Best Low Interest Credit Cards — August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Finance Calculators
Top low interest credit cards currently available include: Guardian Credit Union Montgomery, ALGuardian Credit Union Montgomery, AL9411 AL Highway 22, Wetumpka, AL, 36750 3264A5.0 ★Texas Ratio: 10.26%'s Secure Credit Card has an APR of 1.99%, StagePoint Federal Credit UnionStagePoint Federal Credit Union3905 E Grand Ave Ste 100, Laramie, WY, 82072A+5.0 ★Texas Ratio: 1.54%'s Visa Credit Cards has an APR of 1.99%, Gain Federal Credit UnionGain Federal Credit Union1800 W Magnolia Blvd, San Fernando, CA, 91506 1726A+5.0 ★Texas Ratio: 2.03%'s Platinum Rewards Mastercard has an APR of 1.99%, West Aircomm Federal Credit UnionWest Aircomm Federal Credit Union989 Beaver Grade Rd, Moon Twp, PA, 16037A5.0 ★Texas Ratio: 11.51%'s Visa Platinum Credit Card has an APR of 1.99%, and VAPR Federal Credit UnionVAPR Federal Credit UnionStreet 54, San Juan, PR, 00969A+5.0 ★Texas Ratio: 0.81%'s Mastercard has an APR of 1.99%. Rates as of August 28, 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: August 28, 2026
Compare Low Interest Credit Card Rates Nationwide
Monthly Participation Fee - $10 applied to the card balance
Intro rate expires: 12 months; Regular APR: 6.74% APR and 18% APR
Intro rate expires: 6 billing cycles; Regular APR: 12.25% - 17.50%
Intro rate expires: 12 billing cycles; Regular APR: 1.99% - 29.99%
Oferta en cuentas nuevas, primeros seis meses, va?lida hasta el 30/9/26
Introductory rate is effective for the first six billing cycles for purchases and balance transfers. After the introductory period expires, or if you do not qualify for an introductory rate, your standard APR will range from 10.49% to 17.99%*. This is a variable rate. Rewards: . Annual Fee: $0
Introductory rate is effective for the first six billing cycles for purchases and balance transfers. After the introductory period expires, or if you do not qualify for an introductory rate, your standard APR will range from 10.49% to 17.99%*. This is a variable rate. Rewards: . Annual Fee: $0
Introductory rate is effective for the first six billing cycles for purchases and balance transfers. After the introductory period expires, or if you do not qualify for an introductory rate, your standard APR will range from 14.74% to 17.99%*. This is a variable rate. Rewards: 1 point per $1 spent. Annual Fee: $0
Introductory rate for balance transfers
Intro rate expires: 12 months; Regular APR: N/A
As low as**; APR accurate as of 3/20/2023 and is subject to change without notice. 1.99% Intro APR for is a promotional term for qualified applicants only. Some applicants may be offered credit at a higher APR and different terms. After six (6) statement cycles, Intro APR adjusts to Non-Variable APR, with a minimum of 9.49% and a maximum of 16.49%, based on your creditworthiness. Free Visa® Rewards are from UChoose Rewards®, free registration required to redeem points. Member conditions apply. Share Account with minimum $5 balance required.
Intro rate expires: 12 months; Regular APR: Prime +10.5% interest rate with a cap of 18%.
Intro rate expires: 12 months; Regular APR: Prime Rate + 5.74% - 15.74%
Intro rate expires: 180 days; Regular APR: 19.99% - 29.99%. Earn 10,000 Bonus Points for Spending $1,500 in First 90 days! No Annual Fee! Convert Points to Cash Back & More High Credit Limits Available Get Purchase Security Benefits Provides Auto Rental Insurance
Credit Cards as low as 1.99 % APR
Intro rate expires: 6 months; Regular APR: 13.90%
Intro rate expires: 6 months; Regular APR: 18.00% (variable, based on WSJ Prime Rate); Balance transfer fee will be at $30.00 or 3.00% of the amount of each balance transfer, whichever is greater. Cash advance fee is $10 or 3.00% of the amount of each cash advance, whichever is greater. Late and returned payment fee: up to $35. A Foreign Transaction fee of 2.00% will be applied in US Dollars to each transaction conducted outside of the United States.
Intro rate: 1.99% intro APR3
Introductory APR for the first year; thereafter, 11.40% to 18.00% variable APR. Earn 1.5% Cashback every $1 spent. Spend $1,000 in the first 90 days and earn 15,000 points = $150.
Balance Transfer Special; Intro rate expires: 12 months; Regular APR: 7.99% - 17.99%
Intro rate expires: 12 months; Regular APR: 7.99% - 17.99% depending on your Visa Account Terms. Special offer valid through 6/30/26. No balance transfer fee. Balance transfers are subject to available credit.
Intro rate expires: 18 billing cycles; Regular APR: Prime Rate plus a margin which is determined by your credit worthiness. Rate is subject to change without notice. All approvals are subject to normal underwriting guidelines.
Intro Rate
Bring Us Your Balance
As Low As; Rate subject to change based on market conditions and borrower eligibility. Qualifying LESFCU criteria applies for all loans. Maximum qualifying term may vary based on year of collateral and other criteria. Certain restrictions and other qualifications may exist. Membership eligibility is required. Check with a LESFCU representative for full details.
