Best Low Interest Credit Cards — October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Low interest credit card rates range from 3.99% to 8.99% APR, verified by MonitorBankRates as of October 13, 2026. Top low interest credit cards currently available include: Northeastern Operating Engineers Federal Credit UnionNortheastern Operating Engineers Federal Credit Union1965 Dixwell Ave, Whitestone, NY, 11357A+5.0 ★Texas Ratio: 2.15%'s Visa Credit Card has an APR of 3.99%, Pinnacle Federal Credit UnionPinnacle Federal Credit Union3C Buckingham Dr, Parlin, TX, 75234 2784's Premier Rate Mastercard has an APR of 4.24%, Pinnacle Federal Credit UnionPinnacle Federal Credit Union3C Buckingham Dr, Parlin, TX, 75234 2784's Premier Rate Mastercard has an APR of 4.49%, Pinnacle Federal Credit UnionPinnacle Federal Credit Union3C Buckingham Dr, Parlin, TX, 75234 2784's Premier Rate Mastercard has an APR of 4.74%, and North Memorial Federal Credit UnionNorth Memorial Federal Credit Union3300 Oakdale Ave N, Robbinsdale, MN, 55422 2926A+5.0 ★Texas Ratio: 3.29%'s VISA Lifestyle has an APR of 4.90%. Rates as of October 13, 2026 per MonitorBankRates.
Low interest credit cards minimize finance charges on carried balances. Whether you occasionally carry a balance or are managing existing debt, finding the lowest possible APR from a highly-rated institution can save you significantly each month.
We display transparent financial health metrics — A–F Safety Grades, Star Ratings, and Texas Ratios — so you can choose a stable, highly-rated institution.
Rates reflect actual verified offers. Last Updated: October 13, 2026
Compare Low Interest Credit Card Rates Nationwide
Loan Limit: $15,000
As Low As
As Low As
As Low As
Rates effective as of 05.01.2026
No additional details provided.
Intro rate expires: 6 months; Regular APR: 1.99% for 12 months
As Low As
up to $10,000.00; Published APR range: 5.00 - 7.00%. As Low As
Payment Based Upon Balance; Maximum Credit Limit is $10,000; $25.00 Annual Fee; Secured by Credit Union shares
Intro APR: 0% for within the first yea; Term: within the first year of account opening; Intro rate expires: within the first year of account opening; Regular APR: up to 5% cash back in 2 categories you choose
As Low As
Credit Score: 750+ A+
Credit Score: 750+ A+
As Low As; APR* as low as
Credit Tier: Share Secured; Visa Credit Cards secured with funds in account (share secured) will be given the lowest rate offered. If funds on hold are released, rate will adjust to qualifying rate.
- Oct 12, 20265.99%▼ from 8.25%
- Sep 17, 20268.25%first recorded
As Low As; RATES AS LOW AS 5.99%
Intro/promo APR: 5.99%; Published APR range: 5.99%-11.99%. As Low As; 5.99%-11.99% applies to purchases made from October-December; Intro rate expires: December 31, 2026 (special applies to transactions made October 1, 2026 - December 31, 2026); Regular APR: 11.99%-17.99%; Payment: 3% of balance; For current and new UFirst VISA Credit Card holders
As Low As; as low as/up to 5.99% Annual Percentage Rate
Standard or Variable: Standard
As low as; *
Score: Army/Military
No additional details provided.
As Low As; Rates range from 6.00% to 11.50%
No additional details provided.
Credit Score: 701-749 A
Credit Score: 750+ A+
Balance-transfer promotional rate; reverts to 8.50%-18% on 07/01/2027
Balance-transfer promotional rate; reverts to 8.50%-18% on 07/01/2027
Credit Score: 750+ A+
APR range 6.49% APR to 11.99% APR for qualified borrowers; Not all applicants may qualify for the lowest rate
No additional details provided.
No additional details provided.
Credit Score: 701-749 A
As Low As
As Low As; Fixed rates; Same low rate for purchases, cash advances, and balance transfers; No annual fee; No balance transfer fee; $5,000 maximum credit limit
Intro/promo APR: 1.99%; Introductory rate for 12 months; Regular APR: 6.74% APR - 18% APR. Click for more disclosure information. Subject to credit approval. The rate may vary depending on credit and underwriting factors. Your actual APR may differ based on credit history, loan terms, and other factors. Rates are not available to refinance any existing StagePoint FCU loan. Other restrictions may apply. Revised September 2026.
Variable
- Oct 12, 20266.75%▼ from 10.75%
- Sep 16, 202610.75%first recorded
Published APR range: 6.75% to 18.00%. No annual fee; APR when you open your account based on creditworthiness; Balance Transfers: 6.75% to 18.00% based on creditworthiness; Cash Advances: 6.75% to 18.00% based on creditworthiness
Intro rate expires: 12 Month Intro %; Regular APR: 6.75%; Credit Score: 760+; Margin: -0.25
Credit Score: 651-700 B
No additional details provided.
Purchase and cash advance APR; no annual fee
50% Lower than the national average
No additional details provided.
As Low As
As Low As; Rates start at 6.9% APR, based on credit score; footnote applies to Classic VISA and Platinum VISA; no annual fees, balance transfer fees, or cash advance fees; 25 day grace period
As Low As; Rates start at 6.9% APR, based on credit score; footnote applies to Classic VISA and Platinum VISA; no annual fees, balance transfer fees, or cash advance fees; 25 day grace period
Published APR range: 6.90%-17.90%. Rates based on credit score
Published APR range: 6.90% to 16.40%. Minimum monthly payment is greater of $20 or 3% of outstanding balance; rate for which you qualify determined by creditworthiness
Published rate range: 6.90% - 16.90%. Revolving
Published APR range: 6.90% to 16.99%.
Regular APR: 6.90%; Balance Transfer APR: 6.90%; APR is the Annual Percentage Rate when you open your account, based on your creditworthiness
Balance Transfer APR: 6.90%; Effective 1-1-2026; APR when you open your account, based on creditworthiness
Published APR range: 6.9%-12.90%. Fixed APR for purchases, balance transfers and cash advances, based on creditworthiness; Grace period 25 days when paid in full by next statement date; No annual fee; Late fee up to $28 (10 or more days late)
No additional details provided.
