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Low Interest Credit Cards
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Low interest credit cards are perfect for those who typically don't pay off their full balance every month. The following cards offer the lowest interest rates for purchases and balance transfers. These interest rates are not introductory, but last the life of the card.
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Discover® More Card
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| 0% APR on purchases and balance transfers for up to 12 months |
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5% Cashback Bonus® in categories that change four times a year like travel, apparel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases automatically
Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners
No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for up to 12 mo. |
0% for up to 12 mo. |
10.99% |
None |
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Discover® Motiva Card
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Cash Rewards for your good credit management!*
Pay-On-Time BonusSM equal to a full month’s interest
5% to 20% Cashback Bonus® at top online retailers
Up to 1% Cashback Bonus® on all other purchases
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus® Partners
Free payment by phone
No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 3.9% for 6 mo. |
3.9% for 12 mo. |
10.99% |
None |
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Discover® Open Road Card
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0% Intro APR
Save at the pump and everywhere else.
5% Cashback Bonus® on gas and auto maintenance purchases
5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus® on all other purchases
Unlimited cash rewards
Increase, even double, the value of your rewards when you redeem for gift cards from our 80 Cashback Bonus® Partners
No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
0% for 12 mo. |
10.99% |
None |
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Miles by Discover® Card
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| 0% Intro APR |
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Double Miles on travel and restaurant purchases $3,000 each year
1 Mile for every $1 you spend on all your other purchases
Unlimited Miles that never expire as long as you use your card
Travel without restrictions
Book it through any airline, travel agent or online site
No Annual Fee
0% Fraud Liability
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
0% for 6 mo. |
10.99% |
None |
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Chase BP Visa® Card
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0% APR for up to 6 months
No Annual Fee
Double Rebates for two months
5% rebates on all participating BP location purchases
2% rebates on all eligible travel and dining purchases
1% rebates on all other eligible purchases
No limit on rebates
Redeem every $25 rebates for: BP Gift Card, cash, donation to the Conservation Fund
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
0% for 6 mo. |
12.24% |
None |
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Chase Flexible Rewards Platinum Visa® Card
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With the Flexible RewardsSM Platinum Visa® card, you can earn 1 point for every eligible dollar spent and turn everyday purchases into extraordinary rewards
Merchandise - Choose from a variety of great brand name products.
Travel - Earn airline tickets, hotel stays or car rentals.
Cash back - Redeem 3,500 points and receive a $25 check.
Gift cards - Get free stuff from your favorite stores and restaurants.
Enjoy great rewards that you can redeem with as few as 2,500 points.
Save even more with a 0% Intro APR for up to 12 months and no annual fee.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
11.24% |
None |
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Chase Free Cash RewardsSM Visa® Card
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1 point for every eligible dollar in purchases
1,000 Bonus Points after your first purchase
Intro 0% Fixed APR for up to 12 months
No Annual Fee
Get your rewards with as few as 2,500 points
Choose from either a $25 check or a $25 gift card/certificate from leading national merchants for every 2,500 points earned
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
11.24% |
None |
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Chase Platinum® Visa Card
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0% Introductory APR for up to 12 months* on balance transfers and purchases
APR as low as 11.99% thereafter
Free travel services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance
Platinum Visa® benefits
Free online account access
No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo.* |
0% for 12 mo.* |
11.99% |
None |
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IN:CHICAGO from American Express
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0% APR for 6 months
Earn one INSIDE Rewards point for virtually every eligible dollar you spend, whether you're in Chicago or not.
Points have no expiration date and you can redeem points for rewards in Chicago, New York and Los Angeles.
Earn double INSIDE Rewards points on city essentials like dining, cell phone service, gym memberships, and more
No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
0% for 6 mo. |
11.24% |
None |
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Blue Cash® from American Express®
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| Up to 5% Cash Back with Unlimited Cash Rewards |
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Earn unlimited cash back
0% Intro APR for 6 months on purchases
Low Balance Transfer rate - 4.99% fixed APR for the life of the balance
No Annual Fee
Express Approval. Get a decision in less than 60 seconds.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
4.99% with application |
12.24% |
None |
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Blue Sky® from American Express
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| Earn points on everything you buy with the Card |
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Redeem points to save on any airline, hotel, rental car or cruise - up to $100 off for every 7,500 points
Earn 1 point for every dollar you spend
Travel anytime: No blackout dates or restrictions
No annual fee and 0% intro APR for 6 months
World class cardmember benefits including Travel Accident Insurance, Buyers Assurance Plan, and Return Protection
Express Approval. Get a decision in less than 60 seconds.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
4.99% with application |
10.99% |
None |
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Clear from American Express®
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| NO fees of any kind. No annual fee, no late fees, no over-limit fees, no balance transfer fees, no cash advance fees |
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Automatic Rewards. You'll get an American Express branded shopping card worth $25 delivered straight to your door every time you spend $2,500
Flexible Payment Terms. You can pay in full, or carry a balance. The choice is yours
No annual fee and 0% intro APR for up to 12 months
World class Cardmember benefits including Purchase Protection Plan, Buyers Assurance Plan, and Return Protection
Express Approval. Get a decision in less than 60 seconds.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
5.99% with application |
11.99% |
None |
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IN:LA from American Express
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0% APR for 6 months
Earn one INSIDE Rewards point for virtually every eligible dollar you spend, whether you're in Chicago or not.
