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Low
Interest Credit Cards - Ranked by Low Ongoing APR
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No annual
fee credit cards with low ongoing / standard interest rates,
not taking into consideration any introductory rate offers.
Ranked by lowest published rate; some cards offer multiple rate
tiers and you are NOT guaranteed to get the lowest rate offered.
Introductory offers and balance transfer rates factored in where
rates are equivalent. (NOTE: Credit card rates change fairly
regularly -- check the terms and conditions of each card to
be sure the interest rates shown here are accurate.)
See
also: 0%
Introductory Offer Credit Cards, 0%
Balance Transfer Credit Cards
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Simmons
First National Bank Visa Platinum -
(Note:
Excellent Credit Required - Applicants that do not have
excellent credit will not be approved.)
Ongoing
Interest Rate: 7.25% fixed rate*. Introductory
APR: Same as ongoing. Balance Transfer Rate:
Same as ongoing. Annual Fee: None.
(click
for all terms and conditions.)
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Simmons
First National Bank Visa Platinum Rewards -
(Note:
Excellent Credit Required - Applicants that do not have
excellent credit will not be approved.)
Ongoing
Interest Rate: 8.95% fixed rate*. Introductory
APR: Same as ongoing. Balance Transfer Rate:
Same as ongoing. Annual Fee: None. Also: Travel
rewards program offers one point per dollar; redeem points
for free travel across all U.S. airlines.
(click
for all terms and conditions.)
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Citi
Platinum Select MasterCard
- Ongoing Interest Rate: As low as 11.99%, or
15.99%, or 19.99% variable rate*. Introductory APR:
0% for up to 12 months. Balance Transfer Rate: 0%
for up to 12 months, then same as ongoing. Annual Fee:
None. (click
for all terms and conditions.)
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Franklin
Templeton Bank & Trust Platinum MasterCard -
Ongoing Interest Rate: 11.24% variable rate*.
Introductory APR: Same as ongoing. Balance Transfer
Rate: Same as ongoing. Annual Fee: None.
(click
for all terms and conditions.)
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Citi
Forward Card -
Ongoing Interest Rate: Starts at 14.24% variable
rate, but you can reduce the interest rate by .25 points
every 3 months when you use the card, pay on time, and stay
under the credit limit. Total reduction can be a maximum
2%, leading to an interest rate as low as 12.24% over time.
Introductory APR: 0% for 6 months. Balance Transfer
Rate: 0% for 6 months, then same as standard rate. Annual
Fee: None. Also: Earn 5 reward points for every
$1 you spend on books, movies, music and at restaurants;
earn 1 reward point for every $1 you spend on other purchases.
(click
for all terms and conditions.)
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True
Earnings® Card from Costco and American Express®
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Ongoing Interest Rate: 13.24% variable rate*.
Introductory APR: 0% for 3 months. Balance Transfer
Rate: 1.99% for 6 months. Annual Fee: None. Also:
Earn cash back on gas and a $25 statement credit with your
first purchase made with the Card --- Earn 3% for annual
gasoline purchases of up to $3,000 (1% thereafter), 3% for
restaurants, 2% for travel, 1% everywhere else.
(click
for all terms and conditions.)
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Discover®
More(SM) Card (formerly Discover Platinum) -
Ongoing Interest Rate: As low as 10.99%, as high
as 18.99% variable rate*. Introductory APR: 0%
for 6 months. Balance Transfer Rate: 0% for 6 months,
then same as ongoing. Annual Fee: None. Also:
Offers 5% Cashback Bonus in categories that change like
travel, home improvement stores, department stores, gas,
groceries, restaurants and many more; earn up to a 1% Cashback
Bonus on all other purchases.
(click
for all terms and conditions.)
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Discover®
Open Road(SM) Card (formerly Discover Gas Card) -
Ongoing Interest Rate: As low as 10.99%, as high
as 18.99% variable rate*. Introductory APR: 0%
for 6 months. Balance Transfer Rate: 0% for 6 months,
then same as ongoing. Annual Fee: None. Also:
Earn
a full 5% Cashback Bonus on gas credit card purchases and
auto maintenance purchases, and an up to 1% Cashback Bonus
on all other purchases.
(click
for all terms and conditions.)
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Miles
by Discover® Card
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Ongoing Interest Rate: As low as 10.99%, as high
as 18.99% variable rate*. Introductory APR: 0%
for 6 months. Balance Transfer Rate: 0% for 6 months,
then same as ongoing. Annual Fee: None. Also:
Offers airline mile rewards program.
(click
for all terms and conditions.)
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US
Bank Visa Platinum Credit Card -
Ongoing Interest Rate: As low as 7.24%, as high as 20.24%
variable rate*. Introductory APR: Same as standard rate.
Balance Transfer Rate: 0% for 12 months. Annual Fee: None.
(click
for all terms and conditions.)
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Sierra
Trading Post Rewards Visa -
Ongoing Interest Rate: As low as 9.24%, as high as 18.24%
variable rate*. Introductory APR: Same as standard rate.
Balance Transfer Rate: Same as standard rate. Annual Fee:
None.
(click
for all terms and conditions.)
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Wells
Fargo Platinum Visa Credit Card
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Ongoing
Interest Rate: As low as 7.65%, as high as 21.15%
variable rate*. Introductory APR: As low as 0%,
as high as 5.9% for up to 9 billing cycles. Balance Transfer
Rate: As
low as 0%, as high as 5.9% for up to 9 billing cycles, then
same as ongoing.
Annual Fee: None.
(click
for all terms and conditions.)
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Coldwater
Creek Visa Credit Card -
Ongoing Interest Rate: As low as 12.24%, or 15.24%,
or 18.24% variable rate*. Introductory APR: Same
as standard rate. Balance Transfer Rate: Same as
standard rate. Annual Fee: None.
(click
for all terms and conditions.)
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Nordstrom
Platinum Visa -
Ongoing
Interest Rate: As low as 7.90%, or 10.90%, or 14.90%,
or 18.90%, or 22.90% variable rate*. Introductory
APR: Same as ongoing. Balance Transfer Rate:
No balance transfers. Annual Fee: None.
(click
for all terms and conditions.)
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*
variable rate = credit card interest rate changes in line
with federal interest rates or other rate index; fixed
rate = credit card rate stays the same regardless of changes
in federal rates, but still may be changed by credit card
issuer in the future.
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