Low fixed rate; Helps establish or rebuild credit; Limit up to $25,000
As Low As; Low Fixed Rate; rate based on creditworthiness and term of loan; no annual fee; cash advance up to $500 per day
As Low As
Published APR range: 6.90% to 18.00%. Personal Loans & Lines of Credit; Revolving
No additional details provided.
No additional details provided.
No additional details provided.
As Low As
Published APR range: 6.90% to 18.00%.
Always Low Rate; No Annual Fees; No Cash Advance Fees; No Balance Transfer Fees; No Transaction Fees; 25-Day Interest Free Grace Period; Loss of Life, Injury or Illness, and Unemployment Protection Available
No Annual Fees; No Cash Advance Fees; No Balance Transfer Fees; No Transaction Fees; 25-Day Interest Free Grace Period; Loss of Life, Injury or Illness, and Unemployment Protection Available
Published APR range: 6.90% - 18.00%.
As Low As
As Low As
As Low As; Base APR; Loan Limits: $300 - $25,000; Terms: n/a
As Low As; Base APR; Loan Limits: $300 - $25,000; Terms: n/a
Annual Fee: $10.00; Cash Advance Fee: $25.00; Balance Transfer Fee: $25.00; Card Replacement Fee: $5.00; Pin Replacement Fee: $5.00
Credit Grade: A+
As Low As; Rates based on approved credit
No additional details provided.
As Low As; Interest rates starting as low as around 6.99% APR, depending on creditworthiness; Rate based on creditworthiness and term of loan
Published APR range: 6.99% - 11.99%.
Visa Platinum Credit Card++++ (max. loan amount $20,000)
Visa Signature Credit Card++++ (max. loan amount $20,000)
As Low As; *
Published APR range: 7.0% to 17.5%.
As Low As; Rates effective as of 9/1/26
Equals Prime Rate; Rates available on approved credit
- Oct 4, 20267.00%▲ from 6.75%
- Sep 12, 20266.75%first recorded
As Low As; VISA Rates
- Oct 9, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
As Low As; VISA Rates
- Oct 9, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
As Low As; APR - Variable Rate
- Oct 5, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
APR is a fixed rate based on credit score; Features: No Annual Fee, No Cash Advance Fee; Regular APR not applicable; Visa Credit Card
Rate based on credit-worthiness; You set your own credit limit with a deposit to your SouthPoint FCU Regular Savings account.
No additional details provided.
- Oct 6, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
No Annual, Cash Advance, Over Limit or Balance Transfer fees. All Cash Advances have 7% APR
Intro rate expires: 12 Month Intro %; Regular APR: 7.00%; Credit Score: 700-759; Margin: 0.00
Advertised rates and terms are subject to change at any time without notice.
Credit Score: 701-749 A
7.17% APR for life on purchases and balance transfers made in the first 90 days; No annual fee, cash advance or balance transfer fees
Fixed rate for purchases, balance transfers, and cash advances; no annual fee; 25-day finance charge grace period on purchases; ScoreCard Rewards points earned on every purchase
May qualify for up to two times gross monthly income.
Credit Score: 651-700 B
Published APR range: 7.45% to 17.99%. As Low As; Visa Products; Last Updated: 10/01/2026
- Oct 5, 20267.45%▲ from 6.70%
- Sep 14, 20266.70%first recorded
Published APR range: 7.45% - 18%. No Annual Fee
No additional details provided.
Fixed APR; no annual fees; no extra fees or charges for balance transfers; uChoose Rewards (1x) cash back
As Low As*
No additional details provided.
As Low As; Other Loan Products
As Low As; Rates as low as 7.5%, depending on credit.
Credit card; Non-variable Rate
As Low As; After Introductory Period Rate as Low as: 7.50%; Regular APR: 7.50%
Credit Limit: Determined by the amount member designates to be secured from the savings or certificate account; Deposit Required: Yes; Recommended for: Anyone, designed for members with challenged credit history or those establishing or rebuilding credit history
Published APR range: 7.50% - 16.75%. Purchases; Penalty:
Intro rate expires: 12 Month Intro %; Regular APR: 7.50%; Credit Score: 660-699; Margin: 0.50
Credit Score: 750+ A+
Published APR range: 7.74% - 15.74%. Internationally recognized and easy to use. Whether you are making a mobile purchase, paying a vendor, or having staff make quick purchases. Let us help your business grow. Internationally recognized for small business. Low variable rate that adjusts to prime interest rate plus 9.99% after the introductory rate period. Access to funds when you need it.
- Oct 10, 20267.74%▼ from 16.74%
- Sep 14, 202616.74%first recorded
Published APR range: 7.74% - 15.74%. Introductory rate as low as 6.99% APR* for the first 6 payment cycles. Earn 2% Cash Back on all purchases. Plus, 3% Cash Back in select categories ( click for details ). Tap to Pay for fast and secure purchases. Added VISA benefits such as Travel Accident Insurance , Travel and Emergency Assistance , and more
Published APR range: 7.74% - 15.74%. Credit line of either $500 or $1,000. No annual fee. A Sierra Central VISA card is recognized worldwide. Add to your mobile wallet. Can be used as an overdraft protection option for your Sierra Central Checking account.
- Oct 10, 20267.74%▼ from 21.74%
- Sep 18, 202621.74%first recorded
Published APR range: 7.74% - 15.74%. Low variable rate that adjusts to prime interest rate plus "as low as" 4.99% after the introductory rate period. Introductory rate for the first 6 payment cycles. Added VISA benefits such as Travel Accident Insurance , Travel and Emergency Assistance , and more. Credit lines from $1,000 to $25,000. 25 day grace period on purchases. Low introductory rates.
- Oct 1, 20267.74%▼ from 11.74%
- Sep 14, 202611.74%first recorded
Published APR range: 7.74% - 15.74%. Build credit. Set your credit limit. Your refundable deposit is held in a secured Savings account. The credit limit on your card is established at a level $200 below your security deposit. An everyday card for your purchases. Use your card wherever credit cards are accepted. It works just like a traditional Credit card, and it looks the same, too - merchants can't tell the difference between a secured card and traditional card.
