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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace. | Advertising Disclosure LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). | American Express Disclosure Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more. LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace. LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more. On This PageLake Michigan Credit Union Prime PlatinumIf you’re looking for a credit card with a low interest rate, the Lake Michigan Credit Union Prime Platinum is our top choice. It charges a $0 annual fee and offers the chance to qualify for one of the lowest interest rates we’ve found at a 9.25% – 17.25% (variable). Finally, while some credit unions have restrictive membership requirements, Lake Michigan Credit Union makes it easy for anyone to join. A low interest credit card can help you save money if you sometimes carry a balance from month to month. While the interest rate (also called the APR) on some credit cards can be over 20% or even close to 30%, we’ve rounded up several credit cards with interest rate ranges that start around or even below 10%. We’ve also rounded up a few credit cards with 0% intro APR periods, during which you’re charged no interest at all. However, note that once your intro period ends, interest will accrue at the regular APR.
 Lake Michigan Credit Union Prime PlatinumLake Michigan Credit Union Prime PlatinumIntroductory APR N/A Annual Fee $0 Regular Purchase APR 9.25% – 17.25% (variable)
The Lake Michigan Credit Union Prime Platinum boasts one of the lowest APRs available (9.25% – 17.25% (variable)) and has a $0 annual fee. Other than an exceptionally low APR, the Lake Michigan Credit Union Prime Platinum is a pretty plain vanilla credit card. It has no rewards, no sign-up bonus and not much in the way of benefits. Also be aware there’s a 1% of each transaction in U.S. Dollars foreign transaction fee, so if you’re traveling abroad, leave this card at home. If you’re willing to go through the steps to join a credit union, and you tend to carry a balance from time to time, the Lake Michigan Credit Union Prime Platinum could be ideal for you. With an APR of 9.25% – 17.25% (variable), it has the lowest regular interest rate of any card we’ve found that isn’t restricted to applicants with a military connection. Just know there’s no intro APR offer on either purchases or balance transfers, and you’ll need a excellent credit score to have a shot at getting the lowest interest rate. The card is offered by Lake Michigan Credit Union, and while some credit unions have strict membership requirements, you can join this one for a $5 donation to the ALS Foundation through the credit union’s website. Other ways to qualify include if you’re a resident of Michigan’s lower peninsula or Florida, or if you have immediate family who are already members.
The Lake Michigan Credit Union Prime Platinum boasts one of the lowest APRs available (9.25% – 17.25% (variable)) and has a $0 annual fee. Other than an exceptionally low APR, the Lake Michigan Credit Union Prime Platinum is a pretty plain vanilla credit card. It has no rewards, no sign-up bonus and not much in the way of benefits. Also be aware there’s a 1% of each transaction in U.S. Dollars foreign transaction fee, so if you’re traveling abroad, leave this card at home. If you’re willing to go through the steps to join a credit union, and you tend to carry a balance from time to time, the Lake Michigan Credit Union Prime Platinum could be ideal for you. With an APR of 9.25% – 17.25% (variable), it has the lowest regular interest rate of any card we’ve found that isn’t restricted to applicants with a military connection. Just know there’s no intro APR offer on either purchases or balance transfers, and you’ll need a excellent credit score to have a shot at getting the lowest interest rate. The card is offered by Lake Michigan Credit Union, and while some credit unions have strict membership requirements, you can join this one for a $5 donation to the ALS Foundation through the credit union’s website. Other ways to qualify include if you’re a resident of Michigan’s lower peninsula or Florida, or if you have immediate family who are already members.
The information related to the Lake Michigan Credit Union Prime Platinum has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply. DCU Visa® Platinum Credit CardDCU Visa® Platinum Credit CardIntroductory APR N/A Annual Fee $0 Regular Purchase APR 11.50% to 18.00% variable variable
While the interest rate isn’t as low as the Lake Michigan Credit Union Prime Platinum, the DCU Visa® Platinum Credit Card still offers a very low APR of 11.50% to 18.00% variable variable. Plus, it gives cardholders peace of mind with its lack of fees (but note that one fee you can still incur is a late payment fee, which is up to $35 — and a penalty APR may be applied to your account if you miss a payment as well). If you’re willing to take the steps to join a credit union and you’re looking for a low interest rate, this is an excellent card to consider. Some credit unions are difficult to join due to membership requirements, but Digital Federal Credit Union (DCU) makes it easy. If you don’t qualify based on where you live, through a relationship to a current DCU member, or via one of the numerous participating employers, you can join one of DCU’s partner organizations. For example, one partner is Reach Out for Schools, a nonprofit organization that raises money for classrooms and programs that benefit students. Membership starts at $10. There is no sign-up bonus or rewards with this card, but know that the DCU Visa® Platinum Credit Card doesn’t burden you with fees. In addition to not charging fees for balance transfers or cash advances, you won’t be charged with over-limit or returned payment fees.
