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Best Low Rate Credit Cards

A low-interest credit card can be a valuable tool to save money if you occasionally carry a balance. Numerous cards offer introductory interest-free periods, potentially assisting with major purchases or debt repayment. Learn how to select the optimal card for your needs and goals. Terms and conditions apply.

Best Low Rate Credit Cards List

Citi Diamond Preferred Card - 21 Month Intro Offer on BT and Purchases

Enjoy a 0% Intro APR on Balance Transfers and Purchases for 21 months with the Citi Diamond Preferred Card. After that, the variable APR will be 13.99% - 23.99% based on your creditworthiness. Benefit from Citi Price Rewind, $0 liability on unauthorized purchases, and Citi Identity Theft Solutions. Plus, get free access to FICO Scores and no annual fee. Take advantage of a balance transfer fee of either $5 or 3% of the transfer amount. Terms apply.

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Discover it® Balance Transfer

Your account may not always be eligible for balance transfers. Balance transfer eligibility is determined at Discover’s discretion.Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.No annual fee.Terms and conditions apply.

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Citi Simplicity® Card

The Citi Simplicity® Card is a no annual fee credit card that offers a straightforward approach to managing finances. Its key features include no late fees, no penalty rates, and no annual fee. The card also offers a 0% intro APR on balance transfers and purchases for 18 months. With easy-to-understand terms and no frills, the Citi Simplicity® Card is designed for those seeking simplicity in their credit card experience.

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Blue Cash Preferred® Card from American Express

$0 intro annual fee for the first year, then $95.Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.

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Discover it® chrome

Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.No annual fee.Terms and conditions apply.

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Discover it® Cash Back

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Capital One Quicksilver Cash Rewards Credit Card

$0 annual fee and no foreign transaction fees0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

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Bank of America® Travel Rewards

The Bank of America Travel Rewards credit card offers flexibility for travel anytime. Unlike other travel cards, it allows you to book your own rewards-funded travel without any restrictive policies. This makes it a convenient choice for those who want more control over their travel plans.

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BankAmericard® Credit Card

The BankAmericard Credit Card offers a low regular APR and a lengthy introductory period for balance transfers and new purchases, resulting in significant interest savings.

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Applied Bank® Secured Visa® Gold Preferred® Credit Card

Better than Prepaid...Go with a Secured Card! Load One Time - Keep On UsingAbsolutely No Credit Check or Minimum Credit Score RequiredAutomatic Reporting to All Three National Credit Bureaus9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are LateActivate Today with a $200 Minimum Deposit - Maximum $1,000.Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime

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Top Cards We Selected For Your

	Discover it® Balance Transfer	Discover it® chrome	Discover it® Cash Back	BankAmericard® Credit Card
Annual fee	$0	$0	$0	No Annual Fee
Regular APR	$0	$0	$0	14.99%-24.99% (Variable)
Purchase Intro APR	3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time0% for 15 months	3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time0% for 15 months	3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time0% for 15 months	0% for18 billing cycles
Transfer Intro APR	0% for 6 months	0% for 15 months	0% for 15 months	0% for18 billing cycles for balance transfers made in the first 60 days
Late Payment Fee	0% for 15 months	0% for 15 months	0% for 15 months	$38
Returned Payment Fee	37	37	37	Up to $27
	See Details	See Details	See Details	See Details

Top Card Issuers

Capital One

37 Cards

Bank of Guam

4 Cards

North Shore Bank

5 Cards

Comenity Bank

53 Cards

PNC

10 Cards

Bank Mutual

5 Cards

Johnson Bank

5 Cards

Bank of America

29 Cards All Credit Cards Bank >

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Welcome to Cards-Pick – where finding Your Perfect Card is a seamless journey. No financial path is straight; it's an odyssey of twists, turns, and detours. At our hub, we simplify the credit card quest. Let us be your trusted guide, ensuring each click leads to financial fulfillment. Your Perfect Card is waiting – start your journey to prosperity with us!

What Type of Credit Card is Best?

Choosing the best credit card isn't a one-size-fits-all scenario. Each card serves a unique purpose – some for spending, others for borrowing, travel, rewards, and more. To navigate this financial landscape, answer a few key questions to find the perfect card tailored to your specific needs. Let's unravel the credit card puzzle and discover how you can save by having the right card for the right purpose. The best credit card for you depends why you need it:

Cut interest with a balance transfer card

Get points/cash on a reward credit card

And there are others too... our 'how do credit cards work' guide takes you through all the options.

See all credit card types

Best Low Rate Credit Cards