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Low Interest Rate Credit Cards
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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.

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!

2017

Low Interest Rate Credit Card Reviews

5 stars
USAA Cash Rewards® American Express® Card

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

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.
Read More... Visit Site

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.
Read More... Visit Site

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.
Read More... Visit Site

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.
Read More... Visit Site

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.
Read More... Visit Site

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

Low fixed 9.99% interest rate on purchases! Guaranteed Approval* as long as your monthly income exceeds your monthly expenses by $100 or more!*
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3 stars
primor® Secured Visa Classic Card

primor® Secured Visa Classic Card

Credit lines available from $200 to $5,000! You decide where you want to start and open your Personal Savings Deposit Account to secure your line
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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.
Read More... Visit Site

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.
Read More... Visit Site

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!
Read More... Visit Site

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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Low Interest Rate Credit Cards Versus 0% Introductory APR Offers: Which Eliminates Debt Faster?

Those looking for low credit card rates are wary of the too-good-to-be-true offers that end up costing more money than they promise to save. After all, most of us just want a straightforward card with simple rules. But then along comes a card offering a 0% ...

Published:  Wed, 01 Aug 2012 10:41:07 GMT



Low interest rate credit cards

That low interest rate credit card may seem like a great deal, but when does the introductory APR run out? Low interest rate credit cards are out there, but you should compare cards and find one that fits your lifestyle before you apply. For example ...

Published:  Tue, 11 May 2010 17:00:00 GMT



Where to Invest Money in 2016: 5 Great Ideas

This article was originally published on December 20, 2015. It was updated on May 5, 2016. When we don't make plans for our money, much of it can somehow just disappear in the course of our daily lives as we spend a little on this and a little on that ...

Published:  Sat, 19 Dec 2015 22:38:00 GMT



Start Your Application

® /™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. " All other trademarks are the property of their respective owner(s). "" Cash advances, including cash withdrawals from an ATM, can be ...

Published:  Wed, 15 Feb 2017 20:37:52 GMT



Best Low Interest Credit Cards in Canada 2017

Unlike many other vanilla Canadian low interest rate credit cards, the Alterna Platinum card, comes with a pretty healthy set of insurances including car rental insurance, trip interruption insurance, accident, extended warranty and purchase assurance ...

Published:  Thu, 26 Jan 2017 16:00:00 GMT



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