Intro rate expires: 6 months; Regular APR: Prime +6.99%
Introductory rate; Excellent rewards program
Intro rate expires: 6 billing cycles; Regular APR: 14.90% APR *This APR will vary with the market based on the Prime Rate.
Intro rate expires: 6 months; Regular APR: See Credit Card Addendum
Intro rate expires: 6 months; Regular APR: See Credit Card Addendum
Intro rate expires: 6 months; Regular APR: Variable with the market based on the Prime Rate, based on your credit score
Regular APR: 11.45% - 17.95%
Intro rate expires: 12 months; Regular APR: 9.95% to 15.95% APR. Cash advance rates: 12.00% to 18.00% APR. Balance transfers and purchases will accrue interest at your approved Intro rate for twelve billing cycles from the Visa® open date. Any existing balances on ILWU Credit Union loan and/or credit card accounts are not eligible for the Introductory APR for balance transfers. Rates subject to change. See Visa Application & Solicitation Disclosure for complete details.
Regular APR: 9.95% - 15.95%
Intro rate for purchases and balance transfers made within the first 60 days of account opening. After 60 days, APR defaults to 11.49% - 17.99%. No annual fee. No foreign transaction fees.
Intro rate expires: 12 months; Regular APR: 14.96%; Installment Payments Rate: 5.99%
Intro rate expires: 12 months; Regular APR: 13.96% - 18.00%; Installment Payments Rate Base: 5.99%; Installment Payments Rate Tier 1: 7.99%; Installment Payments Rate Tier 2: 9.99%
Intro rate for the first 12 billing cycles. Installment Payments Rate 5.99%. Regular APR: 14.96%
Intro rate for 12 billing cycles. Installment Payments Rate Base - 5.99%, Tier 1 - 7.99%, Tier 2 - 9.99%. Regular APR: Base - 13.96%, Tier 1 - 16.96%, Tier 2 - 18.00%
Intro rate expires: 6 months; Regular APR: 7.99%-15.74%. Never any annual, cash advance, or balance transfer fees. Earn rewards on all of your purchases.
Regular APR: 13.49%; Intro rate expires: 6 months
Introductory rate for first 6 billing cycles; Regular APR: 11.75%
Introductory Rate
Introductory Fixed Rate; Regular APR: 12.40% - 18.00% VARIABLE RATE; Earn 1% Cash Back every year! Cash Back earned throughout the year will automatically be credited to your statement, monthly. For the first six months after opening, receive an additional 4% Cash Back based on the first $7,500 in monthly eligible net purchases.
Intro rate applies to transactions in the first 90 days.
Intro rate expires: 12 months; Regular APR: Prime Rate + 7.74% APR to 17.74% APR thereafter
Intro rate expires: 12 months; Regular APR: 11.15% VAPR
Intro rate expires: 6-Mo.; Regular APR: N/A
Intro rate expires: 12 months; Regular APR: 12.40%-21.00% variable APR+
Intro rate expires: six billing cycles; Regular APR: 9.99%.**
Intro rate expires: 6 months
No additional details provided.
Introductory Rate. Fixed Rate. No Annual Fee. No Cash Advance Fee. Accepted anywhere with Visa logo. Qualification is based on individual creditworthiness and our underwriting standards. Rates, terms and conditions are subject to change at any time without notice.
Introductory Rate Fixed Rate No Annual Fee No Cash Advance Fee Accepted anywhere with Visa logo *Qualification is based on individual creditworthiness and our underwriting standards. Rates, terms and conditions are subject to change at any time without notice.
Intro rate expires: 12 months; Regular APR: 12.92%*
Prime +1.00%*
Intro rate expires: 12 billing cycles; Regular APR: N/A; No balance transfer fees
Intro rate expires: 12 months; Regular APR: 10.9%**; Balance transfer rate of 2.99% for 12 billing cycles from date of transfer. Fixed rate APR.
no balance transfer fee*
Special Intro Rate*; Regular APR: Varies
No annual fees; No balance transfer fees; Reward points with every transaction - redeem for gift cards, merchandise, and travel; 24/7 fraud protection; 25-day interest-free grace period - take your time to pay for new purchases without paying interest for 25 days!; Travel accident insurance when you pay for travel with your card
Cash Advances
Double rewards from July through August, 3% APR cashback on everyday purchases when you use your HCU VISA Rewards card. Offer valid on new purchases made between 7/1/2026 and 8/31/2026. New purchases exclude balance transfers, cash advances, and fees. Cashback earned after month close. Eligibility and qualifying transactions subject to terms and conditions. Subject to credit approval. Annual Percentage Yield.
Intro rate expires: 6-month intro; Regular APR: 10.5%
Introductory APR*; Regular APR: 11.45%
Introductory rate for 12 months. Bonus points offer.
Share Secured
Introductory rates as low as 3.90%*; Regular APR: 8.90%
Introductory rates as low as 3.90%*; Regular APR: 10.90%
balance transfer
Intro rate expires: 12 months; Regular APR: 13.40%-21.00% variable APR+ | Rate stated as: 3.90% intro rate for first 12 months^ then 13.40%-21.00% variable APR+
Introductory APR: 0% for the first 12 months. Balance transfer fee: 3% of the amount of each balance transfer. Transfer rate does not apply to existing ACU balances or convenience checks and must be $100 or more to qualify. Regular APR: 10.65%-19.65% variable APR after introductory period.
