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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 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 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 in response to this online offer
  • No Annual Fee
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 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 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 fees
  • 4.99% APR promotional balance transfer rate for 12 Months on Balance Transfers made between November 01, 2014 through December 31, 2014. After that, the APR for the unpaid balance and any 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.
  • 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 - 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% promotional rate for 12 Months on transfers made from November 01, 2014 through December 31, 2014 with no balance transfer fee. After that, the APR for the unpaid balance and 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.
  • Chip Enabled for Added Security
Apply online forDiscover it® card
Apply Now
Credit Needed:
Excellent

Discover it® card


Editor's Rating:4 Stars
  • 0% intro APR on purchases & balance transfers for 14 months--then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power+
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up for 5%*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements.*
  • 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.*
  • 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.

Other Low Ongoing Interest Cards to Consider

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