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Low Interest Credit Cards from Our Partners

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 2015 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 forBarclaycard® Ring MasterCard®
Apply Now
Credit Needed:
Excellent

Barclaycard® Ring MasterCard®


Editor's Rating:5 Stars
  • No Balance Transfer Fees - start saving immediately!
  • A low 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® Credit 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 forSimmons Bank Visa® Platinum
Apply Now
Credit Needed:
Excellent

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 7.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred
  • No Annual Fee
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 on airfare purchases
  • Earn 1 point on all other purchases
  • No annual fee
  • No foreign transaction fee
  • Balance Transfers - 0% APR promotional balance transfer rate for 12 Months on Balance Transfers made between July 15, 2015 - August 31, 2015. After that, the APR for the unpaid balance and any new balance transfers will be 9.99% to 17.99% based on your creditworthiness and will vary with the market based on the Prime Rate. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval.
  • Chip Enabled for Added Security
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 and Cash Advances - 7.99% to 16.99% APR when you open your account, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate.
  • APR for Balance Transfers - 4.99% APR promotional balance transfer rate for 12 Months on balance transfers made between July 15, 2015 - August 31, 2015. After that, the APR for the unpaid balance and any new balance transfers will be 7.99% to 16.99% based on your creditworthiness and will vary with the market based on the Prime Rate. This transaction is subject to credit approval.
  • Chip Enabled for Added Security
Apply online forDiscover it® card-Double Cash Back your first year
Apply Now
Credit Needed:
Excellent

Discover it® card-Double Cash Back your first year


Editor's Rating:4 Stars
  • Double all the cash back you've earned at the end of your first year automatically - only for new cardmembers*
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more -up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • 0% intro APR on purchases & balance transfers for 12 months--then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Free FICO® Credit Score on statements, online & by mobile app.* And 100% U.S.-based service any time.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms & 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.

Other Low Ongoing Interest Cards to Consider

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Disclaimer: Because rates and offers from advertisers shown on this website change frequently, please visit referenced sites for current information. This website may be compensated by companies mentioned through advertising, affiliate programs or otherwise.