Intro rate expires: 12 months; Regular APR: 11.49% to 18.00%
Intro rate expires: 12 months; Regular APR: Prime + 7.00%; No annual fee
Intro rate expires: 12 months; Regular APR: reverts to regular credit card rate
As low as
Introductory Rate for Six Months; Regular APR: 8.99%
Annual Percentage Rates as low as...
Regular APR: 13.49%
No additional details provided.
No additional details provided.
Introductory rate; Fixed after six months: 7.99%
Intro rate expires: 12 months; Regular APR: **
Intro rate expires: 12 months; Regular APR: 19.99% - 29.99%
Intro rate expires: 12 months; Regular APR: 19.99% - 29.99%
Intro Rate for 12 months; Disclosure
Intro rate expires: 12 months; Regular APR: Prime Rate + 9.74% APR to 19.74% APR thereafter
Intro rate expires: 6 months; Regular APR: 12.75%
Intro rate expires: 18 months; Regular APR: 12.00% - 22.50%
Intro rate expires: 18 months; Regular APR: 13.50% - 22.50%
Introductory Rate as low as 3.99% APR* for purchases and balance transfers for 12 billing cycles based on credit criteria. Variable APR* after introductory period is 14.25% to 22.25% variable APR, based on creditworthiness. 1% Cash Back on All Purchases. No annual fee. Contactless payment.
Introductory Rate as low as 3.99% APR* for purchases and balance transfers for 12 billing cycles based on credit criteria. Variable APR* after introductory period is 12.25% to 20.25% variable APR, based on creditworthiness. No annual fee. Single points on purchases: $1 = 1 point.
Introductory Rate as low as 3.99% APR* for purchases and balance transfers for 12 billing cycles based on credit criteria. Variable APR* after introductory period is 12.25% to 16.25% variable APR, based on credit. Double points on air, hotel, restaurants, and car rental. Waived foreign transaction fees and international service assessments. Trip cancellation/interruption protection. Travel Assistance 24/7 travel advisor. Baggage delay reimbursement. Mastercard airport concierge. Identity theft resolution services. Price protection. $49 annual fee waived with $10,000 in annual spend (waived the first year), or use your points to pay for the annual fee.
Intro rate for 12 months! Regular APR: 6.99%
As Low As
As Low As; Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Introductory rate of 3.99% APR for nine (9) months on Purchases and Balance Transfers. Loan amount up to $1,000.
Intro rate expires: 12 months; Regular APR: 15.76%; Variable Rate information for VISA Platinum purchases and cash advances may vary. The APR will vary with the market based on the preceding 4 week average of the 26 Week Treasury Bill plus a margin of 15.76% Credit limits range from $2,500 to $25,000 based on the credit worthiness of the applicant(s). Method of Computing Balances for Purchases: Average Daily Balance including new purchases. Grace Period: You have 25 days after the close of a billing cycle to replay your balance for purchases before a finance charge will be imposed. Finance charges begin to accrue immediately for cash advances. This is a variable rate loan.
Intro rate; Regular APR: 10.99%
Intro rate expires: 6 months
Share Secured
from; Approval based on credit worthiness. Membership eligibility required.
Intro rate expires: 12 months; Regular APR: 12.65% - 18.00%
As Low As
Determined by account funds
As low as
Share Secured
0.00% APR* Introductory Rate on Purchases for 6 Months; Introductory Rate on Balance Transfers for 6 Months: 4.50%; Standard Fixed Rates: 8.90% to 18.00% APR; $0 Annual Fee; $0 Balance Transfer Fee
Introductory Rate on Purchases for 6 Months: 0.00%; Introductory Rate on Balance Transfers for 6 Months: 4.50%; Regular APR: 8.90% to 18.00%; No annual fee; No balance transfer fee
Rates as of 08/26/2026. Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual Annual Percentage Rate (APR) may vary based on the applicant's credit history and underwriting criteria.
As Low As
Intro rate expires: 6 months; Regular APR: 9.65% to 17.90%
Secure and Credit Builder Options Available Great Introductory Rates
Intro rate expires: 6 billing cycles; Regular APR: 9.90% or 14.90%
Rewards Card (as low as) With Rewards 8.90% No Rewards 7.90% Balance transfer (as low as) With Rewards 5.90% No Rewards 4.90% As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice. See VISA Credit Card Application Disclosure and Agreement for details
Annual Percentage Rate (as low as)
Intro rate expires: 1 year; Regular APR: 8.9%
Introductory Annual Percentage Rate (APR*) for Purchases
No additional details provided.
Intro rate expires: 12 months; Regular APR: Variable with the market based on the Prime Rate, based on your credit score
Intro rate expires: 12 months
Fixed rate; Credit limit up to $5,000; Ages 13-23; Changes to a Visa Classic® at age 24; Approval is dependent on credit and underwriting factors. Terms, conditions and restrictions may apply and are subject to change.
No additional details provided.
Introductory rate for first 90 days! A straightforward credit card with a low rate No Annual Fee. Regular APR: 19.99% - 29.99%
Introductory rate for first 90 days! Earn Rewards while you shop! 3.00% cash back on Travel ‡ 2.00% cash back on Dining and Gas ‡ 1.00% everything else Easily redeem your rewards via the CashBack+ section in your Digital Banking account No Annual Fee. Regular APR: 19.99% - 29.99%
As Low As
Fixed rate for the full repayment of the transferred amount.
