The best low interest credit card is one that offers low interest rates and a low introductory rate. The Visa(r) Titanium Signature Rewards Card and Wells Fargo Reflect are some of the top options. These cards offer a 0% initial APR.
Capital One is the most affordable credit card
Capital One offers many types of credit cards. Its credit card options are suitable for those who have a lower interest rate budget. The majority of them offer an introductory period with 0% APR. This means that you can repay your debts quickly and without incurring interest fees. Capital One offers several co-branded credit cards. These cards typically offer rewards for spending in partnership companies.
Wells Fargo Reflect
The Wells Fargo Reflect (r) credit card offers 0% interest on new purchases and balance transfers for a minimum of three months. The card isn't a rewards card. It may not be the best option for people who spend a lot, but aren’t interested in receiving rewards. It does provide a break from interest for a while, which can be a great thing if your goal is to pay off credit card debt. You can use it as your primary card or secondary card.
Visa(r), Titanium Signature Benefits Card
The Visa(r) Titanium Signature Rewards Card is a good low interest credit card option if you want a low ongoing interest rate and a generous rewards program. Andrews Federal Credit Union issues the card. They offer no annual fee and a signup bonus worth 10000 points when you transfer your balance from another card. There is no foreign transaction fee, and there is no minimum balance transfer fee.
Students: BankAmericard(r), Credit Card
BankAmericard Credit Card(r) is a great option if you need a card at a low rate of interest but want to be able to pay it off each month. It does not charge any fees for balance transfers and it doesn't automatically increase your APR if you are late making a payment. It also features a free FICO(r) score, an increasingly common perk in the credit card industry. This score can be accessed via the BankAmericard online banking portal and the mobile app.
Bank of America Travel Reward
Bank of America Travel Reward low interest credit cards offer a great welcome package and have no annual fees. It is rated among the best cards in its category and has a strong rewards program. However, consumers should keep in mind that it may not be the best choice for them if they do not plan to travel often.
Citi Diamond Preferred Card
Citi Diamond Preferred Card is an excellent option for those looking for a low rate card with no annual cost. The card comes with a 0% introductory APR for purchases within the first four months. During the introductory period, you can make interest-free payments on up to $5,000 of purchases. This is a tremendous benefit for big purchases.