While the interest rate isn’t as low as the Lake Michigan Credit Union Prime Platinum, the DCU Visa® Platinum Credit Card still offers a very low APR of 11.50% to 18.00% variable variable. Plus, it gives cardholders peace of mind with its lack of fees (but note that one fee you can still incur is a late payment fee, which is up to $35 — and a penalty APR may be applied to your account if you miss a payment as well). If you’re willing to take the steps to join a credit union and you’re looking for a low interest rate, this is an excellent card to consider. Some credit unions are difficult to join due to membership requirements, but Digital Federal Credit Union (DCU) makes it easy. If you don’t qualify based on where you live, through a relationship to a current DCU member, or via one of the numerous participating employers, you can join one of DCU’s partner organizations. For example, one partner is Reach Out for Schools, a nonprofit organization that raises money for classrooms and programs that benefit students. Membership starts at $10. There is no sign-up bonus or rewards with this card, but know that the DCU Visa® Platinum Credit Card doesn’t burden you with fees. In addition to not charging fees for balance transfers or cash advances, you won’t be charged with over-limit or returned payment fees.
The information related to the DCU Visa® Platinum Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply. USAA® Rate Advantage Visa Platinum® CardUSAA® Rate Advantage Visa Platinum® CardIntroductory APR N/A Annual Fee $0 Regular Purchase APR 9.90% to 26.90% variable
If you typically carry a balance on your credit card or if you’re planning to finance a big-ticket item, a low interest rate credit card like the $0-annual-fee USAA® Rate Advantage Visa Platinum® Card should be on your radar. The USAA® Rate Advantage Visa Platinum® Card offers a very low starting APR, but beware that the range is quite wide: 9.90% to 26.90% variable. Plus, this card has a $0 foreign transaction fee, so it’s a fine choice to take if traveling abroad. The USAA® Rate Advantage Visa Platinum® Card is only available to USAA members. To be eligible, you must be serving in the U.S. Air Force, Army, Coast Guard, Marines, Navy National Guard or Reserve. You can also qualify if you are a veteran, cadet or midshipman — or an eligible family member. If you qualify for USAA membership (active military, former military, a cadet or midshipman or an eligible family member), you are eligible to apply for the USAA® Rate Advantage Visa Platinum® Card — which offers a chance for a very low ongoing interest rate. It also comes with more robust benefits than you’ll typically find on a low interest credit card. But be aware this card lacks a rewards program, so you won’t be able to earn points or cash back on your purchases. If you are interested in earning rewards, there are other USAA cards to choose from, such as the USAA® Cashback Rewards Plus American Express® Card. The USAA® Rate Advantage Visa Platinum® Card does not offer a 0% intro APR either.
If you typically carry a balance on your credit card or if you’re planning to finance a big-ticket item, a low interest rate credit card like the $0-annual-fee USAA® Rate Advantage Visa Platinum® Card should be on your radar. The USAA® Rate Advantage Visa Platinum® Card offers a very low starting APR, but beware that the range is quite wide: 9.90% to 26.90% variable. Plus, this card has a $0 foreign transaction fee, so it’s a fine choice to take if traveling abroad. The USAA® Rate Advantage Visa Platinum® Card is only available to USAA members. To be eligible, you must be serving in the U.S. Air Force, Army, Coast Guard, Marines, Navy National Guard or Reserve. You can also qualify if you are a veteran, cadet or midshipman — or an eligible family member. If you qualify for USAA membership (active military, former military, a cadet or midshipman or an eligible family member), you are eligible to apply for the USAA® Rate Advantage Visa Platinum® Card — which offers a chance for a very low ongoing interest rate. It also comes with more robust benefits than you’ll typically find on a low interest credit card. But be aware this card lacks a rewards program, so you won’t be able to earn points or cash back on your purchases. If you are interested in earning rewards, there are other USAA cards to choose from, such as the USAA® Cashback Rewards Plus American Express® Card. The USAA® Rate Advantage Visa Platinum® Card does not offer a 0% intro APR either.
