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      May 21, 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

Visit Site 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.
  • Earn up to 2.25% cash back on gas and grocery purchases and up to 1.25% cash back for all other purchases.
  • No caps or limits on the amount you can earn.
  • Your cash rebate is awarded every January for the purchases made the previous 12 months.
  • Enjoy variable rates as low as 10.40% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the prime rate.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
TopConsumerReviews.com Best-In-Class Blue Ribbon Award

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4 stars

Visit Site 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.
  • Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
  • Free Travel and Retail Benefits: Get benefits like Visa® Auto Rental Collision Damage Waiver Insurance, Worldwide Automatic Travel Accident Insurance, and Warranty Manager Service.
  • Enjoy variable rates as low as 10.40% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.

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4 stars

Visit Site 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.
  • Earn 2,500 Bonus Points after your first purchase and earn 2X points per dollar spent on gas and grocery purchases all the time.
  • No caps or limits on the amount you can earn.
  • Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
  • Redeem your points anytime on USAA's website or from your mobile device - with no redemption fee.
  • Enjoy variable rates as low as 10.40% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.

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4 stars

Visit Site 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.
  • Earn rebates up to 1.25% on your everyday purchases. There's no limit to the amount you can earn.
  • Enjoy variable rates as low as 10.40% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.

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3 stars

Visit Site 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.
  • Special Offer: 0% Intro APR for 12 months on balance transfers that post within the first three months. After 12 months, the 11.40% to 26.40% variable regular APR will apply.
  • Show your military pride while supporting the affiliate group of your choice.
  • Get 2,500 bonus points after you make your first purchase.
  • Redeem your points for cash, merchandise, gift cards, travel or donate to your favorite military affiliate group.
  • No annual fee and no minimum finance charge.

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3 stars

Visit Site 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.
  • It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.
  • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
  • Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
  • Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
  • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.

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3 stars

Visit Site 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.
  • This credit card is best for members with average credit.
  • Make consistent, on-time payments and you could improve your credit rating — sometimes in as little as 12 months.
  • USAA will periodically consider you for an automatic upgrade to a premium credit card based on improved credit and your account history.
  • Special rates are available for military members during deployment or PCS. See terms for additional information.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.

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3 stars

Visit Site 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.
  • No annual fee: And avoid fine-print fees - no over-the-limit fees or penalty rates, so you keep more money in your pocket.
  • Variable rates starting at 7.40% on purchases, balance transfers and cash advances. It's the same low rate for all transactions.
  • Free Travel and Retail Benefits: Get benefits like Rental Car Collision Damage Coverage and Extended Warranty coverage on your purchases.
  • Making your busy life simpler: Our online and mobile tools help you manage your account anytime, anywhere.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.

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3 stars

Visit Site 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.
  • It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.
  • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
  • Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
  • Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
  • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.

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3 stars

Visit Site Excent™ Secured Visa Blue Card

  • Build Credit History - Reports to all 3 nationwide credit bureaus
  • Low Fixed Interest Rate - 13.99% APR on purchases, with no penalty rate.
  • Guaranteed Approval - As long as your monthly income exceeds expenses by at least $100.*
  • No Processing or Application Fees

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3 stars

Visit Site 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!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.

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3 stars

Visit Site 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!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.

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3 stars

Visit Site 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.
  • This credit card is best for members with average credit.
  • Make consistent, on-time payments and you could improve your credit rating — sometimes in as little as 12 months.
  • USAA will periodically consider you for an automatic upgrade to a premium credit card based on improved credit and your account history.
  • Special rates are available for military members during deployment or PCS. See terms for additional information.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.

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3 stars

Visit Site 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.
  • Earn 1.5% cash back on every purchase.
  • Redeem your cash rewards anytime using your mobile device or computer.
  • Special rates are available for military members during deployment or PCS. See terms for additional information.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.

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3 stars

Visit Site First Progress Platinum Select MasterCard® Secured Credit Card

  • Fund your new MasterCard® secured credit card with your tax refund today!
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account

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3 stars

Visit Site 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!
  • No Minimum Credit Score required; low fixed interest rate of 17.99%; Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
  • No application fee or penalty rate
  • Monthly reporting to all 3 major credit bureaus
  • 24/7 online access to your account
  • *See the Cardholder Agreement for more details.

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3 stars

Visit Site Gettington Credit

  • Features a low APR, no annual fees**, no hidden fees** and the ability to pay your way.
  • When you need more flexibility. Spread out the cost of your purchase over 24 Monthly Payments or less - much faster than a typical credit card payback!
  • Plus, Gettington Credit customers get exclusive offers, sales and promotions.