Intro rate expires: 12 billings cycles; Regular APR: 13.40% APR - 18% APR based on your credit score
Regular APR: 12.90%
Intro rate offer as low as
Regular APR: 9.90% APR
Intro rate expires: life of the transfer balance; Regular APR: 9.90%
Rate for the life of the transfer balance. New purchases or advances using your Central Maine Federal Credit Union card would be at a low 9.90% APR.
Introductory APR for first 6 months. After that, 4.95% up to 17.90% based on your creditworthiness when you open your account. This APR* will vary with the market based on the Prime Rate. Regular APR: 4.95% up to 17.90%
Introductory APR for first 6 months. After that, 4.95% up to 17.90% based on your creditworthiness when you open your account. This APR* will vary with the market based on the Prime Rate. Regular APR: 4.95% up to 17.90%
$5,000 - $30,000; Intro rate expires: 90 days; Regular APR: Prime Rate + 6.65% (as of 07/31/2026: 13.40%); Variable APR; The APR will not exceed 18.00%.
Intro rate expires: 90 days; Regular APR: Prime Rate + 11.75% (as of 07/31/2026: 18.50%); Variable APR; The APR will not exceed 18.00%.
No additional details provided.
No additional details provided.
No additional details provided.
Introductory rate; Balance transfers available with no fee and introductory rate of 1.99% APR* for 12 months
Intro rate expires: 6 months; Regular APR: 8.99%; No annual fees; No balance transfer fees
Intro rate expires: 6 months; Regular APR: standard variable APR will apply, based on your creditworthiness and the terms of your account agreement; The maximum credit amount is $25,000, and cash advance fees do apply. Some other fees may apply. Contact the Credit Union for additional information and a full copy of our Visa disclosure.
No additional details provided.
Introductory APR on purchases in the first 6 months.
Introductory APR on purchases in the first 6 months. Regular APR: 4.99% (purchases).
Introductory APR on purchases in the first 6 months. Regular APR: 4.99% (purchases).
No additional details provided.
Intro rate expires: 12 months; Regular APR: 7.99% - 14.99%. *APR = Annual Percentage Rate. Annual Percentage Rates current as of date listed above and are subject to change. Rates may vary based on credit history, term, and collateral.
Intro rate expires: 9 months; Regular APR: N/A
Intro rate expires: 12 months; Regular APR: 14.40%-21.00% variable APR+
Introductory rate
Intro rate expires: 6 months
Intro rate expires: 6 months; Regular APR: 13.99% - 36.00% APR
Introductory APR for Purchases; Balance transfers 12 months; APR range 11.49% - 20.74% after introductory period; $500 minimum credit limit
Introductory APR for Purchases; Balance transfers 12 months; APR range 13.49% - 20.49% after introductory period; $5,000 minimum credit limit
As Low As; Special rates on Visa Cards from June 1st through August 31st, 2026.
Share Secured
Intro rate expires: 6 months; Regular APR: 9.00%*
Regular APR: 18.0%; Balance transfer fee: 3.0% on the transfer amount
As Low As; Rates quoted are based on approved credit.
Intro rate expires: 24 months; Regular APR: WSJ Prime =6.75%
No additional details provided.
Intro rate expires: 12 months; Regular APR: Prime minus 0.50% as published in the Wall Street Journal 30 days before the date of any rate adjustment. As of 04/01/2026 Prime Rate was 6.75%. Interest rate and line amount determined by individual creditworthiness and subject to loan-to-value ratio of 80%. Offer limited to 1-4 family owner-occupied primary residence properties only. Property insurance (and flood insurance if applicable) required. Offer and rate is subject to change at any time without notice. Other terms and restrictions may apply. APR will not exceed 18% with a minimum APR of 3.50%. Existing GCU home equity lines/loans are not eligible for refinance with this promotion. Advertised APRs are the lowest available. Interest rate will be determined by individual creditworthiness. An additional 0.25% discount is available for automatic payment from a Greenwood Credit Union checking account.
The standard variable APR is U.S. Prime plus 5.75% - 17.95% based on creditworthiness. Rates are variable and subject to change at any time at Union Square Credit Union's discretion. Annual Percentage Rate (APR) may change at any time as determined by Union Square Credit Union Board of Directors. Rates reflect a low to high range based on loan term. Lower rates in each range apply to well qualified applicants. Normal credit criteria apply to all applicants. Credit history is one criterion upon which rates are based.
No additional details provided.
As Low As
Rewards Card (as low as) With Rewards 8.90% No Rewards 7.90% Balance transfer (as low as) With Rewards 5.90% No Rewards 4.90% As of 11/27/24. Quoted rates are based on credit worthiness, qualifications and collateral conditions. All loans subject to approval. Your actual APR may vary. Rates are current as of the date posted and are subject to change without notice. See VISA Credit Card Application Disclosure and Agreement for details
Annual Percentage Rate (as low as)
Balance transfer rate
Balance transfer special - 9 months 5.90% APR New account special - 6 months Offer available from July 1, 2026 - September 30, 2026.
Balance Transfer Offer. After the intro period, the rate will convert to our standard variable APR. Kinecta APRs won't exceed 18%. Regular APR: 19.99% - 29.99% (variable). Cash Advance Fee is 3.00% of the amount of each cash advance or $10, whichever is greater; No Foreign Transaction Fees. Late Payment is up to $30; Returned Payment is up to $25. If you are charged interest, the charge will be no less than $1.00.