The information related to the USAA® Rate Advantage Visa Platinum® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply. PNC Visa® Business Credit CardPNC Visa® Business Credit CardIntroductory APR N/A Annual Fee $0 Regular Purchase APR 12.99% to 22.99% variable
The PNC Visa® Business Credit Card comes with an intro APR on balance transfers and a reasonable ongoing APR for purchases. On balance transfers, enjoy an intro "Introductory 0% APR for the first 13 billing cycles following account opening when the balance is transferred within the first 90 days following account opening". After, a 12.99% to 22.99% variable APR applies. The balance transfer fee is either $5 or 3% of the amount of each balance transfer, whichever is greater. Purchases don’t come with an intro APR; the regular purchase APR is 12.99% to 22.99% variable. The card’s annual fee is $0 . The PNC Visa® Business Credit Card is best for small business owners looking to transfer debt from another card and enjoy a window of more than a year with no interest, or who just need a business card for purchases that comes with a reasonable ongoing APR. Do note that the card is fairly no-frills, and doesn’t offer rewards or a sign-up bonus.
The PNC Visa® Business Credit Card comes with an intro APR on balance transfers and a reasonable ongoing APR for purchases. On balance transfers, enjoy an intro "Introductory 0% APR for the first 13 billing cycles following account opening when the balance is transferred within the first 90 days following account opening". After, a 12.99% to 22.99% variable APR applies. The balance transfer fee is either $5 or 3% of the amount of each balance transfer, whichever is greater. Purchases don’t come with an intro APR; the regular purchase APR is 12.99% to 22.99% variable. The card’s annual fee is $0 . The PNC Visa® Business Credit Card is best for small business owners looking to transfer debt from another card and enjoy a window of more than a year with no interest, or who just need a business card for purchases that comes with a reasonable ongoing APR. Do note that the card is fairly no-frills, and doesn’t offer rewards or a sign-up bonus.
The information related to the PNC Visa® Business Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
DCU Visa® Platinum Secured Credit CardDCU Visa® Platinum Secured Credit CardIntroductory APR N/A Annual Fee $0 Regular Purchase APR 14.5% variable
If you need to rebuild your credit score, a secured credit card is a good tool to help you do that. Secured cards require that you submit a security deposit to the issuer – for example, if you want a $200 credit limit, you’ll have to submit a $200 deposit. Many secured cards come with high APRs, but the DCU Visa® Platinum Secured Credit Card is one with a low interest rate, at just 14.5% variable. In a world where many secured cards have interest rates of well above 20%, the DCU Visa® Platinum Secured Credit Card has the potential to save you a significant chunk of money if you have to carry a small balance once in a while. Plus, the DCU Visa® Platinum Secured Credit Card has an annual fee of $0. Note the minimum deposit is $500, which is higher than the $200 minimum many secured cards require. The DCU Visa® Platinum Secured Credit Card is aimed at consumers who cannot qualify for a regular, unsecured card because they either lack a credit history or need to rebuild their credit. There is no sign-up bonus or rewards program, but compared to other secured cards on the market, the DCU Visa® Platinum Secured Credit Card has a very reasonable APR. In exchange for that lower APR, however, applicants will be required to submit a higher minimum security deposit of $500. The DCU Visa® Platinum Secured Credit Card also doesn’t assess fees for cash advances, foreign transactions or balance transfers. Note that just like the DCU Visa® Platinum Credit Card, you’ll have to join a credit union — but DCU’s membership requirements make it easy for virtually anyone to join.
If you need to rebuild your credit score, a secured credit card is a good tool to help you do that. Secured cards require that you submit a security deposit to the issuer – for example, if you want a $200 credit limit, you’ll have to submit a $200 deposit. Many secured cards come with high APRs, but the DCU Visa® Platinum Secured Credit Card is one with a low interest rate, at just 14.5% variable. In a world where many secured cards have interest rates of well above 20%, the DCU Visa® Platinum Secured Credit Card has the potential to save you a significant chunk of money if you have to carry a small balance once in a while. Plus, the DCU Visa® Platinum Secured Credit Card has an annual fee of $0. Note the minimum deposit is $500, which is higher than the $200 minimum many secured cards require. The DCU Visa® Platinum Secured Credit Card is aimed at consumers who cannot qualify for a regular, unsecured card because they either lack a credit history or need to rebuild their credit. There is no sign-up bonus or rewards program, but compared to other secured cards on the market, the DCU Visa® Platinum Secured Credit Card has a very reasonable APR. In exchange for that lower APR, however, applicants will be required to submit a higher minimum security deposit of $500. The DCU Visa® Platinum Secured Credit Card also doesn’t assess fees for cash advances, foreign transactions or balance transfers. Note that just like the DCU Visa® Platinum Credit Card, you’ll have to join a credit union — but DCU’s membership requirements make it easy for virtually anyone to join.
