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      April 26, 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
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!

How to lower your credit card interest rate

These cards are great, but can be deceiving. Many times you will receive a low APR for a short introductory period. However, when that runs out, the interest rate jumps - sometimes to well over 20%. So what is a good interest rate on a credit card

Published:  Fri, 20 Apr 2018 07:36:00 GMT



Interest, Auto Lending And Credit Cards Boost Capital One's Q1

Capital One logged stronger than expected results when it posted its earnings yesterday - the growth was driven largely by rising interest rates ... cards. "The competitive marketplace remains intense, but generally rational. Supply of card credit ...

Published:  Wed, 25 Apr 2018 08:12:00 GMT



Best Barclaycard credit card

If you subscribe to that philosophy, you might want to sign up to the Barclaycard low-rate Platinum credit card, which charges a simple 6.9% interest rate on all of your purchases and balance transfers. Do you want to retire early and give up the rat race ...

Published:  Wed, 25 Apr 2018 03:04:00 GMT



Smart spending: Here are 6 expenses you do not put on your credit cards

Only open a new account offering a 0 percent introductory rate for a set period to ... there are options other than credit cards for paying off balances. Many medical providers will offer low- or no-interest payment plans, or will negotiate lower bills ...

Published:  Tue, 17 Apr 2018 11:25:00 GMT



CompareCards Study: Where Credit Card Debt Has Increased the Most in 2018

Even better: San Francisco has the lowest utilization rate among the 30 cities ... to independently compare credit cards side-by-side and choose a credit card based on interest rate, reward benefit, cost savings, and other factors that are important ...

Published:  Mon, 23 Apr 2018 07:10:00 GMT



How to Cancel a Credit Card Without Hurting Your Credit Score

If you're in the habit of carrying a balance, a card that features a low-interest rate might be worth keeping open. Ask for an incentive to keep your account open. Sometimes you might want to keep a credit card account open if you could tweak the terms ...

Published:  Tue, 17 Apr 2018 08:00:17 GMT



7 Low Interest Rate Credit Cards - April 2018

Carrying a balance on your credit card is never ideal, but sometimes it's unavoidable. And with credit card interest charges that can be upward of 25.00% APR, it can be hard to get out of debt because a large portion of your payment goes to interest.

Published:  Mon, 02 Apr 2018 03:33:00 GMT



Should I use my savings to pay off credit card debt

But I do have credit card debt ($9,000) and student loans to pay off. Should I use my savings to pay ... at what interest rate), but some federal student loans are often considered "good debt" at a relatively low interest rate. But credit card debt ...

Published:  Thu, 15 Feb 2018 16:25:00 GMT



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