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Low Interest Credit Cards

Editors Rating: 4.5/5

Great low interest credit cards whose low rates don't just expire after an introductory period  - although some do offer 0% APR promotions that make them especially sweet

These low interest credit cards for 2014 have a low ongoing (standard) interest rates, not taking into consideration any introductory rate offers.

You probably receive a large number of credit card offers advertising low ongoing interest or 0% introductory APR. So when it comes time to choose the best credit card, deciding can be tough. 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.

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Apply online forDiscover it®
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Credit Needed:
Excellent

Discover it®


Editor's Rating:4 Stars
  • 0% intro APR on balance transfers for 18 months--then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%
  • Rated 4.8 out of 5 Stars by over 4,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • 100% U.S.- based customer service--anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Apply online forIberiabank Visa® Platinum
Apply Now
Credit Needed:
Excellent

Iberiabank Visa® Platinum


Editor's Rating:4 Stars
  • No annual membership fee
  • Low variable Purchase APR of 9.25%, 12.25%, or 15.25% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
  • 0% Introductory APR on purchases for twelve months from your account open date. After twelve months, your APR will be the same as your assigned purchase APR, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles. After that, your APR will be the same as your assigned purchase APR, based on your creditworthiness. Applies to balance transfers processed within three months of your account open date.
  • Turn your points into hotel, gift, or experience rewards
  • Product Enhancements include: Auto Rental Collision Damage Waiver, Roadside Dispatch, Travel Emergency Services, and Travel Accident Insurance.
  • Free Online access to credit card account information
Apply online forSimmons First Visa® Platinum
Apply Now
Credit Needed:
Excellent

Simmons First 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 7.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • No Annual Fee
Apply online forIberiabank Visa® Classic
Apply Now
Credit Needed:
Excellent

Iberiabank Visa® Classic


Editor's Rating:5 Stars
  • No annual membership fee
  • Low variable rate of 7.25%, 10.25%, or 13.25% based on the creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Apply online forIberiabank Visa® Gold
Apply Now
Credit Needed:
Excellent

Iberiabank Visa® Gold


Editor's Rating:4 Stars
  • Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $0.50).
  • Low Introductory APR on Balance Transfers of 1.99% for the first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Apply online forIberiabank Visa® Select
Apply Now
Credit Needed:
Excellent

Iberiabank Visa® Select


Editor's Rating:5 Stars
  • Introductory APR on Purchases of 0.00% or 7.50% for 12 months from date opened. (If there is an interest charge, the charge will be no less than $0.50). This rate will not change during the introductory period. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Low Introductory APR on Balance Transfers of 1.99% or 7.50% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Low Ongoing Variable Rate APR, after introductory period, APR of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, or Prime + 8.25%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $0.50).
  • Product Enhancements include: Auto Rental Collision Damage Waiver, Roadside Dispatch and Travel Emergency Services.
  • Online access to credit card account information
  • Low Annual Fee of $35.00.
Apply online forBarclaycard® Ring MasterCard®
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Credit Needed:
Excellent

Barclaycard® Ring MasterCard®


Editor's Rating:5 Stars
  • No Balance Transfer Fees - start saving immediately!
  • A low 8% variable APR on balance transfers and purchases
  • No Annual Fees
  • Choose your card benefits and features
  • Get rewarded through the new Giveback program, where Barclaycard Ring members get money back for good performance
  • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
  • Learn more about personal finance from Barclaycard and other members
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
Apply online forDiscover it® chrome BT
Apply Now
Credit Needed:
Excellent

Discover it® chrome BT


Editor's Rating:4 Stars
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter-no sign-ups needed*. 1% cash back on all your other purchases.
  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee*.
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100 % U.S. based customer service-anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply".
Apply online forPenFed Promise Visa® Card
Apply Now
Credit Needed:
Excellent

PenFed Promise Visa® Card


Editor's Rating:5 Stars
  • No annual fee
  • No foreign transaction fee
  • No balance transfer fee
  • No late fee
  • No penalty APR
  • APR for Purchases - 7.49% introductory APR for 36 months. After that, your APR will vary with the market based on the Prime Rate, and is currently 9.99%.
  • APR for Cash Advances - 9.99%. Your APR will vary with the market based on the Prime Rate.
  • APR for Balance Transfers - 4.99% APR promotional balance transfer rate for 48 Months on transfers made from July 01, 2014 through September 30, 2014 with no balance transfer fee. After that, the APR for any new balance transfers will vary with the market based on the Prime Rate, and is currently 9.99%. This transaction is subject to credit approval.
Apply online forPenFed Premium Travel Rewards American Express® Card
Apply Now
Credit Needed:
Excellent

PenFed Premium Travel Rewards American Express® Card


Editor's Rating:5 Stars
  • 20,000 bonus points when you spend $2,500 within the first 3 months of opening the Card account
  • Earn 5 points per dollar spent on airfare purchases
  • Earn 1 point per dollar spent on all other purchases
  • No annual fee
  • No foreign transaction fees
  • 4.99% APR promotional balance transfer rate for 48 Months on Balance Transfers made between July 01, 2014 through September 30, 2014. After that, the APR for new balance transfers will vary with the market based on the Prime Rate, and is currently 9.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval
Apply online forDiscover it® chrome
Apply Now
Credit Needed:
Excellent

Discover it® chrome


Editor's Rating:4 Stars
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter-no sign-ups needed*. 1% cash back on all your other purchases.
  • 0% intro APR on purchases and balance transfers for 14 months-then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee*.
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S. based customer service-anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply".
IndexCreditCards.com is not a lender service and does not issue credit cards, charge cards or any other credit products. IndexCreditCards.com contains links to third party websites which have paid for a link to their website. Offers are subject to change without notice and the terms displayed may not be available to all consumers. Please verify all terms and conditions and restrictions of any credit card, charge card or other credit type product prior to applying.

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