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Low Interest Credit Cards

The following credit cards have a zero to low introductory APR (annual percentage rate of interest charged) or a low fixed rate APR. In some cases substantial savings on interest charges can be made if you are making larger purchases and are able to pay them off within the introductory period that applies.

, we found 82 Cards - Sort Card Offers or Compare

Sort by:  Title | Intro APR | APR | Annual Fee | Credit needed | Popularity
 

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[61] Citi® mtvU Platinum Select® Visa® Card for College Student

Citi mtvU Platinum Select Visa Card for College Student
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- Earn 5 points per $1 spent on entertainment like music, movies, video game rentals and sporting events
- Earn 2 points per $1 spent at restaurants, fast food places and coffee shops
- 1 point per $1 spent on everything else
- 25 bonus points each billing period you keep your account in good standing by paying on time
- Exclusive MTV rewards, such as MTV merchandise, tickets to MTV events like the VMAs, and MTV show tapings
- Also, redeem for travel, merchandise, gift cards and more
- No limit on the points you can earn and points don't expire
- 0% intro APR—pay no interest on purchases until June 2012
- No annual fee
 
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?)
0%* until June 2012* 13.99% - 21.99% (Variable) * $0.00* 20 days* Bad Credit OK*

[62] Citi® Platinum Select® MasterCard®

Citi Platinum Select MasterCard
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- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
- Citi® Identity Theft Solutions
- Secure, free online account management
- No annual fee*
 
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?)
0%* 18 months* 11.99% - 21.99% (Variable) * $0.00* 20 days* Good*

[63] Citi® Dividend Platinum Select® Card for College Students

Citi Dividend Platinum Select Card for College Students
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- No Cosigner Required
- Earn 5% Cash Back on purchases at supermarkets, drugstores, gas stations, convenience stores & utilities (including cable) for 6 months; 1% thereafter*
- Earn 2% cash back in popular rotating categories like restaurants, apparel, hotel and more. Enrollment required*
- Earn a full 1% cash back on all other purchases*
Citi Dividend Platinum Select Card for College Students
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?)
0%* 7 months* 13.99% - 21.99% (Variable) * $0.00* 20 days* Poor*

[64] Citi® Platinum Select® Visa® Credit Card

Citi Platinum Select Visa Credit Card
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- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
- Citi Identity Theft Solutions
- Secure, free online account management
- No annual fee*
Citi Platinum Select Visa Credit Card
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?)
0%* 18 months* 11.99% - 21.99% (Variable) * $0.00* 20 days* Good*

[65] Chase Slate℠ Vertical Card with Blueprint - $75 Bonus & 15 Month Intro

Chase Slate Vertical Card with Blueprint - $75 Bonus & 15 Month Intro
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- Earn $75 Statement Credit after you make $300 in purchases in your first 3 months
- 0% Intro APR for up to 15 months – a variable APR as low as 11.99% - 21.99% after your 0% ends
- Slate with Blueprint® helps you pay down your balances faster and save on interest
- Transfer your higher rate balances
- No Annual Fee
 
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?)
0%* for up to 15 months* 11.99% - 21.99% (Variable) * $0.00* 20 days (Min.)* Good*

[66] Citi Simplicity® Credit Card

Citi Simplicity Credit Card
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- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
- Peace of mind through direct access to a service representative, no late fees and no penalty rate
- No annual fee*
Citi Simplicity Credit Card
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?)
0%* 18 months* 12.99% - 21.99% (Variable) * $0.00* 22 Days (Min.)* Good*

[67] Slate℠ from Chase MasterCard

Slate from Chase MasterCard
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- 0% for up to 15 months – after that a variable APR as low as 11.99% - 21.99% after your 0% ends
- Slate with Blueprint® helps you pay down your balances faster and save on interest
- Transfer your higher rate balances
- No Annual Fee
 
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?)
0%* up to 15 months* 11.99% - 21.99% (Variable) * $0.00* 20 days (Min.)* Good*

[68] Chase Slate® - No Balance Transfer Fee

Chase Slate - No Balance Transfer Fee
Terms |  More Info
- No Balance Transfer Fee!*
- 0% Intro APR for 15 months on purchases and balance transfers
- Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee!
- After the first 30 days, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5
- Avoid interest on everyday purchases
- Pay down your balance faster
- Zero liability on unauthorized purchases*
- No Annual Fee*
View all new offers
Chase Slate - No Balance Transfer Fee
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?)
0%* 15 months* 11.99% - 21.99% (Variable) * $0.00* 21 days* Good*

[69] Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back

Citi Dividend Platinum Select Visa Card - $100 Cash Back
Terms |  More Info
- 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
- $100 cash back after $500 in purchases within the first 3 months of account opening
- Earn 5% cash back at The Home Depot and on Home Furnishing and Home & Garden purchases from 4/1/2012 to 6/30/12 when you enroll. Enroll each quarter for new categories that earn additional cash back. To learn more, visit dividend. quarterlyoffer. citi.com
- 1% cash back on all other purchases.
- 5% additional cash back on average at over 400 stores through the Citi Bonus Cash Center.
- No annual fee.
Citi Dividend Platinum Select Visa Card - $100 Cash Back
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?)
0%* 12 months* 12.99% - 22.99% (Variable) * $0.00* 20 days* Good*

[70] Chase Freedom® Visa

Chase Freedom Visa
More Info
- Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 0% Intro APR for 15 months on purchases and balance transfers
- 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 – 6/30/12
- You'll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases
- Up to an additional 10% Cash Back when you shop online at select merchants through Chase
- No annual fee and rewards never expire
View all new offers
Chase Freedom Visa
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?)
0%* 15 months* 12.99% – 22.99% (Variable) * $0.00* 21 days* Good*

