Low interest credit cards

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Premier Rewards Gold Card from American Express
Premier Rewards Gold Card from American Express
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on American Express®'s secure website

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on American Express®'s secure website

APR
N/A
Intro APR: None
Fee
Introductory annual fee of $0 for the first year, then $195.
Rewards

2x Points on Dining

2x Points on Gas

2x Points on Groceries

3x Points on Travel

1x Points on Everyday

Intro Bonus Worth: $250

Balance Transfer

None

Credit Range

Good - Exceptional

Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months
3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply
No Foreign Transaction Fees
$100 Airline Fee Credit. Up to $100 a year in baggage fees and more at one airline
Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc. Terms apply
$0 Intro Annual Fee for the 1st year, then $195
Terms Apply
The Platinum Card® from American Express
The Platinum Card® from American Express
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on American Express®'s secure website

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on American Express®'s secure website

APR
N/A
Intro APR: None
Fee
$550
Rewards

5x Points on Travel

Intro Bonus Worth: $600

Balance Transfer

None

Credit Range

Good - Exceptional

Earn 60,000 Membership Rewards® points after you use your new card to make $5,000 in purchases in your first 3 months
New! Up to $200 Uber Savings Annually
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel
5X Membership Rewards® points on eligible hotels booked on amextravel.com
As a Platinum Card Member, you can enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More, terms Apply.
$200 Airline Fee Credit, up to $200 a year in baggage fees and more at one airline.
Terms Apply
See additional details for The Platinum Card® from American Express
Platinum Prestige MasterCard Secured Credit Card
Platinum Prestige MasterCard Secured Credit Card
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on First Progress's secure website

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on First Progress's secure website

APR
9.99%
Intro APR: None
Fee
$49
Rewards
N/A

Balance Transfer

None

Credit Range

Poor - Exceptional

No Credit History or Minimum Credit Score Required for Approval
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Receive Your Card More Quickly with New Expedited Processing Option
Get Approved Fast - Just Click Below to Start the Process!
Discover it® chrome
Discover it® chrome
Apply

on Discover's secure website

Apply

on Discover's secure website

APR
11.74% - 23.74% Variable
Intro APR: 0% for 14 months on purchases
Fee
$0
Rewards

1% Cash Back

Balance Transfer

0% for 14 months

Credit Range

Good - Exceptional

Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter-no sign-ups needed. Plus 1% cash back on all your other purchases.
Redeem your cash back for any amount, any time. Cash rewards never expire.
100% U.S. based customer service
Get your FICO® Credit Score for free on monthly statements, on mobile and online.
No annual fee
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
See additional details for Discover it® chrome
Discover it® - 18 Month Balance Transfer Offer
Discover it® - 18 Month Balance Transfer Offer
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on Discover's secure website

Apply

on Discover's secure website

APR
11.74% - 23.74% Variable
Intro APR: 0% for 6 months on purchases and 0% for 18 months on balance transfers
Fee
$0
Rewards

1% Cash Back

Balance Transfer

0% for 18 months

Credit Range

Good - Exceptional

You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus 1% cash back on all other purchases.
Redeem your cash back for any amount, any time. Cash rewards never expire.
100% U.S. based customer service
Get your FICO® Credit Score for free on monthly statements, on mobile and online.
No annual fee
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
NHL® Discover it® Card
NHL® Discover it® Card
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on Discover's secure website

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on Discover's secure website

APR
11.74% - 23.74% Variable
Intro APR: 0% for 14 months on purchases
Fee
$0
Rewards

1% Cash Back

Balance Transfer

0% for 14 months

Credit Range

Good - Exceptional

Choose your favorite team & show your pride - all 30 teams available. Save 10% at Shop.NHL.Com and NHL.TV™.
You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus 1% cash back on all other purchases.
Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
No annual fee
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information. ©NHL
See additional details for NHL® Discover it® Card
Discover it® - Cashback Match™
Discover it® - Cashback Match™
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on Discover's secure website

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on Discover's secure website

APR
11.74% - 23.74% Variable
Intro APR: 0% for 14 months on purchases
Fee
$0
Rewards

