.75% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred
  • 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 our lowest rate card.
  • No annual fee, no foreign transaction fees, no penalty APR.
  • USAA membership is available to active and former military and their eligible family members
  • Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of Honorable. Eligible former dependents of USAA members may join USAA.
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, 2018. 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 the first 90 days of account opening.
  • Rate and offers current as of June 1, 2018 and subject to change.
  • No annual fee
  • No foreign transaction fee
  • No cash advance fees
  • Chip enabled for added security
  • Federally insured by NCUA
  • Variable Rate As Low As 8.99% 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.
  • 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
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, 2018. After that, the APR for the unpaid balance and any new balance transfers will be 11.24% 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 the first 90 days of account opening.
  • Rate and offers current as of June 1, 2018 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
  • Variable rate as low as 11.24% APR



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