Finance charges imposed beginning on day of cash advance.
Intro rate expires: 6 months; Regular APR: 11.25%
Intro rate expires: 6 months; Regular APR: 11.90% APR or 13.90% APR. Your individual rate (APR) will be determined based on your credit score. Subject to credit approval. The method to compute the balance for purchases is average daily balance. Additional limitations, terms and conditions apply, see Credit Card Disclosure.
Intro rate expires: 6 months; Regular APR: 11.90% APR or 13.90% APR. Your individual rate (APR) will be determined based on your credit score. Subject to credit approval. The method to compute the balance for purchases is average daily balance. Additional limitations, terms and conditions apply, see Credit Card Disclosure.
RATES AS LOW AS 5.99%
As Low As
Standard
Intro rate expires: 12 months; Regular APR: 6.99%
Intro rate expires: 12 months; Regular APR: 6.99%
Rate based on credit worthiness and subject to change
As low as; *
No additional details provided.
+2.00% above Share Savings Dividend Rate*
Minimum line of credit is $5,000; Earn 2 rewards points for every dollar you spend!
Intro rate expires: 6 months; Regular APR: 11.00%*
Rates range from 6.00% to 11.50%
Regular APR: 6.0%
Intro rate expires: 12 months; Regular APR: 14.65%
Intro rate expires: 12 months; Regular APR: 10.65%
Annual Percentage Rate (APR). APR is based on your creditworthiness. The rate is subject to change quarterly based on the Prime Rate as published in the Wall Street Journal plus a margin of 6.4%-14.5%
Transaction must post between 7/1/26 - 9/30/26. Will Revert to normal rate 10/1/2027.
As Low As; Regular APR:
Rates as of 08/26/2026. Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual APR may vary based on the applicant's credit history and underwriting criteria.
No additional details provided.
No additional details provided.
No annual fee; No balance transfer fee; Same low rate for purchases, cash advances, and balance transfers; $5,000 maximum credit limit. Your credit limit will be determined based on creditworthiness and other factors.
No additional details provided.
As Low As; Please contact one of our friendly Member Service Representatives for more details. We calculate the interest you pay on loans based on your unpaid principal balance for the actual number of days you use the funds. There are no prepayment penalties or hidden charges. Your interest rate will be determined by your individual credit history and the credit union's underwriting standards. We offer a 0.25% rate discount on new and used vehicle loans when 20% cash down is made (the First-Time Buyer program is exempt from the discount).
Equals Prime Rate
Variable Rate
Introductory APR: 1.99% for 12 months; Regular APR: 6.75%
Intro rate expires: six months; Regular APR: 8.75%*
As Low As; VIP Auto Loans
No additional details provided.
Introductory rate; After six month introductory period your APR will be 16.90%
purchase and cash advance APR
50% Lower than the national average
Annual fee $0.00; Credit line $5,000.00 to $25,000.00; Due date At least 21+ days after billing cycle close; Late payment fee Up to $20; Over the credit limit fee $0.00; Foreign transaction fee 1% of each transaction in U.S. dollars; Balance transfer fee $0.00; Cash advance fee $0.00; Rewards program No
Annual Percentage Rate (APR). APR is based on your creditworthiness and will vary with the market based on the Prime Rate. The minimum rate is 6.90%. No Annual Fee. Free Balance Transfers. A 25 day grace period. The rate is subject to change quarterly based on the Prime Rate as published in the Wall Street Journal plus a margin of 3.4% - 14.5%
Intro rate expires: 12 months; Regular APR: 17.9%; Fixed interest rates as low as 6.9%; No annual fee, cash advance fee or balance transfer fee; Fully manage your account within OFCU's digital banking (online or app); Our Visa is contactless (Opens in a new Window) and all account information, including your name, is on the back of the card; 24/7 fraud monitoring (phone, text and email); Visa Zero Liability means you're not held responsible for unauthorized purchases; Use this calculator (Opens in a new Window) to see how much difference a lower interest rate makes!
As Low As
As Low As
Rates Start at 6.9% APR, Based on Credit Score; No annual fees, no balance transfer fees and no cash advance fees. Score Card Rewards program.
Rates Start at 6.9% APR, Based on Credit Score; No annual fees, no balance transfer fees and no cash advance fees. Score Card Rewards program.
No additional details provided.
Intro rate expires: Six-month introductory; Regular APR: Rates are subject to change at any time without notice. After 6 months the balance and new purchase rate will convert to the rate, based on their score at application. See the Visa Credit Card Disclosure.
No additional details provided.
OAC; Periodic Low-rate Balance Transfer specials; NO ANNUAL FEE
No additional details provided.
Intro rate expires: 6 months; Regular APR: 6.90% or up to 16.99% based on credit score
Fixed, based on creditworthiness; Regular APR: 6.9%**-12.90%
No additional details provided.
No additional details provided.
Helps establish or rebuild your credit. Low fixed rate. All the same great benefits as a Platinum Mastercard! Limit up to $25,000.
Receive a rate as low as 6.90% APR*, along with a spending limit that reflects your credit history. With no annual fee, this card costs nothing to keep around. Easily access your credit line when you need. Up to $500 per day. Save by transferring balances from your high-rate card to your GCCU VISA® Credit Card. Conveniently access your account 24/7. Make payments and more at DX Online.
