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      January 23, 2018

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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

2018

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.
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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
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
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
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
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
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.
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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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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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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!

5 Best Ways to Consolidate Credit Card Debt

The average credit card interest rate in late 2017 was 13.08 percent ... and interest - goes directly back into your account. The interest rate you pay usually is low, and the loan doesn't appear on your credit report. But you might forgo long-term ...

Published:  Mon, 22 Jan 2018 16:28:00 GMT



How do you pay off all that credit-card debt

But she warns that consumers should be cautious about opening up a number of new credit cards just for the low- or no-interest rate. Each time a lender looks at the potential cardholder's credit in order to open a new account, the person's credit score ...

Published:  Mon, 22 Jan 2018 11:07:00 GMT



Can I Pay My Taxes With a Credit Card

Though you might pay a little to set it up, you'll save money by avoiding hefty credit card processing fees and interest rates. An easier way to pay your ... can cost up to $149 to initiate, though low-income taxpayers will often get a break on that ...

Published:  Sun, 21 Jan 2018 12:18:00 GMT



Should You Pay Off Your Credit Card Debt With Your Emergency Savings

This week's question comes from jpomonkey, who asks, I have $2000 credit card debt at 6.9% and $4000 ... Advertisement An interest rate of 6.9% is pretty low (the national average tops 16%), as is the $2,000 debt. With that in mind, Ilene Davis, a ...

Published:  Mon, 22 Jan 2018 15:27:00 GMT



What Type of Credit Card Should I Get

A low-interest credit card is best for consumers who carry a balance from month ... even after factoring in any transfer fee. But note the interest rate following the promotional period, as it can be high. The Citi Simplicity Card, for example, offers ...

Published:  Sat, 20 Jan 2018 14:00:22 GMT



Pay down those credit cards before rates rise further

Now that the holiday spending party is over and credit card statements ... has our attention," he said. Interest rates are expected to keep rising in 2018, meaning that borrowers who carry balances should reduce their card debt to avoid higher costs ...

Published:  Mon, 22 Jan 2018 07:10:00 GMT



Aussies in for credit card shock after Christmas shopping binge

Rate City chief strategy officer Peter Arnold said if people hadn't found a low-rate card, they were paying "way too much. "There's a huge range of credit card interest rates in Australia," he said. "We range from 7.99 percent to 24.99 percent - a typical ...

Published:  Sat, 20 Jan 2018 03:37:00 GMT



How Interest Rates Affect Every Aspect of Your Personal Financial Life

When the FFR is low, banks can offer lower interest rates to consumers, so we're all incentivized to borrow, which means we're more likely to spend. When the FFR is high (and consequently, interest rates are high), we're not. 2. Using a Credit Card The APR ...

Published:  Sun, 21 Jan 2018 08:38:00 GMT



5 Ways Millennials Can Raise Their Credit Scores In 2018

Once that bill is paid off, move on to the next-lowest You could also pay off debt faster using credit card consolidation to pay off multiple high-interest debts by applying for a new consolidation loan with a lower interest rate. Credit card consolidation ...

Published:  Mon, 22 Jan 2018 17:01:00 GMT



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