The information related to the DCU Visa® Platinum Secured Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply. Simmons Visa®Review Coming Soon Simmons Visa®Introductory APR N/A Annual Fee $0 Regular Purchase APR 12.50% to 20.50% variable
The Simmons Visa® offers an interest-free period on balance transfers and a reasonable ongoing APR, too. Cardholders get a 0% intro APR for 12 months on balance transfers completed within 60 days of account opening, after which a 12.50% to 20.50% variable APR applies. The balance transfer fee is either $10 or 3% of the amount of each balance transfer, whichever is greater . There’s no intro APR on purchases, so you’ll start immediately at the regular purchase APR of 12.50% to 20.50% variable. That’s relatively low, especially if you qualify for an interest rate at the lower end of the range. The annual fee is $0, but beware the foreign transaction fee of 2% of each transaction in US dollars. This card doesn’t earn rewards or offer a sign-up bonus. If you want a low interest credit card and you don’t want to go through the steps to join one of the credit unions mentioned here, you may want to check out the Simmons Visa®, issued by an Arkansas-based regional bank. Simmons Bank started in Pine Bluff, Arkansas in 1903 and now operates in eight states. The Simmons Visa® comes with a year to pay off transferred debt without accruing interest, and the regular APR is comparatively low as well.
The Simmons Visa® offers an interest-free period on balance transfers and a reasonable ongoing APR, too. Cardholders get a 0% intro APR for 12 months on balance transfers completed within 60 days of account opening, after which a 12.50% to 20.50% variable APR applies. The balance transfer fee is either $10 or 3% of the amount of each balance transfer, whichever is greater . There’s no intro APR on purchases, so you’ll start immediately at the regular purchase APR of 12.50% to 20.50% variable. That’s relatively low, especially if you qualify for an interest rate at the lower end of the range. The annual fee is $0, but beware the foreign transaction fee of 2% of each transaction in US dollars. This card doesn’t earn rewards or offer a sign-up bonus.
If you want a low interest credit card and you don’t want to go through the steps to join one of the credit unions mentioned here, you may want to check out the Simmons Visa®, issued by an Arkansas-based regional bank. Simmons Bank started in Pine Bluff, Arkansas in 1903 and now operates in eight states. The Simmons Visa® comes with a year to pay off transferred debt without accruing interest, and the regular APR is comparatively low as well.
The information related to the Simmons Visa® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply. Navy Federal Platinum Credit CardNavy Federal Platinum Credit CardIntroductory APR N/A Annual Fee $0 Regular Purchase APR 8.99% to 18.00% (variable) Credit Score Needed 670 850 Excellent/Good/Fair
The Navy Federal Platinum Credit Card stands out for its $0 balance transfer fee, and comes with a solid "0.99% introductory APR for 12 months* *Applies to balance transfers requested within 60 days of account opening". After the introductory period ends, a 8.99% and 18.00% (variable) APR will apply. There’s no intro APR on purchases, so you start out immediately at the regular purchase APR of 8.99% to 18.00% (variable). This card doesn’t earn rewards or offer a sign-up bonus, but the annual fee is $0 and the foreign transaction fee is $0, too. Note that to apply, you must be a Navy Federal Credit Union (NFCU) member. Membership is open to active duty military members, retired military and veterans, eligible family members, and civilian personnel employed by the United States Department of Defense. If you need a credit card with no balance transfer fee and you’re eligible to join NFCU (military and veterans, family members, and DOD civilians), the Navy Federal Platinum Credit Card is an excellent tool to help you pay off transferred debt. However, be aware that this card’s 0% intro APR period is shorter than you may find with other balance transfer cards (but those cards will typically charge a 3% to 5% balance transfer fee). Also, at 8.99% to 18.00% (variable), you’ve got a shot at a regular APR lower than any other card on this list — even the Lake Michigan Credit Union Prime Platinum. If you qualify for NFCU membership and you’re looking for a credit card with a great balance transfer offer and a low ongoing APR, the Navy Federal Platinum Credit Card should be at the top of your list.
