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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
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 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 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 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 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 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 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 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 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

Build Credit History - Reports to all 3 nationwide credit bureaus
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3 stars

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

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 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 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

Fund your new MasterCard® secured credit card with your tax refund today!
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3 stars

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

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

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

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 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

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

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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!

Can I Consolidate Credit Card Debt Into a Mortgage

These credit cards have either a low on-going interest rate, low introductory interest rate, or low on-going fees. Most of these cards also have reasonable rewards programs and additional card perks. ...

Published:  Mon, 13 Aug 2018 12:24:00 GMT



How balance-transfer credit cards can save money and help pay off debt sooner

If you're in revolving credit card debt, you may want to consider getting a balance-transfer card. They allow you to transfer a balance from a card with a high interest rate to one with a low interest ...

Published:  Sat, 18 Aug 2018 12:00:00 GMT



A financial planner shares an 8-step plan to paying off your credit-card debt

"The debt avalanche starts with the highest interest rate [card] and works its way down, which saves you both time and money, while the debt snowball focuses on the credit card with the lowest balance ...

Published:  Thu, 16 Aug 2018 09:00:00 GMT



The best credit card you can use to pay off debt with no balance transfer fee

To determine which credit cards are the best for getting out of debt overall, CNBC Make It compiled a list of 25 highly rated cards with no-interest offers and low annual percentage rates. We estimate...

Published:  Tue, 14 Aug 2018 08:14:00 GMT



We Paid $104 Billion In 12 Months Just On Credit Card Interest!

The average annual percentage rate (APR) on credit cards is nearly 17% ... you're more likely to keep extraneous purchases low and reduce your interest charges. When making a significant purchase, ask ...

Published:  Mon, 06 Aug 2018 19:02:00 GMT



Arcus and Happy Money Partner to Tackle Credit Card Debt by Launching Direct Credit Card Payoff Product

Today, Arcus and Happy Money, two leading financial technology companies working to create better financial health for people around the world, have partnered to launch a direct credit ... multiple hi...

Published:  Thu, 16 Aug 2018 04:30:00 GMT



As credit cards get more expensive don't let the small print catch you out: Seven steps to dodge the traps

She says: 'The base rate rise can affect the interest charged on credit cards but it may not be an immediate impact ... moving to a card that still offers a fixed 0 per cent balance transfer period or ...

Published:  Mon, 13 Aug 2018 23:45:08 GMT



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