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Low Interest Rate Credit Cards

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Find an APR as low as 7.24% variable.

With good to excellent credit, you have a higher chance of getting a below-average credit card APR. Here are our picks for cards with low interest.

Our pick for a low interest rate

Barclaycard Ring® Mastercard®

  • Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 14.24% APR will apply
  • Low 14.24% variable APR on purchases and cash advances
  • NEW - Control your card - Instantly secure your accounts by locking your cards with Barclays SecurHold™, plus set transaction limits and block certain purchase categories for you or your authorized users. Available only on the Barclays mobile app.
  • No annual fee
  • No foreign transaction fees
  • International chip and PIN
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Compare low interest credit cards

Credit card APRs can vary widely — from as low as around 7% to as high as the 30% mark. Here are a few cards with below-average interest rates.

Name Product Annual Fee Intro Purchase APR Purchase APR
0% for the first 15 months (then 14.24%, 20.24% or 25.24% variable)
14.24%, 20.24% or 25.24% variable
An 15 months 0% intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees


14.24% variable
Enjoy a 0% intro APR on balance transfers for the first 15 months, then a low ongoing APR of 14.24% variable.


13.75% variable
A great way to establish or improve your credit history.
0% for the first 12 months (then 16.24% to 26.24% variable)
16.24% to 26.24% variable
Enjoy a 0% intro APR for 21 months on balance transfers and for 12 months on purchases.
0% for the first 18 months (then 13.74% to 27.24% variable)
13.74% to 27.24% variable
Enjoy a 0% intro APR for 18 months on purchases and balance transfers.

Compare up to 4 providers

Best low interest credit cards

You’ll typically find the lowest interest rates with credit unions. With major credit card providers, you’ll likely receive a purchase and balance transfer APR of at least 14% — potentially much higher.

The following cards are market-leading choices for a low APR.

Best fair-credit card with low APR: DCU Visa® Platinum Secured Credit Card

DCU Visa® Platinum Secured Credit Card
Even if you need a secured card to rebuild your credit, you don’t have to pay an exorbitant interest rate. The DCU Visa® Platinum Secured Credit Card is a no-annual-fee option that offers a 13.75% variable APR on all balances.

Best for 0% intro APR and low ongoing APR: HSBC Gold Mastercard® credit card

The HSBC Gold Mastercard® credit card offers a superb intro APR. Though a few cards offer a comparable deal, HSBC’s product may give you the best ongoing interest rate: as low as 14.24% APR variable on purchases and balance transfers.


To select our best picks, we compared credit cards on the market with low interest rates. We narrowed our winners to cards with standout APRs.

  • Best fair-credit card with low APR.
    We looked for a widely available secured card with a lower-than-average purchase and balance transfer APR. While we found an option with a lower interest rate, it has an annual fee. We consider DCU’s card to be superior because it doesn’t have an annual fee. This represents significant savings, especially when a consumer’s secured-card credit limit is typically around $200 to $300.
  • Best for 0% intro APR.
    A few cards offer 0% intro APR for 18 months. However, we chose HSBC’s product because it offered the lowest potential ongoing APR on purchases and balance transfers among the cards we evaluated.

What is a low interest rate?

As of this writing, the average credit card APR is around 17%. If you have average credit, it’s not uncommon to receive an APR several points higher than this.

If you have good or excellent credit, however, you might be able to get a below-average interest rate. The lower the APR, the higher the credit score you may need. APRs tend to bottom out at around 7% to 8%.

How to choose a low-interest credit card

  • Check your credit score.
    Once you know your credit score, you’ll have a better understanding of the range of APRs you might receive. While nothing is guaranteed, you should generally seek a lower-than-average interest rate only if you have at least a good credit score.

    If a card has a wide range of possible APRs, you’ll typically have a better shot at the lowest interest rate if you have an excellent credit score (720+).

  • Compare low-interest credit cards.
    Consider whether you want a 0% intro APR. If you don’t want one, look for a card that offers a low normal purchase and balance transfer APR.

    Low-APR cards tend not to offer many bells and whistles. However, you can tiebreak between similar cards by comparing annual, balance transfer, foreign transaction and late fees.

  • Apply for your chosen card.
    Many low-interest cards are issued by credit unions, which may limit membership. Check if you’re eligible to apply for the card you’ve chosen.

    If you’re eligible, apply with details like your contact details, Social Security number, gross annual income and employment details.

  • Wait to hear back.
    In some cases, you may receive an immediate decision. If the card issuer needs to review your application, you may need to wait a few days to a few weeks.

    If you’re approved, you’ll typically see your card in the mail within 7 to 10 days.

Bottom line

To get a low interest rate, you’ll typically need a good or excellent credit score. Look into credit-union cards, which may offer competitive rates.

If you need more options, check out our guide to the best credit cards.

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