We’ve compiled a list of credit cards with low interest rates. If you are not paying your credit card balance off every month, then at the very least your should make sure your credit card is at the lowest rate possible.
Chase Freedom Credit Card
The Chase Freedom Credit Card has a 0 percent APR for the first 15 months. If you make a balance transfer, then the 0 Percent APR will apply to it also. The APR rate will range from 13.99 to 22.99 percent after the first 15 months. The APR rate is dependent on your credit score. You can also get a cash back on qualifying purchases. There is no annual fee.
Capital One Platinum Prestige Credit Card
The Capital One Platinum Prestige Credit Card has a 0 percent interest rate on balance transfers and purchases for the first 15 months. The APR after the first 15 months will be 10.9 percent, 14 percent or 18.9 percent. Your credit worthiness is one of the factors that determines the APR. Many credit card companies charge a fee for going over the limit. However, you are not charged a fee if you go over the limit on this credit card.
With the Chase Slate Credit Card, a zero percent APR rate applies to both balance transfers and purchases for the first 15 months. You will not have to pay a fee if you make your balance transfer within the first 60 days of having the credit card. The fee amount for balance transfers will be three percent after 60 days.
Discover It Credit Card has a 0 percent APR rate for the first 14 months. After that, the APR will range from 10.9 to 22 percent. There is no fee for going over the limit, and this credit card also comes with a rewards program.
The Capital One Platinum Prestige Credit Card comes with a 0 percent APR rate, which lasts until May 2016. The APR rate will range from 10.6 to 18.9 percent after that. Users are not charged a foreign transaction fee for purchases that are made outside of the United. That is why this credit card is a great choice if you travel abroad. There is a three percent charge for balance transfers.
Barclay Ring MasterCard
Unlike many other major credit cards, the Barclay Ring MasterCard does not have an introductory APR. People will pay a flat APR of eight percent. This is a much lower interest rate than many other credit cards. People are also not required to pay a fee for balance transfers.
Citi Diamond Preferred
The Citi Diamond Preferred Credit Card comes with a 0 percent APR rate, which lasts for 18 months. The APR rate after the 18-month period can range from 11.99 to 21.99 percent. The fee for balance transfers is three percent. People are not charged a fee for going over the credit limit.
U.S. Bank Visa Platinum
The U.S. Bank Visa Platinum Credit Card has a 0 percent APR rate for the first 12 billing cycles. The APR rate ranges from 9.99 to 23.99 percent after the introductory rate. There are no fees for going over the limit. The balance transfer fee is three percent.
Bank Americard Better Balance Rewards
The Bank Americard Better Balance Rewards Credit Card has a 0 percent APR for the first 12 months. After the first 12 months, the APR rate will range from 11.99 to 21.99 percent. There is a three percent fee for balance transfer. People who pay their bill on time and make more than the minimum payment can earn rewards.
Penfed Promise Visa
The Penfed Promise Visa Credit Card does not have a balance transfer fee. There is a 7.49 percent introductory APR rate for the first 36 months. The APR rate will be 9.99 percent after the 36 month period, but it will vary with the prime rate. Unlike most of other credit cards, people are not charged a fee for paying their bill late. They are also not charge a fee for going over the credit limit. Additionally, people will not be charged a fee for cash advances.