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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 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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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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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 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 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

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

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

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

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

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

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

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

Apply for Gettington Credit! We are different from the everyday credit card and are perfect for peop

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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

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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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!

Newegg Experiences Credit Card Data Breach

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:  Wed, 19 Sep 2018 12:11:00 GMT



Rising Interest Rates and Tariff Talk Do Not Deter Strong Canadian Consumer Credit Performance at Midpoint of 2018

Delinquency rates remain in check ... combined with growing net worth and low unemployment, point to continued strong Canadian credit performance." Credit cards, a key product in the consumer ...

Published:  Wed, 19 Sep 2018 03:10:00 GMT



Credit card debt outpaces student loan debt for older millennials

Other study findings also conclude that debt repayment is a low priority - conflicting with the study ... it's important to limit credit card debt and not let balances rise. The average credit card in...

Published:  Mon, 17 Sep 2018 10:32:00 GMT



Record low interest rates help fuel demand for personal loans and credit cards

Record low interest rates are helping to fuel a strong demand for personal loans and credit cards, as consumer credit grows at its fastest levels in nearly a decade, banks have reported. The British B...

Published:  Wed, 26 Oct 2016 02:50:00 GMT



American Express introduces credit card with 8.99% interest rate - the lowest in Canada

TORONTO - American Express has a new credit card that charges much lower interest compared with similar products in Canada. The company says the Amex Essential card will charge interest at an annualiz...

Published:  Wed, 17 Aug 2016 05:06:00 GMT



What you don't know about your credit card interest rates

The prime rate is the lowest rate of interest that money can be borrowed commercially, and it's the most widely used benchmark to set credit card rates (and rates for other loans). It's based on the f...

Published:  Mon, 26 Feb 2018 12:45:00 GMT



3 Credit Card Giants in Low-Interest-Rate Battle

Three of the nation's top credit card issuers are engaged in an interest rate battle that has taken the costs of using plastic to new lows for a few of their best customers. First USA, Capital One Fin...

Published:  Mon, 01 Jan 2001 03:59:00 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. Cardhold...

Published:  Sun, 05 Nov 2017 05:15:00 GMT



ACCC Explains Eight Common Credit Card Terms

Credit scores range from a low of 300 to a high of 850 ... Annual Percentage Rate (APR) - The APR is the interest rate consumers are charged on their credit card balance throughout the year.

Published:  Wed, 19 Sep 2018 04:15:00 GMT



Renovations best reason to tap home equity, homeowners say

"With the sorry state of emergency savings and increasing levels of consumer debt in a rising interest rate environment," McBride says ... debt repayment and to avoid running up credit card or other h...

Published:  Wed, 19 Sep 2018 06:47:00 GMT



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