1% Cash Back

Balance Transfer

0% for 14 months

Credit Range

Good - Exceptional

You could turn $200 into $400 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to he quarterly maximum each time you activate. Plus 1% cash back on all other purchases.
Redeem your cash back for any amount, any time. Cash rewards never expire.
100% U.S. based customer service
Get your FICO® Credit Score for free on monthly statements, on mobile and online.
No annual fee
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
See additional details for Discover it® - Cashback Match™
Discover it® Miles
Discover it® Miles
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on Discover's secure website

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on Discover's secure website

APR
11.74% - 23.74% Variable
Intro APR: 0% for 14 months on purchases
Fee
$0
Rewards
N/A

Balance Transfer

10.99% for 14 months

Credit Range

Good - Exceptional

Bonus Miles - For example, if you earn 20,000 Miles, you get 40,000 Miles. We'll match all the Miles you've earned at the end of your first year.
Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
No Blackout Dates - fly any airline, stay at any hotel.
Redeem your rewards in any amount for cash or a travel credit.
Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
Get your FICO® Credit Score for free on monthly statements, on mobile and online.
No Annual Fee
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
See additional details for Discover it® Miles
JetBlue Card
JetBlue Card
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on Barclaycard's secure website

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on Barclaycard's secure website

APR
12.74%, 20.74% or 25.74% Variable
Intro APR: 0% APR for 12 months for each Balance Transfer made within 45 days of account opening
Fee
$0
Rewards
N/A

Balance Transfer

12.74%, 20.74% or 25.74% Variable

Credit Range

Exceptional

Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days
Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking
Points awarded in your TrueBlue account don't expire
Earn and share points together with Family Pooling
50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
No foreign transaction fees
Chip technology & $0 Fraud Liability protection
See additional details for JetBlue Card
JetBlue Plus Card
JetBlue Plus Card
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on Barclaycard's secure website

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on Barclaycard's secure website

APR
12.74%, 20.74% or 25.74% variable
Intro APR: 0% APR for 12 months for each Balance Transfer made within 45 days of account opening
Fee
$99
Rewards
N/A

Balance Transfer

12.74%, 20.74% or 25.74% variable

Credit Range

Exceptional

Earn 30,000 bonus points after you spend $1,000 on purchases within the first 90 days
Earn 6 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking
Points awarded in your TrueBlue account don't expire
Earn 5,000 bonus points every year after your account anniversary
50% savings on eligible inflight purchases like cocktails and food & the primary cardmember's first checked bag is free on JetBlue-operated flights
Enjoy TrueBlue Mosaic benefits for one year after you spend $50,000 or more on purchases each calendar year with your card
Enjoy a $100 statement credit after purchasing a JetBlue Vacations package of $100 or more with your JetBlue Plus Card
See additional details for JetBlue Plus Card
The Amex EveryDay® Credit Card from American Express
The Amex EveryDay® Credit Card from American Express
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on American Express®'s secure website

Apply

on American Express®'s secure website

APR
13.74%-23.74% Variable
Intro APR: 0% on Purchases for 12 months
Fee
$0
Rewards

2x Points on Groceries

1x Points on Everyday

Intro Bonus Worth: $100

Balance Transfer

0% on Balance Transfers for 12 months

Credit Range

Good - Exceptional

Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months
Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
You can use Membership Rewards® points for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking
No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.74% to 23.74%, based on your creditworthiness and other factors.
Terms Apply
Discover it® for Students
Discover it® for Students
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on Discover's secure website

Apply

on Discover's secure website

APR
13.74% - 22.74% Variable
Intro APR: 0% for 6 months on purchases
Fee
$0
Rewards

1% Cash Back

Balance Transfer

10.99% for 6 months

Credit Range

Fair

Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus 1% cash back on all other purchases.
Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
No annual fee. No late fee on first late payment. No APR change for paying late.
Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
Freeze It® on/off switch for your account that prevents new purchases. Cash advances & balance transfers in seconds.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.74% - 22.74%.
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
See additional details for Discover it® for Students
Barclaycard Ring™ Mastercard®
Barclaycard Ring™ Mastercard®
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on Barclaycard's secure website