- Oct 1, 20267.74%▼ from 22.99%
- Sep 27, 202622.99%▲ from 7.74%
- Sep 22, 20267.74%▼ from 22.99%
- Sep 14, 202622.99%first recorded
No additional details provided.
No additional details provided.
Rate Type: Present rate - variable rate subject to change semi annually at prime + 1.00%
As low as; 1.99% intro APR for 12 months
As low as; 1.99% intro APR for 12 months
As Low As
- Oct 10, 20267.75%▼ from 8.50%
- Sep 14, 20268.50%first recorded
Published APR range: 7.75% - 13.75%. The type of card issued and your Annual Percentage Rate (APR) are based upon credit qualification. The range of APRs for Visa cards is 7.75% to 13.75%.
Rates as low as 7.75 APR*; An unsecured business line of credit with a 8.50% APR is based on your credit score and line of credit between $5,000 and $250,000. All unsecured business lines of credit require a Personal Guaranty. Unsecured line of credit accounts have a $100 annual fee. An interest-only monthly payment based on a 10.00% APR is approximately
Credit Score: 651-700 B
No annual Fee
As low as
Funds will be held in share account
Minimum Credit Limit: $5,000; Maximum Credit Limit: $20,000; Minimum Payments: The minimum payment for all programs is the greater of $10 or 3.0% of the outstanding balance.; Annual Fee: NO FEE; Grace Period for Purchases: Twenty-five (25) days; Method of Computing the Balance for Purchases: Average daily balance (including new transactions); Late Fee: 5% of the past due amount with a minimum charge of $5, or the amount of the required minimum payment: Not to exceed $25.; Free Additional Benefits: Rental Car Collision Damage, $1,000,000 Travel Accident Insurance, Concierge program, $1,000 ID Theft Protection, Purchase Security & Extended Protection; Over Limit Fee: $20 for each payment period account balance exceeds the credit limit
No additional details provided.
Published rate range: 7.90% -17.90%.
Revolving
Fixed rate; Revolving (no set term, closed upon member request); Interest only fees; Payments: 3% of balance (min. $20); Funds held until loan is paid off
Published APR range: 7.90% - 16.90%. Max $15,000.00
As Low As; Fixed rates as low as 7.90% APR; up to $15,000 credit limit; no annual fee
Intro APR: 0% for 6 months; Intro rate expires: 6 months; Regular APR: As low as 7.90%; No annual fee; No balance transfer fees; 0% introductory APR on purchases
Credit limit: $5,000-$50,000
As Low As; Maximum Amount: $20,000
Published APR range: 7.90% to 17.25%. Non-Variable; Interest rate determined by credit rating and other underwriting factors
Published APR range: 7.90% to 17.25%. Interest rate determined by credit rating and other underwriting factors. Rates subject to change without notice.
As Low As; Rates and terms are subject to qualifications and creditworthiness and may vary by term.
Rates Effective 10/01/2026; APR
- Oct 12, 20267.90%▲ from 7.00%
- Oct 8, 20267.00%▼ from 7.90%
- Sep 12, 20267.90%first recorded
Published APR range: 7.90% to 17.90%.
Credit limit: $15,000.00 and under; Regular APR; rates quoted at APR and based on credit score and qualifying discounts
Visa Credit Card; Regular APR not separately stated; APR for which you may qualify is based on credit qualifications; Minimum monthly payment 2% of outstanding balance or $15, whichever is greater
Maximum credit line $15,000; 1% Foreign Transaction Fee; Variable rate applies; Must be a member of Cornerstone Community
As Low As; Featured Rates
Credit Amount: $10,000 - $30,000; No Annual Fee
As Low As; Credit Cards
As Low As; APR = Annual Percentage Rate
As Low As; APR* (As Low As)
Credit Score: 680+
As Low As; Fixed rate for retail purchases or cash advances; No introductory rate or annual fees; Monthly minimum payment is 2% of outstanding balance; Maximum credit card amount $20,000 with a 36 month term; Rewards Points for using the card; Bonus: 1,000 points if a secured loan is closed and a 705 credit card is obtained, 500 points for each secured loan closed by a member with a 705 VISA credit card
Regular APR by credit rating: A+ 7.90%; A 7.90%; B 9.90%; C 11.90%; D 13.90%; E 15.90%. Rates determined by credit history and capacity to repay.
As Low As; Term: Rate varies depending on card
As Low As
$5,000 minimum credit balance; Earn REWARDS on purchases with choices from 1% cash back, gift cards, merchandise, and more; $0 Annual Fee; $0 Balance Transfer Fee; $0 Cash Advance Fee; Twenty-five day grace period for purchases
APR range: 7.90%, 9.90%; As Low As; Rates as low as column; Personal Loans
APR* with approved credit
As Low As; Credit Card
As Low As
Fixed rate; for credit scores of 700 or more; source prints the rate as -7.9%
Credit card; Credit card purchases and cash advances are the same rate
Designed for limited/no credit or credit rebuilding. Contact the credit union to apply.
Published APR range: 7.90% - 16.90%. determined by credit worthiness
No annual fees; No Balance transfer fees; You can access the credit card information through our online banking or mobile app!; Make payments easily through the mail, in a branch or through our mobile app.; Rates as low as 7.90%
$500-$7500; APR range: 7.90% - 9.90% FIXED
Fixed rates starting at 7.90%
Fixed rate; no annual fee; no balance transfer fees; earn points with Score Card Rewards; proof of income required on new applications or line of credit increase requests
As Low As; Intro rate expires: 6 months; Regular APR: 7.90%; Reward points on every purchase; Use anywhere Visa is accepted
Published APR range: 7.90% - 12.90%. APR range as printed; term N/A
Published APR range: 7.9%-13.9%. APR for Purchases, Balance Transfers and Cash Advances; Non-Variable Rate dependent on your creditworthiness; Rewards:; Annual Fee:; Minimum Interest Charge: $0.00; Late Payment Fee: Up to $15.00
As Low As; Credit Cards Rates table
As Low As; Credit Cards Rates table
No annual fees; No balance transfer fees; 24/7 account access through Mobile and Online Banking; ScoreCard Rewards program; Call for Details
As Low As; Your rate may vary from the stated rate and will be determined by your credit history and term
Published APR range: 7.90% - 16.00%. Based on Credit Score
No additional details provided.
