To save you the trouble of having to sift through dozens of credit card offers, we put together a list of what we think are the best
low interest cards offers.
Not exact matches
The bank
offered a loan at a
low rate to pay off her high -
interest credit
card debt, and she ended up taking out a second mortgage for $ 80,000.
Applying for a new credit
card or loan initiates a hard pull on your credit report that can
lower your credit score, which can then impact your eligibility for a mortgage, or the final
interest rate you're
offered.
Low APR credit cards charge low interest rates on balances carried over month to month but don't usually offer rewar
Low APR credit
cards charge
low interest rates on balances carried over month to month but don't usually offer rewar
low interest rates on balances carried over month to month but don't usually
offer rewards.
There is one credit
card at least that
offers no balance transfer fees and has a
low purchase
interest rate.
If you have less - than - stellar credit, a personal loan might be a better option, especially if you can find a fixed - rate
offer with a
lower interest rate than what your credit
card charges you.
The Chase Freedom isn't like other
low -
interest credit
cards — it also
offers cardholders a sign up bonus of $ 150 after you spend $ 500 on purchases in your first 3 months from account opening, and an additional $ 25 bonus after you add your first authorized user and make your first purchase within the same 3 - month period.
This no - frills
card does not
offer any rewards, but it can be a worthwhile tradeoff for people who want a
low -
interest card in case they have to carry a balance from time to time.
Search for exactly the credit
card that you're
interested in, or compare new credit
card offers by browsing reward types, no annual fee credit
cards, or
low interest rate
cards.
With a rewards program, extremely
low APR, and no annual fee, the State Department
card is a tough competitor to beat, but the Capital One ® Secured Mastercard ® does
offer an
interesting alternative.
Debt consolidation: American Express could
offer you a
lower interest rate compared to your current credit
card's.
Today, poor credit
offers range from
cards with cash back to those with
low interest rates.
Sure a nice introductory APR
offer is nice if you already have a balance you're trying to pay down or know you'll be making a big purchase in the near future, but an ongoing
low -
interest credit
card is the one you'll want to reach for when an unexpected major purchase comes your way.
But please be aware that after the initial
low interest rate
offer ends on your new
card, it can climb back to a higher percentage — and in fact may be even higher than the
interest rates on the other credit
cards you have.
Often, credit
card companies will
offer a
lower interest rate, sometimes even 0 % for balance transfers, for a specific period of time — say, six months.
It is also better to pick no - frills credit
cards for their
lower interest rates than ones that
offer perks.
Low interest and no fee credit
cards generally don't
offer the kinds of generous rewards that other
cards offer.
If we intend to keep a balance on our
card, we might prefer instead to find one that
offers a
low interest rate.
If you're on the
lower end of the spectrum, this
card offers one of the best
interest fees around, even beating out the Discover it ® — Cashback Match ™
card!
Other
low interest credit
cards also
offer 0 % APR on purchases, but no such luck with the Barclays Arrival Plus ® World Elite MasterCard ®.
Many credit
card providers are looking for good to excellent credit scores before approving credit
cards with
low interest rates and great incentive
offers.
If you are approved for a
low intro APR
offer and qualify for elite pricing you can have the best of both worlds — the comfort of a 0 % intro APR credit
card and the ability to make purchases later on without having to worry about
interest charges getting the better of you.
If you have a high credit score, you are more likely to be accepted for credit
cards and loans, and you will be
offered the
lowest interest rates.
HELOC also appeal to many people because it
offers bigger loan amounts and
lower interest rates than credit
cards and other consumer loans, but before you can qualify for this type of loan, you need to have at least 20 % equity on your home.
: Part II Zero or
Low -
Interest CardsCredit cards that offer 2 %, 1 %, or even 0 % interest rates usually do so for a certain amount of time known as an introductory
Interest CardsCredit
cards that
offer 2 %, 1 %, or even 0 %
interest rates usually do so for a certain amount of time known as an introductory
interest rates usually do so for a certain amount of time known as an introductory period.
You may have an
offer to transfer your credit
card balance to a
low -
interest credit
card, but a
low interest rate is often just a temporary
offer to attract new customers.
Someone with a good credit report will be
offered the
lowest interest rates on loans and credit
cards, while people with bad credit reports will face high rates, if they're able to borrow at all.
It makes life easier for you because you'll have no trouble qualifying for the best
offers, including cash back, bonus points, and
low or no -
interest cards.
Many
cards offer lower interest than some of the rewards
cards which typically have much higher
interest rates.
The Business Edge Platinum
card from US Bank is an excellent choice for companies that need to carry a balance month to month, or those that want to consolidate their previous credit
card debt into a
lower interest offer.
If you are are someone who revolves a balance credit
card debt, focus on
cards that
offer low interest rates (especially on balance transfers)-- and put a stop to new charges.
Many of the larger national banks — including Bank of America, Citibank and Capital One — all
offer low -
interest credit
cards for consumers with high enough credit scores.
With a rewards program, extremely
low APR, and no annual fee, the State Department
card is a tough competitor to beat, but the Capital One ® Secured Mastercard ® does
offer an
interesting alternative.
Credit
cards for those with good credit reward those habits with
cards that may
offer benefits such as a
low introductory APR, a solid rewards program, competitive
interest rates, moderate fees or a combination of benefits.
This
card is a secured
card that
offers a cheaper annual fee and an
interest that is
lower compared to other secured
cards.
Before you shop, take a look at your credit
cards and see which one
offers the
lowest interest rate - or consider getting a new
low interest credit
card.
The concept of a credit
card balance transfer seems simple enough, but there are a number of steps involved that are critical to successfully moving money owed from a high
interest credit
card to one that
offers a
lower annual percentage rate.
The most popular credit
cards on the
offer include, entertainment credit
cards, fuel credit
cards, co-branded credit
cards, cash - back credit
cards, student credit
cards, women credit
cards, travel credit
cards, lifetime free credit
cards, premium credit
cards, Business credit
card, Global credit
card and
low interest credit
cards.
It may be worth keeping this
card because Citi may send you an email or snail mail down the road
offering to do a balance transfer for a
low interest rate for a limited time.
The best way to avoid this is to keep on the lookout for credit
card offers so you can transfer your balance and pay off your
card at a
lower interest rate.
For this article, we will look at five different types of
offers: sign up bonuses,
interest free periods, travel perks,
low interest cards, and insurance perks.
The Navy Federal nRewards Secured Credit
Card is one of the few credit
cards for bad credit to hit a trifecta — there's no annual fee, it
offers a rewards program and it has
low interest rates.
The Savings Secured Visa Platinum
Card does what very few other credit
cards for bad credit do —
offer a rewards program, provide
low interest, and not charge you an annual fee.
Among
low interest cards, the Simplicity has one of the longest 0 %
offers at 18 months from account opening for both purchases and balance transfers.
Some
cards offer savings through
lower interest rates.
Not only does Discover
offer great credit
cards, Discover's online savings account is quite competitive because of
low fees and high -
interest rates.
Can you still be eligible for a
card that
offers perks like
low interest and rewards?
Secured credit
cards typically have higher
interest rates since these borrowers are viewed as high risk, but there are still some solid
offers with a decently
low credit
card APR..
Ask them to
lower your
interest rate, match the
offer you have seen for a
low interest credit
card, or give you more time to make your payments.
A credit
card balance transfer is to move all or part of the balance of one credit
card to another credit
card that has a
lower interest rate or to a
card with a
low or a zero percent introductory APR
offer.