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

• 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.)

• 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.)

• 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.)

• 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.)

• 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.)

• True Earnings® Card from Costco and American Express® - 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.)

• 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.)

• 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.)

• Miles by Discover® 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: Offers airline mile rewards program. (click for all terms and conditions.)

• 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.)

• 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.)

• Wells Fargo Platinum Visa Credit Card - 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.)

• 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.)

• 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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