The Navy Federal Platinum Credit Card stands out for its $0 balance transfer fee, and comes with a solid "0.99% introductory APR for 12 months* *Applies to balance transfers requested within 60 days of account opening". After the introductory period ends, a 8.99% and 18.00% (variable) APR will apply. There’s no intro APR on purchases, so you start out immediately at the regular purchase APR of 8.99% to 18.00% (variable). This card doesn’t earn rewards or offer a sign-up bonus, but the annual fee is $0 and the foreign transaction fee is $0, too. Note that to apply, you must be a Navy Federal Credit Union (NFCU) member. Membership is open to active duty military members, retired military and veterans, eligible family members, and civilian personnel employed by the United States Department of Defense. If you need a credit card with no balance transfer fee and you’re eligible to join NFCU (military and veterans, family members, and DOD civilians), the Navy Federal Platinum Credit Card is an excellent tool to help you pay off transferred debt. However, be aware that this card’s 0% intro APR period is shorter than you may find with other balance transfer cards (but those cards will typically charge a 3% to 5% balance transfer fee). Also, at 8.99% to 18.00% (variable), you’ve got a shot at a regular APR lower than any other card on this list — even the Lake Michigan Credit Union Prime Platinum. If you qualify for NFCU membership and you’re looking for a credit card with a great balance transfer offer and a low ongoing APR, the Navy Federal Platinum Credit Card should be at the top of your list.
The information related to the Navy Federal Platinum Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply. Citi Simplicity® CardCiti Simplicity® CardIntroductory APR 0% for 12 months on Purchases Annual Fee $0 Regular Purchase APR 17.74% - 28.49% (Variable)
If you need a long period of time to pay off transferred credit card debt without incurring interest charges, the $0-annual-fee Citi Simplicity® Card could be a great fit. Cardholders get a decent window of intro APR on purchases and an exceptionally long intro APR on balance transfers with the Citi Simplicity® Card . Just be aware that there is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. then a balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
The Citi Simplicity® Card , issued by our partner Citi, is a great option if you have a large amount of high interest debt that you need to pay down, or if you have a tendency to miss your payment due date. Along with offering one of the longest introductory periods currently available for balance transfers, the card provides helpful tools, such as automatic account alerts and the ability to choose your payment due date. And, if you do happen to pay your bill late, you will not be hit with late fees or penalty APRs. However, the intro period on purchases is just OK. You won’t earn a sign-up bonus or rewards on the purchases you make with the Citi Simplicity® Card . That said, it’s best to prioritize paying off your full balance before the intro purchase or balance transfer offer ends over earning rewards on new purchases, and this card gives you almost two years to do so. Finally, if traveling abroad, be aware there is a foreign transaction fee of 3% of each purchase transaction after its conversion into U.S. dollars.
If you need a long period of time to pay off transferred credit card debt without incurring interest charges, the $0-annual-fee Citi Simplicity® Card could be a great fit. Cardholders get a decent window of intro APR on purchases and an exceptionally long intro APR on balance transfers with the Citi Simplicity® Card . Just be aware that there is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. then a balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
The Citi Simplicity® Card , issued by our partner Citi, is a great option if you have a large amount of high interest debt that you need to pay down, or if you have a tendency to miss your payment due date. Along with offering one of the longest introductory periods currently available for balance transfers, the card provides helpful tools, such as automatic account alerts and the ability to choose your payment due date. And, if you do happen to pay your bill late, you will not be hit with late fees or penalty APRs. However, the intro period on purchases is just OK. You won’t earn a sign-up bonus or rewards on the purchases you make with the Citi Simplicity® Card . That said, it’s best to prioritize paying off your full balance before the intro purchase or balance transfer offer ends over earning rewards on new purchases, and this card gives you almost two years to do so. Finally, if traveling abroad, be aware there is a foreign transaction fee of 3% of each purchase transaction after its conversion into U.S. dollars.