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on Barclaycard's secure website

APR
13.74% Variable
Intro APR: 0% for 15 months on Purchases and 0% for 15 months for each Balance Transfer made within 45 days of account opening
Fee
$0
Rewards
N/A

Balance Transfer

13.74% Variable

Credit Range

Exceptional

0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.74%
No balance transfer fees
No foreign transaction fees
Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
Free online access to FICO® Credit Score
See additional details for Barclaycard Ring™ Mastercard®
Discover it® chrome for Students
Discover it® chrome for Students
Apply

on Discover's secure website

Apply

on Discover's secure website

APR
13.74% - 22.74% Variable
Intro APR: 0% for 6 months on purchases
Fee
$0
Rewards

1% Cash Back

Balance Transfer

10.99% for 6 months

Credit Range

Fair

Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter-no sign-ups needed. 1% cash back on all your other purchases.
Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
No annual fee. No late fee on first late payment. No APR change for paying late.
Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
Freeze It® on/off switch for your account that prevents new purchases. Cash advances & balance transfers in seconds.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.74% - 22.74%.
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
See additional details for Discover it® chrome for Students
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
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on American Express®'s secure website

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on American Express®'s secure website

APR
13.74%-24.74% Variable
Intro APR: 0% on Purchases for 12 months
Fee
$0
Rewards

2% Cash Back

Intro Bonus Worth: $100

Balance Transfer

0% on Balance Transfers for 12 months

Credit Range

Good - Exceptional

$100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
No annual fee.
3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.74% to 24.74%.
Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
Terms Apply
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
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on American Express®'s secure website

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on American Express®'s secure website

APR
13.74%-24.74% Variable
Intro APR: 0% on Purchases for 12 months
Fee
$95
Rewards

3% Cash Back

Intro Bonus Worth: $150

Balance Transfer

0% on Balance Transfers for 12 months

Credit Range

Good - Exceptional

$150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months
6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) – that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.74% to 24.74%.
Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
$95 annual fee.
Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
Terms Apply
Platinum Select MasterCard Secured Credit Card
Platinum Select MasterCard Secured Credit Card
Apply

on First Progress's secure website

Apply

on First Progress's secure website

APR
13.99%
Intro APR: None
Fee
$39
Rewards
N/A

Balance Transfer

None

Credit Range

Poor - Exceptional

No Credit History or Minimum Credit Score Required for Approval
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Receive Your Card More Quickly with New Expedited Processing Option
Get Approved Fast - Just Click Below to Start the Process!
Citi® Double Cash Card
Citi® Double Cash Card
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on Citibank's secure website

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on Citibank's secure website

APR
14.24% - 24.24% Variable
Intro APR: 0% Intro APR for 18 months on balance transfers
Fee
$0
Rewards

1% Cash Back

Balance Transfer

0% Intro APR for 18 months

Credit Range

Good - Exceptional

0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 14.24%-24.24% based on your creditworthiness
Balance transfers do not earn cash back
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. Balance transfers must be completed within 4 months of account opening.
Earn cash back TWICE with 1% unlimited on purchases + 1% as you pay for those purchases
No restricting categories to keep track of or enroll in
There are also no caps on the total amount of cash back you earn
You can redeem cash back for checks, statement credits or gift cards
Credit card late fee pass - you get a pass on your first late fee
Click 'Apply Now' to see additional Citi® Double Cash pricing and information
See additional details for Citi® Double Cash Card
Citi Simplicity® Card
Citi Simplicity® Card
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on Citibank's secure website

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on Citibank's secure website

APR
14.24% - 24.24% Variable
Intro APR: 0% Intro APR for 21 months on purchases and balance transfers
Fee
$0
Rewards
N/A

Balance Transfer

0% Intro APR for 21 months

Credit Range

Good - Exceptional

0% Intro APR for 21 months on balance transfers and purchases; after that, the variable APR will be 14.24%-24.24% based on your creditworthiness
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
No late fees, no penalty rate and no annual fee EVER
Enjoy the convenience of setting up your own bill payment schedule on any available due date
Save time, just say "representative" when you call to enjoy fast, personal help
Citi® Identify Theft Solutions is there to assist should you become the victim of identity theft
Click 'Apply Now' to see additional Citi Simplicity® pricing and information
See additional details for Citi Simplicity® Card

Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation, however the compensation does not impact how or where the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card offer.