Visa Gold Credit Cards (Required $2,000 minimum limit)
As Low As
Regular APR: 7.90%
As Low As; Rates, terms, and conditions subject to change without notice.
As Low As; Rates, terms, and conditions subject to change without notice.
As Low As; Credit card limit is secured by savings deposit to help member re-establish credit. Rates, terms, and conditions subject to change without notice.
As Low As
Depending on your credit you can get as low as 7.9%
As Low As*
Published APR range: 7.90% - 13.90%. Foreign Transaction Fee: 1.00%*
As Low As; *
As low as
As Low As; Limits from $500 - $25,000; Based on credit rating
As Low As; Credit limit: up to $25,000; No Annual Fee; Preferred rate requires FICO score of 720 or above
Published APR range: 7.99%-15.99%. based on credit rating
Score: A+, A, B
Published APR range: 7.99% - 16.99%. APR on Balance Transfers: 7.99% - 16.99%; APR on Cash Advances: 9.99% - 17.99%; Annual Fee:; Rates Effective: January 1, 2026; All Visa Credit Cards are subject to approval, actual APR is based on borrower's creditworthiness and is subject to change. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
Credit Grade: A
- Oct 12, 20267.99%▲ from 6.99%
- Sep 25, 20266.99%first recorded
As Low As; Loan amount: $500.00 - $40,000.00; Platinum Rewards MasterCard subject to an annual fee of $35.00
Rate as low as 7.99%; Repayment is 2% of the balance owed; A 25-day grace period on all purchases; Worldwide acceptance
Available Terms: Revolving / up to $50,000; No annual cash advance or balance transfer fee; Minimum monthly payment is 2% of outstanding balance or $25.00; Twenty-five day grace period on purchases
As Low As; Application subject to approval
As Low As
Published APR range: 7.99% - 14.99%. Cash Advance APR: 7.99% - 14.99%; Method of Computing the Balance for Purchases: Average Daily Balance (Including new purchases); Maximum Credit Limit based on Credit Worthiness: $15,000; Annual Fee:; Minimum Finance Charge:; Transaction Fee for Purchases:; Late Payment Fee: $20.00; Over-the-Limit Fee:; APR determined by credit worthiness
Published APR range: 7.99% - 14.99%. Annual Percentage Rate (APR) for Purchases; Cash Advance APR: 7.99% - 14.99%; Method of Computing the Balance for Purchases: Average Daily Balance (Including new purchases); Maximum Credit Limit: $15,000; Annual Fee:; Minimum Finance Charge:; Transaction Fee for Purchases:; Late Payment Fee: $20.00; Over-the-Limit Fee:
As Low As; Rates effective as of 07/01/2025
Published APR range: 7.99%-15.74%. As Low As; Displayed rates available to well-qualified applicants
APR for VISA credit card; Regular APR not stated separately
Limits: $5,000 to $7,500; No Annual Fee, No Balance Transfer Fee, Same Low Rate on Cash Advances
Special rate on new purchases; Offer subject to change without notice
Score: 680-850; Limit: $9,500
First six months 3.99% intro, then fixed 7.99%; no annual fee, no cash advance fee, 25-day grace period
As Low As; Membership eligibility required; Credit restrictions apply; Foreign Transaction Fee (Finance Charge) is 1% of each transaction amount; Minimum interest charge is $1.00
As Low As; homepage banner
Published APR range: 7.99% - 12.99%.
As low as*
Fixed rate
As Low As; Loan rates effective as of 2/18/2026
Credit card; Loans effective 10/1/2026
Published APR range: 7.99% to 21.99%.
No additional details provided.
As Low As
No additional details provided.
Published APR range: 7.990% - 12.000%.
APR as low as
Published APR range: 7.99% - 14.99%.
Published APR range: 7.99% - 17.99%.
As Low As; Fixed Rate. No Annual Fee. No-Fee Balance Transfers. No-Fee Cash Advances.
No additional details provided.
Published APR range: 8.00% - 18.00%. Payment Based Upon Balance; Maximum Credit Limit is $10,000; $25.00 Annual Fee
Regular APR: 8.00% - 29.99%
As Low As
No additional details provided.
Rate type: Variable; Monthly Required Payment: 2% Of Current Balance
As Low As; Variable rate account; Rates effective 6/22/2026
Published APR range: 8.00%-18.00%*. Intro rate expires: 12 months; Regular APR: 8.00%-18.00%*
Published APR range: 8.00% to 12.00%. Intro rate expires: 12 billing cycles; Regular APR: 8.00% to 12.00%; Lines from $5,000-$50,000; No Annual Fee; No Balance Transfer Fee; Requires annual spend of $10,000 or more; Earn 1 point per $1 spent with uChoose Rewards; APR based on creditworthiness, varies with Prime Rate; Balance transfers limited to maximum of $10,000 OR no more than 1/2 of available credit line
As Low As; Minimum $25 Monthly or 3% of Balance
Credit card APR (fixed, based on Equifax credit score); requires Equifax credit score of 660 or better and no more than 1 previous slow pay account; 25-day grace period on purchases if paid in full
As Low As; Limits: $500 to $3,000
As Low As; APR*
No additional details provided.
Rate with Maximum Discount*: 7.75%
No annual fee; Same low rate on Cash Advances and purchases; No hidden fees; No Cash Advance or Balance Transfer Fees; Zero liability on unauthorized transactions; Credit lines up to $8,000; Rewards with our ScoreCard Rewards program; Check your balance and view transactions from your home; Make your payments here
Intro rate expires: 12 Month Intro %; Regular APR: 8.00%; Credit Score: 620-659; Margin: 1.00
Published APR range: 8.00%-18.00%*.
Credit Tier: A+
No additional details provided.
As Low As
Credit Score: 701-749 A
Published APR range: 8.40% - 9.40%. Credit Limits: $5,000 to $15,000. Rate Based on Credit Worthiness.
As Low As; ***
As Low As; Revolving
Featured rate
As Low As; **
As Low As; Rates effective as of 1/30/2025
Credit card; No annual fee
Credit Score: 600-650 C
As Low As; Daily Periodic Rate: 0.023260%; Max. Amt.: $30,000
Annual Percentage Rate. Rates accurate as of 04/21/26. All credit cards offer a 10 day grace period. Other rates and fees apply.
