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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 Barclaycard Ring™ MasterCard®
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Barclaycard Ring™ MasterCard®


Editor's Rating: 5 Stars
  • A low, variable APR on balance transfers and purchases
  • No Annual Fee
  • No balance transfer fees
  • No foreign transaction fees
  • Share in the community profits through our Giveback™ program
  • Vote on product changes and share your ideas in Barclaycard Ring's community
  • Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed
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 7.50% 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
  • USAA Bank credit cards are exclusively available to military members, veterans who have honorably served, and their eligible family members.
  • Enjoy our lowest rate card.
  • Pay no annual fee, penalty APR or over-the-limit fee.
  • Get travel and retail benefits.
  • Special Benefits for Military: Reduced Rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR of between 7.15% and 24.15% will apply. This rate will vary with the market based on the prime rate. Special 4% SCRA Rate: When you have a balance on your account at the time you enter active military duty, get 4% APR on that existing balance until one year after you complete active duty.
  • Security Benefits: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide. Zero liability coverage for unauthorized transactions if your card is lost or stolen. Collision damage waiver coverage pays for physical damage and theft to most rental vehicles. Get account balances and transaction history by sending a text message. Access your account on usaa.com or from a mobile device.
Apply Online for Simmons Bank Visa® Platinum Rewards
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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 9.50% 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 Premium Travel Rewards American Express® Card
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PenFed Premium Travel Rewards American Express® Card


Editor's Rating: 5 Stars
  • 0% APR promo balance transfer rate for 12 mos with 3% balance transfer fee. After that, APR for unpaid balance and new balance transfers will be 10.24% - 17.99%. APR will vary with the market based on Prime Rate. Subject to credit approval.
  • 3% balance transfer fee per transaction.
  • Rate and offers current as of November 1, 2016 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
  • Rates as low as 10.24% 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 mos with no balance transfer fee. After that, APR for unpaid balance and balance transfers will be 10.24% - 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 November 1, 2016 and are subject to change.
  • Absolutely No Fees, No Annual Fee, No Late Fee, No Cash Advance Fee
  • Chip Enabled for Added Security
  • Federally Insured by NCUA
  • Rates As Low As 10.24% APR
  • Must agree to receive all PenFed credit card statements electronically.
Apply Online for PenFed Platinum Cash Rewards Visa® Card
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PenFed Platinum Cash Rewards Visa® Card


Editor's Rating: 5 Stars
  • 0% APR promo balance transfer rate for 12 mos with 3% balance transfer fee. After that, APR for unpaid balance and new balance transfers will be 10.24% - 17.99%. APR will vary with the market based on Prime Rate. Subject to credit approval.
  • 3% balance transfer fee per transaction.
  • $100 bonus after spending $1,500 in purchase transactions within 3 months of account opening.
  • Rate and offers current as of November 1, 2016 and subject to change.
  • Visit https://penfed.org/platinum-cash-rewards-card/ for Plus qualification requirements
  • Chip Enabled for Added Security
  • Federally insured by NCUA
Apply Online for PenFed Platinum Rewards Visa Signature® Card
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PenFed Platinum Rewards Visa Signature® Card


Editor's Rating: 5 Stars
  • 0% APR promo balance transfer rate for 12 mos with 3% balance transfer fee. After that, APR for unpaid balance and new balance transfers will be 10.24% - 17.99%. APR will vary with the market based on Prime Rate. Subject to credit approval.
  • 3% balance transfer fee per transaction.
  • $100 bonus after spending $1,500 in purchase transactions within 3 months of account opening.
  • Rate and offers current as of November 1, 2016 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, Chip Enabled for Added Security
  • Federally insured by NCUA
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 mos with 3% balance transfer fee. After that, APR for unpaid balance and new balance transfers will be 10.24% - 17.99%. APR will vary with the market based on Prime Rate. Subject to credit approval.
  • 3% balance transfer fee per transaction.
  • $100 bonus after spending $1,500 in purchase transactions within 3 months of account opening.
  • Rate and offers current as of November 1, 2016 and subject to change.
  • No annual fee, No foreign transaction fee
  • No cash advance fees
  • Chip enabled for added security
  • Federally insured by NCUA