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Low Interest Credit Cards - Ranked by Low Ongoing APR

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

TOP PICKS
Citi Platinum Select MasterCard
Citi® Platinum Select® MasterCard®


  • 0% intro APR on purchases for 12 months
  • Interest Rate: 11.99%-19.99% variable rate*
  • Balance Transfer: 0% intro APR for 18 months

Apply Now
 
Chase Freedom Card
Chase Freedom® Visa - $50 Bonus Cash Back


  • Earn $50 Bonus Cash Back after first purchase
  • 5% cash back offers in popular categories
  • Full 1% cash bank on everything else

Apply Now
 
Discover® More(SM) Card (formerly Discover Platinum)
Discover® More(SM) Card**


  • 0% for full 6 months on purchases
  • 0% for full 15 months on balance transfers
  • 4% balance transfer fee

Apply Now

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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.

** See the online Discover credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on Discover's website.

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