- Sep 18, 20268.49%▼ from 19.99%
- Sep 14, 202619.99%first recorded
As low as 8.49%
As Low As; Fixed Rate. No Annual Fee. No-Fee Balance Transfers. No-Fee Cash Advances.
As Low As; Fixed APR for purchases; 25-day grace period; no annual fee
Rate as low as; Loan rates listed above are discounted 0.25% for CHFCU checking account holders with direct deposit and auto pay and an additional 0.25% discount for 80% LTV or less for collateralized vehicles.
Fixed APR for Purchases; Minimum Finance Charge: N/A; Transaction Fee:
Monthly Payments; APR Type: Fixed
Intro period: 36 Months; Credit Rating: 730 & above; All rates in this table are APR
As Low As; Max Term: Revolving; Max Loan Amount: $15,000; Est. monthly payment: 2.25% of outstanding balance, minimum $15
Intro rate expires: 90 days; Regular APR: 8.50%
As Low As; Advertised APR assumes qualification for the maximum available rate discount
APR range: 8.50% to 18.50%; No Annual Fee; 25 Day Grace Period
Rates Start As Low As
Published APR range: 8.50% - 17.75%. Purchases; Penalty:
Rates AS LOW AS
Personal Loan Rates - Effective Sept. 1, 2026
Condition: Max $20,000.
As Low As; Rates Effective December 16, 2025. All rates are subject to change without prior notice. All rates are based on an evaluation of the member's individual credit history. A payment example is $10,000.00 financed for 60 months at 6.09% is approx. $194.23. Your actual rate and payment may vary. All rates and terms are subject to conditions and certain restrictions may apply.
No additional details provided.
Credit Limit: $300 - $15,000
$871 Savings Over 3 Years; Massachusetts Avg 14.54% APR (average, not a Direct FCU rate)
- Oct 4, 20268.74%▲ from 8.49%
- Sep 12, 20268.49%first recorded
Loan Amount: $5,000 - $20,000; Annual Percentage Rate for Cash Advances, Balance Transfers and Purchases; *Variable APR is based on the index of prime plus margin. Prime as of 12.11.25 = 6.75%. Rate is subject to change quarterly.
As Low As; Credit card; Homepage rates promo card
As low as; 0% intro APR for 6 months; up to $10,000 maximum based on current credit score
Regular APR: 10.25%
Risk > 700
As Low As; Rates starting as low as
$1,000 - $10,000; Cannot be refinanced from another financial institution; Membership eligibility required, along with approved credit
Intro APR 6.75% for 6 months (12 months if transfer balance of $250 or more); regular APR 8.75%
Published rate range: 8.75% - 15.99%.
No additional details provided.
No additional details provided.
Published APR range: 8.75%-12.75%.
As Low As; Visa Credit Card as low as 8.75% APR*
Published APR range: 8.75% to 18.00%. Daily Periodic Rate: .023973% to .049315%; APR is variable, based on WSJ Prime Rate plus or minus a margin; rate will not exceed 18%; rate quoted as of 10/1/2026
No additional details provided.
Published APR range: 8.75% - 12.75%. The type of card issued and your Annual Percentage Rate (APR) are based upon credit qualification. The range of APRs for Visa cards is 7.75% to 13.75%.
The type of card issued and your Annual Percentage Rate (APR) are based upon credit qualification. The range of APRs for Visa cards is 7.75% to 13.75%.
Fixed APR; Limit: $10,000; Income must be greater than $30,000 per annum for Gold Card
Published APR range: 8.79 - 18.00%. Credit card; APR based on creditworthiness; will vary with the market based on the Prime Rate
As Low As; 8.80% APR
Published APR range: 8.80%-15.80%. As Low As; Up to $15,000 Plan A,B No Annual Fee, Plan C,D Annual Fee 20.00. APR will be based on your credit worthiness.
APR for Purchases; Cash Advance APR: 8.8%, 10.8%, 15.8%; Balance Transfer APR: 8.8%, 10.8%, 15.8%; Grace Period for Purchases: 25 days; Method: Average Daily Balance (including new purchases); Annual Fee:; Minimum Finance Charge:; APR range: 8.8%, 10.8%, 15.8%
As Low As; Apply for a MasterCard Credit Card today!; Base rate, adjusted by risk-based lending (Vantage Score)
As Low As; APR* as low as (Rates at a Glance)
As Low As; APR advertised as low as 8.88%; Rates Subject To Change Without Notice
LIFETIME 8.9% APR for balance transfers.
10.90% APR Cash Advances; $0 Annual Fee; No Balance Transfer Fees; 2% Cash Advance Fee ($2.00 minimum, $50.00 maximum); 1% Foreign Transaction Fee; UChoose Rewards
As Low As
Purchases, cash advances and balance transfers rate; Earn ScoreCard Rewards Bonus Points on purchases
No additional details provided.
- Oct 8, 20268.90%▼ from 19.99%
- Oct 4, 202619.99%▲ from 8.90%
- Sep 16, 20268.90%first recorded
Published APR range: 8.90% to 15.50%. Credit line: $5,000.00 to $25,000.00
As Low As; Starting at 8.90% APR; Rates effective as of 04/23/2026
Maximum financed: $30,000
Non-variable; As Low As
No additional details provided.
Rates as low as
No additional details provided.
As Low As; Annual Percentage Rate for Purchases and Cash Advances; Grace Period for Purchases: 25 days; No Annual Fee; Application Fee $5.00; Transfer Rate - 0% APR for six billing cycles
Fixed Rate; Amount Financed: $15,000.00; Max Term: Reviewed Annually
As Low As; Maximum Amount: $500; Rate as of 10.01.24
As Low As; Loan group: Visa Credit Card
Rates Effective 10/01/2026; All rates listed are APR; Rate variances determined by the MFCU Loan Policy
- Oct 12, 20268.90%▲ from 7.90%
- Oct 8, 20267.90%▼ from 8.90%
- Sep 12, 20268.90%first recorded
No additional details provided.