For complete information, see the terms and conditions on the credit card issuer's website. Once you click apply for this card, you will be directed to the issuer's website where you may review the terms and conditions of the card before applying. We show a summary to help you choose a product, not the full legal terms – and before applying you should understand the full terms of the product as stated by the issuer itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

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Low interest credit card basics

What APR is and how it works

APR, or the annual percentage rate, is the interest rate you pay when you borrow against your credit card’s credit limit. If your interest rate is 18%, then dividing by 365 days would yield a daily rate of 0.0493%. The balance you have on your credit card would be charged interest daily until the balance is paid off. If you had a $500 balance and paid $100 when the bill was due 30 days later, then you could pay $7.40 in interest. But, if you paid this same balance 12 days in, then you could pay $6.51 in interest for that month. Since interest is charged at a daily rate, the sooner you pay, the less interest is accumulated. Most issuers will not charge any interest if the balance is completely paid off at the end of the billing cycle.

Fixed and Variable APRs

Credit cards can use both fixed and variable APRs. When an APR is fixed, then that interest percentage does not change, unless an event occurs such as an expiration of a promotional APR, the triggering of a penalty APR, or if the issuer notifies in writing of changes to the services agreement, including APR increases. Variable APRs change more frequently, since they are based on the Prime Rate. This rate is based on a survey of banks, who, in turn, make changes based on movements made by the Federal Reserve.

Types of low interest credit cards

Low interest credit card offers come in two different varieties. The first is for new purchases and typically include a low or 0% APR as a promotion, which lasts for a specific amount of time. These types of promotional credit cards can be a good option when purchasing an expensive item, such as a major appliance, where you could spread the payments over multiple months. The other involves balance transfer promotions and can include a low or 0% APR when you transfer a balance from an old credit card to the new card. These can be helpful when responsibly used to pay down existing credit card debt.

What a "Schumer box" is

Sometimes called a “summary box”, it will display an outline of the costs associated with a credit card. This visually distinct box is the same format that is accompanied with all credit card offers, and was meant to make comparisons easier. The information found in this box includes:

  • Promotional APRs: For both purchases and balance transfers, the APRs and promotional periods are listed. Some issuers may not provide promotions for each and will often provide promotional APRs for purchases only or balance transfers only. When the promotional period begins could be different as well, such as the period starting from the first purchase date or balance transfer date.
  • Standard APRs for purchases, balance transfers, and cash advances: This section will provide the APR range that is available based on creditworthiness, and will also list any variable or fixed APRs. APRs may differ significantly based on the type of transaction: new purchases, balance transfers, and cash advances.
  • Penalty APRs: This section will list the penalty APR associated with late or missed payments, or even payments below the monthly minimum payment. It can also describe when these penalty APRs are applied.
  • How to avoid paying interest on purchases: The applicable conditions to avoid paying interest will be listed here. Typically, most issuers will not charge interest as long as the balance is paid before the end of the billing cycle.
  • Minimum interest charge: Oftentimes, this states the minimum amount that the issuer will charge for interest. For example, if this minimum charge was $0.50 and you carried over a $1.00 balance, then you would not be charged any interest, since interest for that $1.00 could be 1.5 cents for that billing month with an average APR.
  • Set up and maintenance fees: This section will list any additional service fees, such as annual fees, account set up fees, fees for requesting additional cards, fees for requesting a credit limit increase, fees for re-opening an account, paper statement fees, alternative payment fees, and a participation fees, which could be added when requesting to add an authorized user.
  • Transaction fees: This area will list the fees for balance transfers, cash advances, and foreign transactions. These fees can be a dollar amount or a percentage based on the amount of the transaction.
  • Penalty fees: These include fees for late payments, going over the credit limit, and returned payments.

1 Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More.