Wells Fargo Reflect® CardWells Fargo Reflect® CardIntroductory APR 0% intro APR up to 21 months from account opening Annual Fee $0 Regular Purchase APR 16.74% - 28.74% variable APR
If you plan on making a large purchase soon, like a new appliance or laptop, the Wells Fargo Reflect® Card offers the opportunity to pay off new purchases for almost two years without incurring interest charges. With an intro APR offer of 0% intro APR up to 21 months from account opening on purchases, the Wells Fargo Reflect® Card can help you spread payments out during that window of time. After, a 16.74% - 28.74% variable APR applies. The way the intro APR works on this card is that cardholders get an initial intro period of 18 months, and by making on-time minimum payments, have a chance to earn an extension of up to three months. You don’t have to worry about an annual fee because it’s $0. The card also offers 0% intro APR up to 21 months from account opening on qualifying balance transfers, after which a 16.74% - 28.74% variable APR applies. The balance transfer fee is 3% for 120 days from account opening, then up to 5%; min: $5. The Wells Fargo Reflect® Card is best for consumers who need a long time to pay off new purchases or transfer balances and aren’t looking for rewards or a sign-up bonus. It’s a no-frills card, but what it does, it does exceedingly well — by offering almost two years of no interest so cardholders have time to pay off debt. Just know if you’ve opened any other Wells Fargo credit card in the past 15 months, you might not qualify for this card’s intro APR. And if you’ve opened a Wells Fargo card in the past six months, you might be denied for this card entirely.
If you plan on making a large purchase soon, like a new appliance or laptop, the Wells Fargo Reflect® Card offers the opportunity to pay off new purchases for almost two years without incurring interest charges. With an intro APR offer of 0% intro APR up to 21 months from account opening on purchases, the Wells Fargo Reflect® Card can help you spread payments out during that window of time. After, a 16.74% - 28.74% variable APR applies. The way the intro APR works on this card is that cardholders get an initial intro period of 18 months, and by making on-time minimum payments, have a chance to earn an extension of up to three months. You don’t have to worry about an annual fee because it’s $0. The card also offers 0% intro APR up to 21 months from account opening on qualifying balance transfers, after which a 16.74% - 28.74% variable APR applies. The balance transfer fee is 3% for 120 days from account opening, then up to 5%; min: $5. The Wells Fargo Reflect® Card is best for consumers who need a long time to pay off new purchases or transfer balances and aren’t looking for rewards or a sign-up bonus. It’s a no-frills card, but what it does, it does exceedingly well — by offering almost two years of no interest so cardholders have time to pay off debt. Just know if you’ve opened any other Wells Fargo credit card in the past 15 months, you might not qualify for this card’s intro APR. And if you’ve opened a Wells Fargo card in the past six months, you might be denied for this card entirely.
BankAmericard® credit cardBankAmericard® credit cardIntroductory APR 0% Intro APR for 21 billing cycles for purchases Annual Fee $0 Regular Purchase APR 14.99% - 24.99% Variable APR
The BankAmericard® credit card comes with lengthy interest-free periods on both purchases and balance transfers, and cardholders have a chance to earn a sign-up bonus as well. You’ll get a 0% Intro APR for 21 billing cycles for purchases, after which a 14.99% - 24.99% Variable APR applies. There’s also a 0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days. After, a 14.99% - 24.99% Variable APR on balance transfers applies. The balance transfer fee is reasonable at either $10 or 3% of the amount of each transaction, whichever is greater. You’ll pay a $0 annual fee to carry the card, but beware the foreign transaction fee of 3%. It’s possible to find longer 0% intro APR periods than this card has, but those offers typically don’t come with a sign-up bonus. And it’s possible to find higher sign-up bonuses than this card offers, but cards with higher bonuses typically have shorter intro APRs. The BankAmericard® credit card offers the best of both worlds, with lengthy intro APRs on both purchases and balance transfers. If you’re planning a big purchase, and would like to offset the cost a little bit while also avoiding interest charges, this is an excellent card for you. Plus, if your regular APR is set toward the lower end of the 14.99% - 24.99% Variable APR range, this card offers a reasonable ongoing APR as well.
