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Low Interest Rate Credit Cards Better Business Bureau Reliability Seal

Low interest credit cards are particularly well suited for people who carry a balance from month to month. Typically these companies look for people with good to strong credit and a solid payment history. With a low interest credit card you can save significant money each month on your payment - which can equate to a lower minimum payment and a faster rate of paying off the initial principal if so desired.

Low interest credit cards typically charge a rate similar to what banks are charged to borrow funds. This can provide you with significant savings over other credit cards. However, if your payment is late or you go over your minimum you can anticipate a potential for the rate to be increased. Careful management of charges and monthly payments are necessary to take continued advantage of lower interest rate credit cards.

Continue reading below reviews

2017

Low Interest Rate Credit Card Reviews

5 stars
USAA Cash Rewards® American Express® Card
TopConsumerReviews.com Best-In-Class Blue Ribbon Award

USAA Cash Rewards® American Express® Card

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
Read More... Visit Site

4 stars
USAA Rewards™ Visa Signature®

USAA Rewards™ Visa Signature®

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
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4 stars
USAA Rewards™ American Express® Card

USAA Rewards™ American Express® Card

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
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4 stars
USAA Cash Rewards® Visa Signature® Card

USAA Cash Rewards® Visa Signature® Card

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
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3 stars
USAA Military Affiliate Card

USAA Military Affiliate Card

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
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3 stars
USAA Secured Card® American Express® Card

USAA Secured Card® American Express® Card

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
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3 stars
USAA Classic American Express®

USAA Classic American Express®

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
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3 stars
USAA Rate Advantage Platinum Visa®

USAA Rate Advantage Platinum Visa®

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
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3 stars
USAA Secured Card® Platinum Visa®

USAA Secured Card® Platinum Visa®

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
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3 stars
Excent™ Secured Visa Blue Card

Excent™ Secured Visa Blue Card

Build Credit History - Reports to all 3 nationwide credit bureaus
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3 stars
primor® Secured Visa Gold Card

primor® Secured Visa Gold Card

Credit lines available from $200 to $5,000! Super Low Fixed 9.99% interest rate on purchases - with no penalty rate!
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3 stars
primor® Secured Visa Classic Card

primor® Secured Visa Classic Card

Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases - with no penalty rate!
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3 stars
USAA Classic Platinum Visa®

USAA Classic Platinum Visa®

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
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3 stars
USAA Preferred Cash Rewards Visa Signature®

USAA Preferred Cash Rewards Visa Signature®

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
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3 stars
UNITY® Visa Secured Credit Card

UNITY® Visa Secured Credit Card

Unlike your Prepaid Card, UNITY Visa secured card can help you build your credit. Apply online in less than 5 minutes, and you could be approved today!
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3 stars
Gettington Credit

Gettington Credit

Features a low APR, no annual fees**, no hidden fees** and the ability to pay your way.
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3 stars
Apply for Gettington Credit! We are different from the everyday credit card and are perfect for peop

Apply for Gettington Credit! We are different from the everyday credit card and are perfect for peop

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3 stars
First Progress Platinum Select MasterCard® Secured Credit Card

First Progress Platinum Select MasterCard® Secured Credit Card

Fund your new MasterCard® secured credit card with your tax refund today!
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3 stars
First Progress Platinum Prestige MasterCard® Secured Credit Card

First Progress Platinum Prestige MasterCard® Secured Credit Card

Fund your new MasterCard® secured credit card with your tax refund today!
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3 stars
USAA Cashback Rewards Plus American Express® Card

USAA Cashback Rewards Plus American Express® Card

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
Read More... Visit Site

3 stars
First Progress Platinum Elite MasterCard® Secured Credit Card

First Progress Platinum Elite MasterCard® Secured Credit Card

Fund your new MasterCard® secured credit card with your tax refund today!
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3 stars
OpenSky® Secured Visa® Credit Card

OpenSky® Secured Visa® Credit Card

No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
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Continued from above

The benefits of low interest credit cards can vary from one company to another. When looking for the best low interest credit card, you should consider the following factors:

  • Interest rate. How low of an interest rate comes with the credit card? Is the rate fixed or adjustable?
  • Penalties. What are the charges and penalties if you make a late payment or go over your low interest credit card limit? Will the rate automatically go up? If so, how soon will the rate come back down?
  • Annual fees. Some low interest credit cards charge annual fees. Make sure you know any costs for your low interest credit card upfront.

TopConsumerReviews.com has reviewed and ranked the best low APR credit cards available today. We hope these reviews help you find the right low interest credit card to meet your needs!

The Best Low Interest Rate Credit Cards for Holiday Spending

This article originally appeared on CompareCards.com. If you tend to carry a balance on your credit card throughout the year, it's likely that you'll do so after the holidays. Before you swipe your card left and right for friends and family this holiday ...

Published:  Wed, 11 Nov 2015 08:42:00 GMT



Best low-interest credit cards

Some cards may even sweeten the pot by offering rewards and zero percent introductory rates on balance transfers. Here are the three best low-interest credit cards as chosen by the experts at CreditCards.com. CARD SEARCH: Apply for a low-interest card now.

Published:  Thu, 16 Feb 2017 03:10:35 GMT



What credit cards offer the lowest interest rates

When it comes to picking out a credit card, there are number of factors to consider. From annual fees to perks like cash back and airplane miles, every credit card account is different. Perhaps the biggest factor consumers should focus on is the card's ...

Published:  Tue, 18 Sep 2012 04:00:00 GMT



Fortune: Credit Card Users Not Benefiting from Low Interest Rates

Interest rates are the lowest they have been in decades, but credit card users have yet to see the benefits, even while banks are increasing their card profits, Fortune reports. In the four years since the Federal Reserve began a bond-buying spree, credit ...

Published:  Tue, 25 Sep 2012 00:56:00 GMT



Fed up of short-lived sign-up deals and crafty interest hikes Here's our pick of the best low-rate credit cards

which will charge consistently low rates to help avoid teaser-rate traps. Most standard credit cards set interest charges between 16 and 19 per cent APR, while a low-rate card usually offers between 7 and 14 per cent. Remember, although these cards ...

Published:  Thu, 12 May 2016 20:52:00 GMT



Video: How to Get A Low Credit Card Interest Rate

Are you struggling to keep up with the interest payments on your credit card In the video above, Nerdwallet Credit and Banking Expert Sean McQuay describes ways to get credit cards with low interest rates. If you want more credit, check out MoneyTips ...

Published:  Wed, 26 Apr 2017 08:00:00 GMT



3 Credit Card Giants in Low-Interest-Rate Battle

Three of the nation's top credit card issuers are engaged in an interest rate battle that has taken the costs of using plastic to new lows for a few of their best customers. First USA, Capital One Financial Corp. and Providian Financial Corp. are offering ...

Published:  Thu, 06 May 1999 17:00:00 GMT



Average credit card interest up to shocking 21%

The average credit card interest rate for people with fair credit has hit a shocking ... have raised rates while their costs remain historically low, industry observers say. "Credit card interest rates were higher across the board during the first ...

Published:  Sat, 19 Apr 2014 18:05:00 GMT



With Interest Rates So Low, Why The Heck Are Credit Card APRs So High

It doesn't seem to make sense: The Federal Reserve just announced a plan intended to lower long-term interest rates ... the website only uses a card's lowest available rate in its calculations. People with blemished credit have it even tougher ...

Published:  Thu, 22 Sep 2011 17:00:00 GMT



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