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3 stars

Visit Site First Progress Platinum Prestige MasterCard® Secured Credit Card

  • Fund your new MasterCard® secured credit card with your tax refund today!
  • Our card reports monthly to all three major bureaus and approval is based upon a fully-refundable security deposit.
  • We can approve you at any credit score, no minimum required.
  • No processing or application fees required.
  • Full-featured Platinum MasterCard, accepted for car rentals, hotels, and millions of other locations worldwide.
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application
  • Nationwide Program though not yet available in NY, IA, AR, or WI

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3 stars

Visit Site First Progress Platinum Elite MasterCard® Secured Credit Card

  • Fund your new MasterCard® secured credit card with your tax refund today!
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account

The First Progress Platinum Elite MasterCard® Secured Credit Card from First Progress helps you establish or rebuild your credit. This is an authentic Platinum MasterCard that does not look at your credit history or credit score. Begin the easy online application and get fast approval to the card that will put you on track to establishing the credit you deserve.

No credit history, no minimum credit score required: Since this is a secured credit card, you can get approved even if you have a limited or less than ideal credit history. Get approved fast and receive your card more quickly by applying online through the new expedited processing option.

Reporting to major credit bureaus: What's great about The First Progress Platinum Elite MasterCard® Secured Credit Card is that your efforts to establish credit will be reported to the three major credit bureaus every month. These monthly reports recognize your attempts to build credit and are important in helping you establish a credit history in good standing.

Refundable security deposit: When you apply, you'll also submit a security deposit between $300 - $2,000. This fully refundable deposit secures your credit line. Once you are a card member and have your balance paid off, you can get your deposit back whenever you close the account.

Platinum MasterCard reputation: As an authentic credit card, The First Progress Platinum Elite MasterCard® Secured Credit Card carries worldwide MasterCard recognition. It's a full-featured Platinum MasterCard® Secured Credit Card good anywhere credit cards are accepted. Whether you're paying for groceries, looking to rent a car, or even booking a hotel, you'll know you're building credit the right way!

The First Progress Platinum Elite MasterCard® Secured Credit Card lets you enjoy a true credit experience, including 24/7 online account access. Remember, there is no credit history or minimum credit score required for approval, making it easy for you to establish the credit you need. The card is part of a nationwide program, so join countless others on their journey to establish credit and apply today for The First Progress Platinum Elite MasterCard® Secured Credit Card!

Most Attractive Features:
  • Up to $2,000 credit limit with security deposit (completely refundable on paid accounts) and low APR for a card of this nature
Least Attractive Features:
  • Security deposit does not earn interest, no introductory APR available

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3 stars

Visit Site 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.
  • Earn 5% cash back at gas stations & qualifying commissaries on up to 3,000 in annual purchases.
  • Earn 2% cash back on groceries from supermarkets on up to 3,000 in annual purchases.
  • Earn 1% cash back on all other purchases.
  • Redeem your cash rewards anytime using your mobile device or computer.
  • Special rates are available for military members during deployment or PCS. See terms for additional information.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.

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3 stars

Visit Site OpenSky® Secured Visa® Credit Card

  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search "OpenSky Card" in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.

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3 stars

Visit Site 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!

Cost Of Credit Card Debt Continues To Soar

... card companies would be able to increase the interest rate on the existing balance. For example, a customer could have opened a credit card account when she had a FICO of 750 and received a low interest rate. Over time, the hypothetical borrower's ...

Published:  Thu, 17 May 2018 12:24:00 GMT



6 questions to ask before getting your favorite brand's credit card

Rewards cards tend to come with higher interest rates than non-rewards cards. So anyone planning to carry a balance on a credit card should focus on getting the lowest interest rate possible instead of rewards, Ulzheimer says. 4. Will the card tempt you to ...

Published:  Sun, 20 May 2018 04:12:00 GMT



Credit Cards With Low Interest Rates

If you carry a balance on a credit card, rates and interest charges are more important than virtually everything else -- no foreign transaction fees, rewards, or other perks don't come close. Cardholders who have good or excellent credit can find serious ...

Published:  Fri, 11 May 2018 17:00:00 GMT



Commonwealth Bank attempts to lure in new customers with low-rate interest rate card

CREDIT card customers are being forced to switch to online statements and set-up direct debits just to reduce their monthly costs on a new deal. The nation's biggest bank, the Commonwealth Bank, has quietly rolled out its cheapest-ever interest rate on ...

Published:  Sun, 25 Mar 2018 06:06:00 GMT



Lender American Express drops credit card interest rates

American Express this week revealed it was dropping the interest rate on their low rate credit card from 11.99 per cent to 8.99 per cent for both new and existing customers. This is the lowest rate on the credit card market. Interest rates have remained ...

Published:  Wed, 11 Apr 2018 14:58:00 GMT



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