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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 Mutual of Omaha Bank ATIRAcredit™ Platinum Rewards Mastercard®
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Mutual of Omaha Bank ATIRAcredit™ Platinum Rewards Mastercard®


Editor's Rating: 5 Stars
  • Earn 5,000 bonus reward points after your first purchase with promotional code "POINTS5000"
  • 2X rewards for your first 60 days, then 1 point for every $1 spent
  • Subject to Credit Approval
  • No limit to the amount of reward points you can earn
  • Earn bonus reward points on select categories every quarter
  • Choose from over 6 million different reward options, including cash back, merchandise, gift cards, travel, events, activities and more
  • Promotional balance transfer rates as low as 4.99%
  • No balance transfer fee*
  • No annual fee*
Apply Online for Barclaycard Ring™ Mastercard®
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Barclaycard Ring™ Mastercard®


Editor's Rating: 5 Stars
  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.49%
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score
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 8.00% 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
  • Membership eligibility and product restrictions apply and are subject to change.
  • Enjoy our lowest rate card.
  • Pay no annual, penalty APR or foreign transaction fees.
  • 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 7.40% and 24.40% 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 10.00% 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 mos with 3% balance transfer fee. After that, the APR for the unpaid balance and any new balance transfers will be 9.24% to 17.99%. APR will vary w/the market based on Prime Rate. Subject to credit approval.
  • Rate and offers current as of February 1, 2017 and are subject to change.
  • $100 bonus after spending $1,500 in purchase transactions within 3 months of account opening.
  • 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 9.24% APR
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. After that, the APR for the unpaid balance and any new balance transfers will be 9.24% to 17.99%. APR will vary w/the market based on Prime Rate. 3% balance transfer fee per transaction. Subject to credit approval.
  • Rate and offers current as of February 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
  • Rates as low as 9.24% 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, 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. 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 February 1, 2017 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 8.99% APR
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. After that, the APR for the unpaid balance and any new balance transfers will be 9.24% 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 February 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
  • Chip Enabled for Added Security
  • Federally insured by NCUA
  • Rates As Low As 9.24% 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 mos. 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 February 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