Intro rate expires: 12 months; Regular APR: 13.90% (Classic), 12.90% (Share Secured), or 11.80% (Platinum)
As low as; Loan-to-Value: ; Regular APR: Your individual rate (APR) will be determined based on your credit score. (Subject to credit approval and other conditions).
No additional details provided.
No additional details provided.
As Low As
As Low As
Intro rate expires: 6 months; Regular APR: 19.99% - 29.99%
Regular APR: 6.90% to 18.00%
No additional details provided.
As Low as
As Low as
As Low As
As Low As
based on creditworthiness
based on creditworthiness
Fixed 6.99% APR for purchases, 25-day Grace Period for purchases. No annual fee. Limit determined by loan officer/loan committee. Please see your Secured VISA® disclosure or call (330) 825-2455 for more information.
Limits: Up to $1,000
No annual fee, up to 25 day grace period.
Regular APR
All Rates above reflect a 0.50% discount for Automatic Payment established; Rates are subject to change without notice; Rates are listed as effective 01/01/2026; As Low As
As Low As
No additional details provided.
Transfer the balances of your existing high interest credit cards.
Introductory rate; Regular APR: Varies based on creditworthiness
No additional details provided.
No Fees
Intro rate expires: 9 months; Regular APR: N/A
max. loan amount $20,000
max. loan amount $20,000
As low as*
No additional details provided.
As low as
No additional details provided.
Rate based on credit-worthiness; You set your own credit limit with a deposit to your SouthPoint FCU Regular Savings account.
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
May qualify for up to two times gross monthly income.
As Low As; Refresh your ride.
No Annual Fee. Spending Flexibility with Fraud Protection. Local Service at your nearest MCCU branch. Free Online Banking and Free Access to Fraud & Spend Tracking through card management tool within Mobile Banking.
Fixed Rate; No Annual Fee; No extra fees or charges for balance transfers; uChoose Rewards (including CASH BACK*); Contactless Payments
No additional details provided.
As Low As
A Visa Credit Card with a $10,000 limit at 7.50% would have a monthly payment of $300. This assumes the full credit line has been used.
As Low As*
No additional details provided.
$7,500 Maximum; NO Annual Fee; NO Minimum Finance Charge; 25 Day Grace Period; Late Payment Fee: $10.00; Over the Limit Fee: $10.00
No Annual Fee
No additional details provided.
No additional details provided.
Rates as low as 7.5%, depending on credit.
No additional details provided.
Intro rate expires: N/A; Regular APR: 7.50%
Determined by the amount member designates to be secured from the savings or certificate account
Purchases; Penalty:
As low as 7.74%. Free yourself from the hassle of writing checks or carrying cash with a Sierra Central Business VISA. 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. BUSINESS VISA $5,000 - $50,000. Internationally recognized for small business.
As low as 7.74%. 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.
As low as 7.74%. Earn points for your purchases that can be used for cash back, Amazon, and so much more! Added VISA benefits such as Travel Accident Insurance, Travel and Emergency Assistance, and more. Competitive Rates. No Cost Balance Transfer. Tap-to-Pay. No Annual Fee. The best part of spending with this Credit card is all the rewards. Whether you're shopping online or in person, you earn and there is no limit to the amount of points that can be earned. Rewards to choose from: Cash Back, Amazon Pay w/ points, Paypal Gift Cards, Travel, Merchandise and more! Credit lines from $1,000 to $25,000. 25 day grace period on purchases. Low introductory rates.
As low as 7.74%. With our Premier card you have a low-rate credit card with worldwide acceptance. Added VISA benefits such as Travel Accident Insurance, Travel and Emergency Assistance, and more. Introductory rate for the first 6 payment cycles. Low variable rate that adjusts to prime interest rate plus "as low as" 4.99% after the introductory rate period. Credit lines from $1,000 to $25,000. 25 day grace period on purchases. Low introductory rates.
As low as 7.74%. 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.
No additional details provided.
No additional details provided.
Present rate - variable rate subject to change semi annually at prime + 1.00%
Intro rate expires: 12 months; Regular APR: 7.75% to 9.75%
Introductory APR: 1.99% for 12 months; Regular APR: 7.75%
Introductory APR: 1.99% for 12 months; Regular APR: 7.75%
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*. 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.
Signature Loan and VISA limit combinations cannot exceed $25,000.00
As Low As
Funds will be held in share account
6
Actual rate will be determined by your Experian FICO 2 Credit Score.
Interest only; Held until loan is paid off
No additional details provided.
No additional details provided.
Rates as low as 7.9%*
Rates Subject to Creditworthiness. Membership is required. Fixed Interest Rate (Purchases and Cash Advances) NO Annual Fee NO Minimum Finance Charge NO Hidden Fees
No additional details provided.
No additional details provided.
No additional details provided.
Fixed if shared secured. Credit Card Details
rates as low as
No additional details provided.
No additional details provided.
Intro rate expires: 12 months; Regular APR: 9.90%
No additional details provided.
No Annual Fees, No Balance Transfer Fees, No Cash Advance Fees
No additional details provided.
As Low As
No additional details provided.
Rate as low as
Fixed rate; No introductory rate or annual fees; Monthly minimum payment is only 2% of the outstanding balance; Maximum credit card amount offered is $20,000
A+ APR*
Rates below are based on a credit score of 730 or higher. Lower rates may apply for terms less than 60 months.