Points have no expiration date and you can redeem points for rewards in Chicago, New York and Los Angeles.
Earn double INSIDE Rewards points on city essentials like dining, cell phone service, gym memberships, and more
No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
0% for 6 mo. |
11.24% |
None |
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IN:NYC from American Express
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0% APR for 6 months
Earn one INSIDE Rewards point for virtually every eligible dollar you spend, whether you're in Chicago or not.
Points have no expiration date and you can redeem points for rewards in Chicago, New York and Los Angeles.
Earn double INSIDE Rewards points on city essentials like dining, cell phone service, gym memberships, and more
No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
0% for 6 mo. |
11.24% |
None |
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One from American Express®
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| Get $50 after your first purchase |
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No Pre-Set Spending Limit
Never pay interest on new purchases
No annual fee for the first year - a $35 savings
Express Approval. Get a decision is less than 60 seconds.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
11.99% |
None |
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Chase PerfectCard™ MasterCard®
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6% rebates on ALL eligible gas purchases at ANY gas station for the first 90 days
3% rebates on ALL eligible gas purchases at ANY gas station after the first 90 days
1% rebates on ALL other purchases made anywhere else
0% Intro APR for up to 6 months
No Annual Fee
Earn rewards wherever the road takes you with the Chase PerfectCard. Rebates are automatically credited toward future purchases made on your card.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
0% for 6 mo. |
11.24% |
None |
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Chase Platinum MasterCard®
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0% Intro APR for up to 12 months
Interest-free grace period when you pay your bill in full each month
FREE Online Account Access
FREE travel services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance
No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
11.24% |
None |
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Capital One® No Hassle Miles Rewards
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| 13.9% APR on purchases and balance transfers |
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Earn 1.25 miles for each dollar spent on purchases
No blackout dates or seat restrictions
No expiration date on miles and no limit on the miles you can earn
Earn miles 25% faster than regular miles cards.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
13.9% APR |
None |
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Capital One® Platinum Prestige
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| 7.9% APR on purchases and balance transfers |
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Your APR will not increase simply because you pay late only once or go over your credit limit
No annual fee and no balance transfer fees
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
7.9% |
None |
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Business Credit Cards With Low Interest Rates
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Capital One® Business Platinum
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0% APR on purchases until June 2009
No annual fee
Free year-end summary
Free employee cards with individual spending limits you set
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% until June 2009 |
None |
14.99% |
None |
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Discover® Business Card
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0% Intro APR* on Balance Transfers and Card Purchases for 12 months
5% Cashback Bonus® on office supplies, 2% on gas, and up to 1% on all other purchases
Fee-free Purchasechecks that earn Cashback Bonus® to pay merchants who don't accept credit cards
Free employee cards with customizable limits and monthly reporting on their spending
No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0%* for 12 mo. |
0%* for 12 mo. |
13.99%* |
None |
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Discover® Business Miles Card
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0% Intro APR* on Card Purchases and Balance Transfers
12,000 Bonus Miles*
Earn Double Miles on travel and gas*
Travel with no restrictions – book any airline, any date, any seat
No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0%* for 12 mo. |
0%* for 12 mo. |
13.99% |
None |
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SimplyCash® Business Card from American Express® |
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Earn 5% cash back on automobile gas, office supplies, and wireless services
Earn 1% cash back on virtually all other purchases
Cash back is automatically credited to the statement each month
0% introductory APR for the first 12 months
No annual fee with the flexibility to pay in full or carry a balance
Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more |
| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
7.99% for l.o.b.* |
6.5% |
None |
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Starwood Preferred Guest® Business Credit Card |
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Winner of 2006 Freddie Awards: Voted Best Travel Rewards Credit Card by frequent travelers
Earn 10,000 Starpoints® with your first purchase — that's good for up to 3 free nights!
5% Cashback Bonus® on office supplies, 2% on gas, and up to 1% on all other purchases
Redeem at over 825 participating Starwood hotels
Transfer Starpoints to over 30 frequent flyer programs
Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more.