As Low As; Annual Percentage Rate between 8.90% - 18.00% APR based on creditworthiness; 1% foreign transaction fee; no balance transfer fees; loans subject to credit approval
Grace Period: 25 Days
Intro/promo APR: 3.90%; As Low As; Introductory rate; Intro rate expires: not stated; Regular APR: 8.90%; Minimum Payment: $25
As Low As; Rewards Card: With Rewards
Regular APR on Platinum; one-year balance transfer intro rate 4.9%; no balance transfer fee; no annual fee
As Low As; Credit card
As Low As; Rates as low as 8.90% (page labels this 'Annual Percentage Yield (APY)', but credit card rates are APRs)
As Low As; Payment 3% of balance. Variable Rate Subject to change with 90 day notice.
Published APR range: 8.90%-17.90%. Non-Variable APR for Purchases, Balance Advances and Cash Advances; based on credit worthiness
- Sep 17, 20268.90%▼ from 17.90%
- Sep 14, 202617.90%first recorded
Published APR range: 8.90% - 17.90%. APR for Purchases, Balance Transfers and Cash Advances; subject to creditworthiness; Penalty APR 17.90%; Cash advance fee 2.00% of each cash advance; Balance transfer fee 2.00% of each cash transfer; Foreign transaction fee 1.00%; Returned payment and late payment fees up to $29.00 each
As Low As; Our Rates section
As Low As; APR (as low as)
Low interest rate credit card; no annual fee
Purchase Rate: 8.90% APR; Balance Transfer Rate: 8.90% APR; Cash Advance Rate: 12.90% APR
Maximum credit line $10,000; 1% Foreign Transaction Fee; Variable rate applies; Must be a member of Cornerstone Community
As Low As; Maximum Amount: $25,000
As Low As; Visa Credit Cards; Cash back rewards
No additional details provided.
No additional details provided.
As Low As; On approved credit. Some restrictions may apply. Annual Percentage Rate.
Regular APR: 8.90%; Effective Date: 10/01/2026; Credit Line Account Agreement and Federal Disclosure Statement
As Low As; summary rate from Credit Cards overview card
Published APR range: 8.90% - 10.90%. $15,000.00 Maximum Unsecured Loan Amount
As Low As; Advertised as-low-as APR assumes excellent borrower credit history
Credit Score: 640-679
- Oct 13, 20268.90%▲ from 7.90%
- Sep 21, 20267.90%▼ from 8.90%
- Sep 17, 20268.90%▲ from 7.90%
- Sep 14, 20267.90%first recorded
As Low As; Enjoy competitive interest rates, free balance transfers, no annual fee and contactless security.
As Low As; Regular APR by FICO Score: 680 & higher 8.9%; 640-679 11.9%; 600-639 13.9%; 550-599 15.9%; 549 & below 17.9%; rates based on FICO Credit Score
As Low As; Quick Rates featured rate
As Low As; Credit limit: $500 - $30,000; Payment: 2% Outstanding balance/ $25 min
Rates are based on creditworthiness and card type
No additional details provided.
Revolving
Annual Fee: $9; The Annual Fee will be waived if you qualify for our 8.9% annual percentage rate or if you have a direct deposit relationship with us.; APR range: 8.9%, 11.9% or 13.9% based on credit
As Low As
As low as
As low as
fixed; Rate is based on credit history. Rate shown is offered to members with excellent credit. Interest rate may increase based on current credit history.
No additional details provided.
As Low As; Personal Unsecured Loans; see MasterCard fees and disclosures
Range: 8.90% to 17.90%
APR as low as; Regular APR not stated on page
No additional details provided.
As Low As; APR range: 8.90% - 13.90%
As Low As; APR* as low as 8.90%
Finance Charges Calculated On: Average Daily Balance
Credit Card Starting Rates; APR*; Rates subject to change. Not everyone will qualify for the lowest rate. Reward-based lending applies.
As Low As; Minimum Credit Line: $2,000
Credit Score: 730+
As Low As; APR* as low as; Credit Card Rates effective as of 3/16/2026; APR=Annual Percentage Rate
As Low As; APR range: 8.90% - 14.90%
As Low As; APR range 8.90% - 19.90%; Credit limit up to $30,000
Published APR range: 8.90% - 15.90%.
APR - Purchases: 8.90%; APR - Balance Transfer: 8.90%; APR - Cash Advances: 8.90%; Grace Period - Purchases: 25 Days; Annual Fee:; Min. Finance Charge:; Balance Transfer Fee:; Cash Advance Fee:; Over Limit Fee:; Late Payment Fee:
No additional details provided.
As Low As; Fixed rate; No annual fees.
Card Type: VISA Platinum; Rates listed are lowest possible with qualifying credit score of 651 or higher and eligible rate discounts; APR is annual percentage rate
As Low As; Term: Open
As Low As; Credit Cards Rates table
Published APR range: 8.90% to 18.00%. Introductory Rate on Purchases for 6 Months; Standard Fixed Rates: 8.90% to 18.00%; $0 Annual Fee; $0 Balance Transfer Fee
- Oct 1, 20268.90%▼ from 18.00%
- Sep 22, 202618.00%first recorded
Credit Grade: A
No Annual Fee - No Transfer Fee
As Low As
Published APR range: 8.9% to 18.00%. Annual Fee:; Minimum Finance Charge:; Transaction Fees for cash advance & purchases:; Time Period for Repayment of Balance Purchases: 25 Days; Method of Computing the Balance for Purchase: Average Daily Balance (Excluding New Purchases)
No annual fee; Fixed APR
As Low As; *
No additional details provided.
Credit Limits from $500.00 to $15,000.00; No Balance Transfer Fee; No Annual Fee; 25-Day Grace Period on Retail Purchases
As low as
Rates as low as 8.90% APR* Contact a loan officer for more information.
Rates effective as of 06/02/2025
No additional details provided.
Published APR range: 8.90% to 17.90%.
Intro rate expires: 6 Month; Regular APR: 8.9%
8.9% on purchases - 10.9% on cash advances & balance transfers. Credit score of 680 or higher required.
Regular APR: 8.9%
As Low As
No additional details provided.
As Low As; Max amount of $15,000.00
As low as fixed rates; Payments based on 3% of outstanding card balance.
As Low As; Loan amount: $500.00 - $10,000.00
See our Visa Disclosure for rates and additional information.