As Low As
As low as
Earn REWARDS on your purchases with choices from 1% cash back, gift cards, merchandise, and more.
Intro rate expires: 12 months; Regular APR: 9.90%
No additional details provided.
As Low As
As Low As; Borrow up to $40,000.00 for personal needs
for credit scores of 700 or more
Credit card purchases and cash advances are the same rate.
determined by credit worthiness
As Low As; No annual fees; No Balance transfer fees
$500-$7500; FIXED
Fixed rates starting at 7.90%
No annual fees; Limits ranging from $500 to $7500; Low minimum payment of 3%
Intro rate as low as 3.90% for 6 months
No additional details provided.
Non-Variable Rate dependent on your creditworthiness
as low as; no annual fees
As Low As
No annual fees, no fees for cash advances, and a rewards program that pays you for every dollar you spend! ScoreCard Rewards: Earn one point for every dollar spent on qualifying purchases. Points never expire. Regular APR: Call for Details
No annual fees. Intro rate for 6 months on transfers. Cash back rewards.
Based on Credit Score
As Low As
Required $2,000 minimum limit
As Low As
No additional details provided.
As Low As; No annual fee; Use the MyGeorgia Credit Card for all purchases and enjoy your rewards. Click here for more details and to view rewards. Daily limit processing amounts up to your available credit with a maximum amount of $6,500
As Low As; No annual fee; Use the MyGeorgia Credit Card for all purchases and enjoy your rewards. Click here for more details and to view rewards. Daily limit processing amounts up to your available credit with a maximum amount of $6,500
As Low As; Credit card limit is secured by savings deposit to help member re-establish credit. No annual fee; Use the MyGeorgia Credit Card for all purchases and enjoy your rewards. Click here for more details and to view rewards. Daily limit processing amounts up to your available credit with a maximum amount of $6,500
As Low As
As Low As; No Balance Transfer Fees; No Annual Fees
DEPENDING ON YOUR CREDIT YOU CAN GET AS LOW AS 7.9%
As Low As
No additional details provided.
Foreign Transaction Fee: 1.00%* of each transaction in U.S. dollars; Late Payment Fee: $25.00 **
As Low As
As low as
As Low As; based on credit rating
No Annual Fee; Preferred rate is with a FICO score of 720 or above.
Score: A+, A, B
Regular APR: 7.99% - 16.99% (Balance Transfers); 9.99% - 17.99% (Cash Advances); Annual Fee:
Regular APR
0% APR intro rate for 6 months on purchases and balance transfers valid for new cardholders only. After the intro rate expires, the standard rate will be between 7.99% and 18.00% APR based on creditworthiness. ** Platinum Rewards MasterCard subject to an annual fee of $35.00. *** Member's balance in savings must exceed credit card limit by $100.00.
As Low As; Repayment is 2% of the balance owed A 25-day grace period on all purchases
No additional details provided.
As low as
As low as 7.99%
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); Annual Fee: ; Minimum Finance Charge: ; Transaction Fee for Purchases: ; Late Payment Fee: $20.00; Over-the-Limit Fee:
Annual Fee: $0.00
Contact us for the Visa Credit Card Disclosure
No additional details provided.
No additional details provided.
No Annual Fee, No Balance Transfer Fee, Same Low Rate on Cash Advances
Special Promotional Balance Transfer Rate. No balance transfer fee. The promotional rate remains fixed until the transferred balance is fully paid off. See CU for details. Non-variable rate, no annual fee.
Special rate on new purchases
Intro rate expires: First Six Months; Regular APR: 7.99%
Rates based on credit history. Limited-time offer. After the 12 month introductory rate, the transfer rate will revert to the normal card rate as low as 7.99% APR. Rates subject to change. Minimum interest charge is $1.00. Foreign Transaction Fee (Finance Charge) is 1% of each transaction amount.
No additional details provided.
As Low As
No additional details provided.
Rates are subject to change. Please contact Financial Partners Credit Union for current rate and eligibility details.
As Low As;*
No Annual Fee
As Low As; *APR = Annual Percentage Rate. Annual Percentage Rates current as of date listed above and are subject to change. Rates may vary based on credit history, term, and collateral.
Rates as Low as; No Annual Fee Many convenient ways to pay. Score Card Rewards
No additional details provided.
No additional details provided.
As low as
Regular APR: 7.99%*
No additional details provided.
Purchase Rate as low as 7.99%; Regular APR: 7.99% - 17.99%
Rate as low as 7.99%. Regular APR: 7.99% - 17.99% depending on your credit score. No annual fee. Grace period of 25 days on purchases.
No additional details provided.
No additional details provided.
No additional details provided.
No Annual Fee/No Cash Advance Fee; Plus Earn Rewards Points; Regular APR: 7.99%
No additional details provided.
As Low As
Wall Street Journal Prime Rate Plus 1.00%
As low as; Variable rate accounts. All rates are subject to change. Rate is based on an evaluation of an applicants credit.
APR as low as 8.00%
No additional details provided.
+2.00% above Share Savings Dividend Rate*
Minimum $25 Monthly or 3% of Balance
To qualify for the Visa Premium account you must have an Equifax credit score of 660 or better and must have no more than 1 previous slow pay account. Your due date is 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Apply Now Learn More
Regular APR: 8.0%
Rate with Maximum Discount*: 7.75% | Credit score 650 or >
Regular APR: 8.00%
No annual fee; Fixed rates; 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
Intro rate expires: 12 months; Regular APR: 8.00%-18.00%*
Intro
No additional details provided.