The BankAmericard® credit card comes with lengthy interest-free periods on both purchases and balance transfers, and cardholders have a chance to earn a sign-up bonus as well. You’ll get a 0% Intro APR for 21 billing cycles for purchases, after which a 14.99% - 24.99% Variable APR applies. There’s also a 0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days. After, a 14.99% - 24.99% Variable APR on balance transfers applies. The balance transfer fee is reasonable at either $10 or 3% of the amount of each transaction, whichever is greater. You’ll pay a $0 annual fee to carry the card, but beware the foreign transaction fee of 3%. It’s possible to find longer 0% intro APR periods than this card has, but those offers typically don’t come with a sign-up bonus. And it’s possible to find higher sign-up bonuses than this card offers, but cards with higher bonuses typically have shorter intro APRs. The BankAmericard® credit card offers the best of both worlds, with lengthy intro APRs on both purchases and balance transfers. If you’re planning a big purchase, and would like to offset the cost a little bit while also avoiding interest charges, this is an excellent card for you. Plus, if your regular APR is set toward the lower end of the 14.99% - 24.99% Variable APR range, this card offers a reasonable ongoing APR as well.
Side-by-side comparison of the best low interest credit cardsFor some financial products, such as car loans and mortgages, the interest rate and the APR can differ. However, for credit cards, they’re the same thing. There’s no federal law limiting the APR a credit card company can charge, according to the Consumer Financial Protection Bureau (CFPB). However, companies are subject to state laws of the state where they’re headquartered. If a credit card is issued by a credit union, it’s subject to a federal law that currently caps interest rates at 18%. In short, yes. Most credit cards available these days are variable rate cards, which means their interest rates are tied to an index (typically the prime rate), and will increase or decrease as that index rate fluctuates. It’s commonly thought that the Federal Reserve sets the prime rate, but that’s not quite correct; rather, the prime rate is based on the federal funds target rate, which the Fed does determine. Fixed-rate cards are less common than they used to be before the Credit CARD Act of 2009. Now, most credit cards are variable-rate cards, which means their APRs fluctuate based on an index such as the prime rate. However, you can sometimes still find fixed-rate credit cards these days, generally through credit unions. Your APR should be listed on your credit card statement. If you can’t locate it, call the number on the back of your credit card to find out. It’s important to know you should have a very good or exceptional credit score to have a good chance of getting the best rate a credit card has to offer. Generally, that’s considered a FICO Score between 740 and 850. If you have a lower score, even if you get approved for one of the cards on this list, the APR on your account might be set higher. Probably not. Most credit cards with good 0% intro APR offers require a good credit score or better. A good credit score is one that’s anywhere from 670 to 739 — above that, and your score is considered very good or exceptional. Glen Luke Flanagan
Glen Luke Flanagan is a senior credit card writer for LendingTree. He joined the team in June 2019, and covers topics including new credit cards, how your credit score works and what you need to know about credit card interest. Before joining LendingTree, Glen worked in journalism and government communications. As a journalist at newspapers in North Carolina and South Carolina, his reporting won awards from the North Carolina Press Association and the South Carolina Press Association, respectively. Glen earned his bachelor’s degree in media studies with a concentration in journalism from Radford University, graduating summa cum laude in May 2014. He also earned a master’s degree in English with a concentration in technical and professional communication, as well as a graduate certificate in marketing, from East Carolina University in May 2022. Read More The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details. Recommended ArticlesWhich credit card has the lowest interest rate in US?The Titanium Rewards Visa® Signature Card from Andrews Federal Credit Union tops our list thanks to the low interest rates, strong rewards program and no foreign transaction fees — all at no annual fee. This card offers a low variable APR of 10.99% to 17.99%.
What credit card interest rate is the best to have?The best credit card rates are 0% APRs that last for 15 months or longer. Credit cards offering 0% rates on new purchases can be interest-free for about 12 months on average, and balance transfer cards average around 13 months with 0% rates. The best regular interest rates on credit cards are below 14%.
Which credit card is best for 0 interest?Best Low Interest Credit Cards of 2022. HDFC Infinia Credit Card. ... . Citibank Rewards Credit Card. ... . First Citizen Citi Credit Card. ... . Citi Premier Miles Credit Card. ... . SBI Prime Advantage Credit Card. ... . SBI Advantage Plus Credit Card. ... . HDFC Regalia Credit Card. ... . HSBC Cashback Credit Card.. Is there such thing as a 0 interest credit card?A 0% APR credit card offers no interest for a period of time, typically six to 21 months. During the introductory no interest period, you won't incur interest on new purchases, balance transfers or both (it all depends on the card).
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What is the best credit card with the lowest interest rate
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