3% of balance payment; Max line: $20,000; No annual fee; No balance transfer fee
As Low As; Rate shown based on an A rated credit score, actual rate may vary. Must be a SWCFCU Member to qualify.
- Oct 8, 20268.95%▲ from 7.00%
- Sep 16, 20267.00%first recorded
As Low As
As Low As; Available limits; $1,000 to $10,000**
As Low As; APR* as low as
No additional details provided.
APR for purchases; for members with credit scores of 680 and above at the time of application; Balance Transfer APR: 8.95%; Cash Advance APR: 8.95% from the date of the cash advance; Penalty APR:; Minimum Interest Charge:
Regular APR: 8.95%; Monthly Periodic Rate: 0.7458%; Finance charge applied to average daily balance of Credit Purchases
- Oct 13, 20268.95%▼ from 19.99%
- Oct 9, 202619.99%▲ from 8.95%
- Sep 14, 20268.95%first recorded
As Low As; Rate Type: Non-Variable; Variable APRs apply to purchases, balance transfers, and cash advance transactions.
Credit Card Rates; APR for Purchase 8.95%; APR for Balance Transfers 8.95%; APR for Cash Advances 8.95%; Annual Fee:; Effective date: 9/19/26
Rates Subject To Change Without Notice. Rates vary according to credit worthiness and term of loan, subject to change without notice.
Published APR range: 8.96% - 16.96%. APR for Purchases, based on creditworthiness; Cash Advances APR: 6.96% - 14.96% based on creditworthiness; Balance Transfers APR: 6.96% - 14.96% based on creditworthiness; 25-Day Grace Period for Purchases; No Annual Fee; No Minimum Finance Charge; No Transaction Fee for Purchases; Method for calculating balances for purchases: Average daily balance (including new purchases); Foreign Transaction Fee: 1.00% of each transaction in U.S. dollars; Apply Online
As low as*
As Low As; Rate based on creditworthiness
As Low As; Rate based on creditworthiness and term of loan
Published APR range: 8.99% to 14.99%. No Annual Fee. 1 Free Year of Nevada Alumni Association Membership. A portion of every Nevada Alumni Credit Card balance is donated back to support scholarships, programs, and other Nevada Alumni Association efforts. Rates are based on creditworthiness and subject to change. See credit union for details.
As Low As; Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
Credit Grade: B
- Oct 12, 20268.99%▲ from 6.99%
- Sep 25, 20266.99%first recorded
Published APR range: 8.99% - 13.90%. As Low As; Credit card APR range
No additional details provided.
These discounted rates apply to members who have a minimum monthly GSA FCU direct deposit of $150.00. If the minimum GSA FCU direct deposit requirement is not met, .25% will be added to the members qualified rate.
APPLY NOW; Contact Us
Revolving Loans; Credit Range: Excellent (No past credit issues)
Published APR range: 8.99% - 16.99%. Grace Period for Purchases: 25 Days; Minimum Finance Charge: $0.01; Annual Fee:; Method of Computing Balance for Purchases: Average Daily Balance (including new purchases)
As Low As; APR* As Low As
No additional details provided.
As Low As
Introductory rate 3.99% for six months; regular APR for purchases and cash advances 8.99%; Annual Percentage Rate on approved credit
Non-variable APR
No additional details provided.
Up to $20,000; As Low As; Fixed Rate; Plan limits $750 to $20,000; rates are fixed while the plan is open; based on credit history, credit qualifications and approval; membership required
As Low As; APR - Variable Rate
- Oct 5, 20268.99%▲ from 8.74%
- Sep 14, 20268.74%first recorded
As Low As; APR - Variable Rate
- Oct 5, 20268.99%▲ from 8.74%
- Sep 14, 20268.74%first recorded
As Low As; APR - Variable Rate
- Oct 5, 20268.99%▲ from 8.74%
- Sep 14, 20268.74%first recorded
As Low As; APR - Variable Rate
- Oct 5, 20268.99%▲ from 8.74%
- Sep 14, 20268.74%first recorded
As Low As; Featured Rate; Rates do not apply to refinance of existing TMH FCU loans; other restrictions may apply
As Low As; Rate based on creditworthiness
As Low As; Visa Card Disclosure
Visa Credit Card
Revolving (0.90% 12-month introductory rate); Credit Grade: A+ Category = or > 725
Published APR range: 8.99%-18.00%. As Low As; Business Credit Cards Rates
Credit Score: 740+
- Sep 21, 20268.99%▼ from 15.99%
- Sep 18, 202615.99%▲ from 8.99%
- Sep 14, 20268.99%first recorded
As Low As; APR=Annual Percentage Rate
Published APR range: 8.99% - 18%. Intro rate expires: not stated; Intro 2.99% balance transfer; Regular APR: 8.99% - 18%; Credit limit: $500 - $15,000; Term: Revolving
As Low As; Maximum: $25,000
As Low As; Free Visa Rewards from UChoose Rewards
Credit Score: 680+; Credit Grade: A+/A
Standard or Variable: Standard
Published APR range: as low as 8.99%. As Low As; Annual Fee: No
Published APR range: 8.99% - 16.99%. Intro rate expires: N/A; Regular APR: N/A
Published APR range: 8.99% - 16.99%. APR for Purchase: 8.99% - 16.99%; APR for Balance Transfer: 8.99% - 16.99%; APR for Cash Advances: 8.99% - 16.99%
Credit Score: 600-650 C
No additional details provided.
No additional details provided.