As Low As
Introductory rates are good for 12 months on transactions posted within 30 days from the date that your new account is opened. After this introductory period, your new rate will be the standard variable APR. (See cardholder agreement for details.)
Credit Limits $5,000 to $15,000 Rate Based on Credit Worthiness
As Low As
No additional details provided.
As Low As
No additional details provided.
Rates are as low as 8.49% APR.
As low as
Daily Periodic Rate: 0.023260%
Intro rate expires: ; Regular APR: *
As Low As
MasterCard As low as
As Low As; 1
Fixed 8.50% APR for purchases, 25-day Grace Period for purchases. No annual fee. Limit determined by loan officer/loan committee. Please see your VISA® disclosure or call (330) 825-2455 for more information.
Rate as low as; See MasterCard Platinum Application and Solicitation Disclosure >>
No additional details provided.
Fixed; With Approved Credit
Credit Rating 730 & above
As low as; Regular APR: 8.50%
As low as; Regular APR: 8.50%
No annual fee; No balance transfer fee; No cash-advance fee; Grace period of 25 days interest-free on all new purchases; Earn points that can be redeemed for hotels, airline travel, electronics, gift certificates and more. See application information below.
As Low As
Intro rate expires: 90 days; Regular APR: 8.50%
No additional details provided.
No additional details provided.
As Low As
Purchases; Penalty:
No additional details provided.
Max $20,000
Fixed-Rate
No additional details provided.
Credit Limit: $300 - $15,000
Variable Rate
Variable Rate
Variable Rate
Variable Rate
Variable*; Rate is subject to change quarterly. Rates are accurate as of the effective date above. Rates are subject to change without notice. Rates, terms and conditions are subject to change and may vary based on credit score, qualifications and collateral conditions.
No additional details provided.
As Low As; variable; no annual or balance transfer fee
No additional details provided.
This APR will vary with the market based on the Prime Rate.
No additional details provided.
Risk > 700
No additional details provided.
Rates starting as low as
$1,000 - $10,000
Contact us for more information
No additional details provided.
No additional details provided.
As low as
Rate: Variable, based on Wall Street Journal Prime Rate ("index") plus or minus a margin, and may adjust on a monthly basis. Maximum lifetime interest rate will not exceed 18% APR. Rate quoted as of 8/1/2026.
For Qualified Members; Rate = Prime Rate + 2%; No Annual Fee; No Cash Advance Fee; No Balance Transfer Fees; 25-day grace period on purchases; Automatic payments from CFCCU account; Foreign Transaction Fee = 1% of each foreign transaction in U.S. Dollars; This Annual Percentage Rate (APR) is a variable rate and is subject to change without notice.
up to $10,000
No additional details provided.
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%.
Based on creditworthiness when you open your account. APR will vary with the market based on the Prime Rate.
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.
Intro rate expires: 12 months; Regular APR: 10.8% - 15.8%
Regular APR: 10.8% - 15.8%
Regular APR: 10.8% - 15.8%
No annual fees, balance transfer fees, or cash advance fees.
As Low As; Apply for a MasterCard Credit Card today!
Great rate and rewards points as well
Rates start as low as 8.88%. No annual fee. Same low rates for cash advances as purchases, immediate increases in your credit line, and one day service on replacement cards (certain fees apply). You can also get your account information online at ezcardinfo.com.
No additional details provided.
Earn ScoreCard Rewards Bonus Points on purchases
No balance transfer fee; Intro rate expires: N/A; Regular APR: N/A
No additional details provided.
APR for purchases 8.90% to 15.50%. APR for balance transfers 8.90% to 15.50%. APR for cash advances 8.90% to 15.50%. Credit line $5,000.00 to $25,000.00.
As Low As; Rates effective as of 04/23/2026
No additional details provided.
As Low As; Non-variable
No additional details provided.
Interest rate as low as 8.90% with no annual fee.
No additional details provided.
As low as; Annual Percentage Rate for Purchases and Cash Advances; Transaction Fee for Purchases: Average Daily Balance (including new purchases); Grace Period for Purchases: 25 days; No Annual Fee; Application Fee $5.00; Transfer Rate - 0% APR* for six billing cycles.
0% APR* balance transfer rate for 6 billing cycles from date of transfer. Rate returns to current rate at that time. No balance transfer fee, no annual fee.
No additional details provided.
As Low As
No annual fee Credit line from $10,000 to $20,000 $500,000 Travel/Accident Insurance Extended manufacturer's warranty/purchase protection Auto rental collision protection
No additional details provided.
Low Interest Credit Card APR Trend
Daily national average APR compiled from 43 banks & credit unions — updated daily.
APRs fell 0.226 pts to 10.68%, down from 10.90% last week.
Averages from 59 APR quotes across 43 institutions • As of Aug 29, 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
- Guardian Credit Union Montgomery, AL: 1.99% APR (Secure Credit Card)
- StagePoint Federal Credit Union: 1.99% APR (Visa Credit Cards)
- Gain Federal Credit Union: 1.99% APR (Platinum Rewards Mastercard)
- West Aircomm Federal Credit Union: 1.99% APR (Visa Platinum Credit Card)
- VAPR Federal Credit Union: 1.99% APR (Mastercard)
More Credit Card Options