[71] Citi Forward® Card

Citi Forward Card
More Info
- $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
- 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable
- 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
- APR reduction on purchases when using credit wisely
- No Annual Fee
Citi Forward Card
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?)
0%* See T&C* 12.99% - 22.99% (Variable) * $0.00* 20 days (Min.)* Good*

[72] Citi Forward® Card for College Students

Citi Forward Card for College Students
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- No Cosigner required
- APR reduction on purchases when using credit wisely
- 100 ThankYou Points each billing period that you pay on time and stay under your credit line
- Earn 1,000 points after you sign up for paperless statements within the first 3 months of account opening.
Citi Forward Card for College Students
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?)
0%* 7 months* 13.99% - 22.99% (Variable) * $0.00* 22 days (Min.)* Fair*

[73] Chase Freedom® Visa - $100 Bonus Cash Back (0% APR)

Chase Freedom Visa - $100 Bonus Cash Back (0% APR)
More Info
- Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 0% Intro APR for 15 months on purchases and balance transfers
- 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 – 6/30/12
- You'll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases
- Up to an additional 10% Cash Back when you shop online at select merchants through Chase
- No annual fee and rewards never expire
Chase Freedom Visa - $100 Bonus Cash Back (0% APR)
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?)
0%* 15 months* 12.99% – 22.99% (Variable) * $0.00* 20 days* Good*

[74] Chase Freedom® MasterCard - $100 Bonus + 0% Intro APR

Chase Freedom MasterCard - $100 Bonus + 0% Intro APR
More Info
- Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 0% Intro APR for 12 months on balance transfers and 6 months on purchases
- 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 - 6/30/12
- You'll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases
- Up to an additional 10% Cash Back when you shop online at select merchants through Chase
- No annual fee and rewards never expire
Chase Freedom MasterCard - $100 Bonus + 0% Intro APR
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?)
0%* See T&C* 12.99% - 22.99% (Variable) * $0.00* 21 days* Good*

[75] Citi ThankYou® Preferred Card - $150 Gift Card

Citi ThankYou Preferred Card - $150 Gift Card
More Info
- $150 gift card - When you redeem the 15,000 bonus ThankYou Points received after $1,000 in purchases within 3 months of account opening.
- 5 ThankYou Points for every $1 you spend on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 you spend thereafter**
- No expiration and no limit on the points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No annual fee*
Citi ThankYou Preferred Card - $150 Gift Card
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?)
N/A* N/A* 12.99% - 22.99% (Variable) * $0.00* 20 Days (Min.)* Good*

[76] Chase Freedom® Visa - $100 Bonus Cash Back

Chase Freedom Visa - $100 Bonus Cash Back
More Info
- Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 0% Intro APR for 15 months on purchases and balance transfers
- 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 – 6/30/12
- You'll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases
- Up to an additional 10% Cash Back when you shop online at select merchants through Chase
- No annual fee and rewards never expire
Chase Freedom Visa - $100 Bonus Cash Back
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?)
0%* 15 months* 12.99% - 22.99% (Variable) * $0.00* 21 days* Good*

[77] Chase Freedom® MasterCard

Chase Freedom MasterCard
More Info
- Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 0% Intro APR for 15 months on purchases and balance transfers
- 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 – 6/30/12
- You'll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases
- Up to an additional 10% Cash Back when you shop online at select merchants through Chase
- No annual fee and rewards never expire
View all new offers
Chase Freedom MasterCard
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?)
0%* 15 months* 12.99% - 22.99% (Variable) * $0.00* 21 days* Good*

[78] Citi ThankYou℠ Premier Card - enough for $300 in Gift Cards

Citi ThankYou Premier Card - enough for $300 in Gift Cards
More Info
- Earn 30,000 bonus ThankYou Points after $2,000 in purchases within 3 months of account opening - enough for $300 in gift cards
- 1 ThankYou Point for every $1 you spend on purchases
- Earn points for the miles you fly when you purchase a ticket with your Citi ThankYou Premier Card.
- No foreign transaction fees on purchases*
- Annual complimentary domestic companion ticket within the continental USA, when booked through our travel benefits provider, Spirit Incentives
- No points cap and no expiration of points
- the annual fee is waived for the first 12 months.
 
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?)
N/A* N/A* 13.99% - 22.99% (Variable) * $125.00* 20 Days (Min.)* Good*

[79] Citi ThankYou℠ Preferred Card - enough for $250 in gift cards

Citi ThankYou Preferred Card - enough for $250 in gift cards
More Info
- $250 gift card - When you redeem the 25,000 bonus ThankYou Points received after $2000 in purchases within 4 months of account opening.
- Earn 1 point for every $1 you spend on all purchases
- Receive an anniversary bonus every year you're a cardmember
- No expiration and no limit on the points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No annual fee*
Citi ThankYou Preferred Card - enough for $250 in gift cards
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?)
N/A* N/A* 12.99% - 22.99% (Variable) * N/A* 20 Days (Min.)* Good*

[80] Citi ThankYou® Card

Citi ThankYou Card
More Info
- Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness*
- Earn 1 ThankYou Point for every $1 you spend on purchases.
- Earn an anniversary bonus on points earned from purchases every year*
- Enjoy no limit on the number of points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No annual fee*
View all new offers
Citi ThankYou Card
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?)
0%* 15 months* 12.99% - 22.99% (Variable) * $0.00* 20 - 25 Days* Good*

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* Always review the online application for details about terms and conditions of the offer. Reasonable efforts are made to maintain accurate information, however all credit card information is presented without warranty.

** Certain restrictions, limitations, and exclusions apply. Once your account is opened, please see your Guide to Benefits for details.

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