APR* Up To: 17.99%
Published APR range: 8.99% - 14.99%. Non-variable; APR for Purchases, Balance Transfers, & Cash Advances; Effective Date: October 1, 2025
As Low As; Credit Cards (as low as) 8.99% APR
As Low As; APR* as low as; Features: Non-Rewards
As Low As; NCACU Visa Card; low fixed rate; usable anywhere Visa is accepted
Published APR range: 8.99% to 17.99%. Rate: 8.99% to 17.99% APR for Purchases, Balance Transfers, and Cash Advances, based on creditworthiness (Standard MasterCard and Gold MasterCard); Foreign Transaction Fee: 1.00% of each transaction in U.S. dollars; Late Payment Fee: Up to $25.00; Returned Payment Fee: Up to $25.00; Annual Fee:
Published APR range: 8.99% to 17.99%. APR for Purchases: 8.99% to 17.99% based on creditworthiness; APR for Balance Transfers: 8.99% to 17.99% based on creditworthiness; APR for Cash Advances: 8.99% to 17.99% based on creditworthiness; Foreign Transaction Fee: 1.00% of each transaction in U.S. dollars
Published APR range: 8.99% to 17.99%. APR for Purchases: 8.99% to 17.99% based on creditworthiness; APR for Balance Transfers: 8.99% to 17.99% based on creditworthiness; APR for Cash Advances: 8.99% to 17.99% based on creditworthiness; Foreign Transaction Fee: 1.00% of each transaction in U.S. dollars
Variable APR; Credit limit range: $2,000 - $50,000
- Oct 9, 20268.99%▲ from 8.74%
- Sep 14, 20268.74%first recorded
As Low As; Credit card; Loans effective 10/1/2026
Rates based on creditworthiness; lowest APR shown, full range 8.99%, 10.99%, 13.99%, 15.99% or 17.99%; APR for Balance transfers: 8.99%, 10.99%, 13.99%, 15.99% or 17.99%; APR for Cash advances: 8.99%, 10.99%, 13.99%, 15.99% or 17.99%; Late payment fee up to $25.00; Rates effective as of: October 13, 2026
Range: 8.99% to 19.99% APR
No additional details provided.
Great Low Fixed Rates; grace billing system, no finance charge if balance paid in full within 25 days of purchases
Published APR range: 8.99% - 15.99%. APR for purchases, balance transfers & cash advances; Minimum loan amount: $1,500
Published APR range: 8.99% - 15.99%. Credit card APR for purchases, balance transfers & cash advances; Minimum Loan Amount: $1,500
Published APR range: 8.99% - 15.99%. Mastercard Credit Card; APR for purchases, balance transfers & cash advances; Minimum loan amount: $1,500
Interest subject to credit eligibility; UChoose Rewards earned on purchases
As Low As; Benefit FIXED rate for purchases; Balance Transfers and Cash Advances APR as low as 11.99%; Limits $500 to $25,000; 25 Day grace period; Foreign Transaction Fee 1% multiple currencies and 0.8% single currency; Late Fee up to $10; No annual fee; No cash advance fee; Higher rates may apply
- Oct 13, 20268.99%▼ from 11.99%
- Sep 14, 202611.99%first recorded
As Low As; Fixed Rate (No Penalty APR); No Annual Fee; Credit lines up to $25,000; 25 Day grace period on new purchases
Published APR range: 8.99% - 17.99%. Other Loans section
Published APR range: 8.99% - 18.00%.
No additional details provided.
As Low As; Type: MasterCard or Visa
As Low As; Rates as low as 8.99% APR*
As Low As; Credit line: $5,000.00 to $20,000.00. Direct Deposit required and must have a credit score of 680 or above to qualify.
Published APR range: 8.99% - 17.99%.
No additional details provided.
Term: Revolving line of credit
- Sep 18, 20268.99%▲ from 8.74%
- Sep 14, 20268.74%first recorded
No additional details provided.
As Low As; Minimum Payment: $25
Introductory variable rate that adjust to the prime interest rate plus a rate margin after the introductory period. 25 day grace period on purchases.
As low as
Start Banking
Published APR range: 8.99%-11.50%.
And that's not a promotional rate... that's our every day rate! No annual fee. No cash advance transaction fee. Mobile payment capabilities with Apple Pay, Samsung Pay and Google Pay. Fast application process. Local payments and service OR easy online account management through eZCard. Secure online purchase with Verified by Visa. Additional security with VISA purchase alerts.
Intro rate expires: 12 months; Regular APR: 8.99%-17.99%
As low as
credit limits from $5,000 to $10,000
as low as...
Low Interest Credit Card APR Trend
Daily national average APR compiled from 45 banks & credit unions — updated daily.
APRs rose 0.039 pts to 11.11%, up from 11.07% last week.
Averages from 56 APR quotes across 45 institutions • As of Oct 13, 2026
What Is a Low Interest Credit Card?
A low interest credit card is designed for cardholders who carry a balance from month to month. Rather than maximizing rewards, these cards prioritize a low ongoing Annual Percentage Rate (APR) to minimize the cost of carried debt.
Credit unions are consistently among the best sources for low-APR credit cards. Federal credit union cards are capped at 18% APR by law, and many state-chartered credit unions offer rates well below the national bank average.
When evaluating a low interest card, compare the ongoing purchase APR, any balance transfer APR, the penalty APR for late payments, and annual fees. MonitorBankRates displays Safety Grades and financial health metrics alongside rate data so you can evaluate the institution as well as the card.
Methodology & Data Sources
Direct-Sourced & Verified Rate Data: We aggregate low interest credit card APRs nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology. By pulling data straight from institutions’ own digital properties and manually verifying rates daily, every APR on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems monitor 8,500+ banks and credit unions across all 50 states. Because low-rate card availability varies significantly by institution and location, using the state filter is highly recommended to surface the best options in your area.
Daily Updates & Time-Stamped Accuracy: Our rate team verifies and updates credit card APRs daily. Every product listed features its own specific “last updated” date for full transparency. Lower-APR cards are especially worth checking regularly as rates shift with the federal funds rate.
Proprietary Institution Health & Safety Grades: MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective FDIC and NCUA regulatory data — including the Texas Ratio — ensuring you choose financially secure institutions.
Frequently Asked Questions about Low Interest Credit Cards
What is a low interest credit card?
What is considered a good credit card APR?
Does the APR matter if I pay in full each month?
Are credit union credit cards worth it?
Fixed vs. variable APR credit cards?
Top Low Interest Credit Cards Today
- Northeastern Operating Engineers Federal Credit Union: 3.99% APR (Visa Credit Card)
- Pinnacle Federal Credit Union: 4.24% APR (Premier Rate Mastercard)
- Pinnacle Federal Credit Union: 4.49% APR (Premier Rate Mastercard)
- Pinnacle Federal Credit Union: 4.74% APR (Premier Rate Mastercard)
- North Memorial Federal Credit Union: 4.90% APR (VISA Lifestyle)
More Credit Card Options