No annual fee for the first year - a savings of $45
Voted Best Affinity Credit Card by frequent travelers in 19th Annual Freddie Awards |
| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 2.90% for 6 mo. |
2.90% for 6 mo.* |
13.99%* |
None |
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Blue Cash® for Business Credit Card |
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Up to 5% Cash Back on virtually all purchases
There's no limit on the cash back you can earn
Earn cash rewards on purchases made by Additional Cardholders
0% Intro APR for 6 months
No annual fee
Option to pay over time or pay in full
Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more |
| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 6 mo. |
9.99% for l.o.b.* |
9.49% |
None |
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 15 mo. |
4.99% with application |
8.99% |
None |
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Platinum Business Credit Card from American Express®
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| Option to enroll in the Membership Rewards® Express Program fee-free |
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There's no limit to the number of points you can earn
Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more
0% APR for the first 12 months
No annual fee and fee-free Additional Cards
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
4.99% with application |
8.99% |
None |
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Chase Platinum Visa® Business Card |
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Save with 0% Intro APR for up to 12 months
Free Online Reporting - Quarterly reports enable you to monitor your business spending.
Platinum Business Benefits - Valuable benefits such as Travel and Emergency Assistance, Purchase Security and Extended Protection, and Travel Accident Insurance.
Visa® Business Partner Advantage - Savings of up to 20% from leading retailers with special offers on computer equipment, office supplies and more.
No annual fee/td>
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
9.24% |
None |
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Platinum Business FreedomPass® Credit Card from OPEN the small business team |
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5,000 point welcome bonus with first purchase
Earn 1 point for every dollar you spend
Redeem for savings on any flight, hotel, car rental or cruise
No blackout dates and no travel restrictions
0% Introductory APR on purchases for the first 12 months
No annual fee and the option to pay over time or pay in full
Fee-free Additional Cards
Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more. |
| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 months |
7.99% for l.o.b. |
9.99% |
None |
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Advanta Platinum with Rewards BusinessCard
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0% APR on balance transfers for 15 months
7.99% Fixed APR thereafter
5% Cash Back or Travel Rewards
No Annual Fee and No Limit on the Total Reward You Can Earn
0% Fraud Liability
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
0%* for 15 mo. |
7.99%* |
None |
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Advanta Platinum BusinessCard
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0% APR on balance transfers for 12 months
0% APR on purchases for 12 months
Up to $50,000 credit line
No Annual Fee
0% Fraud Liability
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
13.74% |
None |
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Advanta Life-of-Balance Platinum Card
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2.99% Fixed APR for Life on Balances Transferred within 3 months
6% Cash Back or Travel Rewards
No Annual Fee and No Limit on the Total Rewards You Can Earn
0% Fraud Liability
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
2.99% for the life |
9.99% |
None |
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Advanta Customized BusinessCard
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0% APR on balance transfers for 15 months
7.99% Fixed APR thereafter
5% Cash Back or Travel Rewards
No Annual Fee and No Limit on the Total Rewards You Can Earn
0% Fraud Liability
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
0% for 12 mo. |
7.99% |
None |
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Chase Business Cash Rewards Visa® Card
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Earn up to 5% cash back with unlimited rewards potential.
With no merchant or category spending restrictions, you can earn points by shopping wherever you want, for whatever you want.
0% Intro APR for up to 12 months
Pay No Annual Fee
Receive quarterly management reports
Receive additional cards your employees can use
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
11.24% |
None |
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Chase Business Rebate Card |
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3% Cash Back for eligible purchases at restaurants, gas stations, office supply stores, building supply stores, hardware and home improvement stores
1% Cash Back on all other purchases
0% Intro APR for up to 12 Months
No Annual Fee
Great deals on computer equipment, car rentals, hotel rooms and more with the Visa® Business Partner Advantage
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 0% for 12 mo. |
0% for 12 mo. |
11.24% |
None |
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Low Interest Credit Cards
Low Interest Credit Cards are perfect for those looking to make a large purchase, or those who have trouble paying their credit card bills from month to month.
Low interest cards can be a great deal not only because of their long-term low interest rates, but many offer a great introductory rate ranging from 0% to 4.9% annually. The introductory rates are applied to purchases and balance transfers from 6 to 12 months. After the introductory period, the interest rate on low APR cards range from 7% to around 14.99%.
Make sure you read the terms and conditions carefully when looking at low APR credit cards. To qualify for a lowest interest credit cards, you will need a good to excellent credit rating. However, regardless of your credit rating, you should still be able to find a low rate credit card that fits your needs. You should also try calling your existing credit card company and ask for a lower rate. They will often give you a lower rate in order to keep your business with them.
There are two types of rates on low interest credit cards: “fixed” APR and “variable” APR. If your low interest card has a fixed APR your interest rate will stay the same for the life of the card, for the most part. The credit card company can still change the fixed APR rate, but they will notify you in well advance if they do. With a variable APR, the rate on your low interest credit card is linked to the national prime rate; when it changes, your rate will probably change as well. If you plan on carrying a balance on your card, a fixed rate is the way to go, so you'll know for sure what your rate is going to be while carrying your balance. If you want to transfer a balance, see our 0% credit cards on balance transfers section.
If you usually pay off your card in a timely fashion than a rewards card is probably right for you. They typically have a higher APR, but if you pay off your card on time, that won't matter. With rewards you can get cash back, airline miles, and much more. You can find business cards for every category towards the bottom of every section of the site.
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