Best Low Interest Credit Cards — June 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: Diamond Credit UnionDiamond Credit Union6th Avenue and Spruce St, Wyomissing, PA, 19611A+5.0 ★Texas Ratio: 1.69%'s Visa Diamond Credit Card has an APR of 1.99%, Excite Credit UnionExcite Credit Union848A Blossom Hill Rd, Wilmington, NC, 95125A5.0 ★Texas Ratio: 10.89%'s Credit Cards has an APR of 1.99%, 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%, Washington Business BankWashington Business Bank223 5th Ave Se, Olympia, WA, 98531A+5.0 ★Texas Ratio: 1.90%'s Visa Balance Transfers has an APR of 1.99%, and Jersey Shore Federal Credit UnionJersey Shore Federal Credit UnionWilliam J Hughes Technical Ctr, Rio Grande, NJ, 08405A+5.0 ★Texas Ratio: 3.16%'s Credit Card has an APR of 1.99%. Rates as of June 27, 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: June 27, 2026
Compare Low Interest Credit Card Rates Nationwide
Intro rate expires: 1 year; Regular APR: 11.40% - 18% variable APR*
Intro rate expires: 6 months; Regular APR: Varies
Monthly Participation Fee - $10 applied to the card balance
Intro rate expires: through June 2027; Regular APR: 10.45% - 22.45%; pay no balance transfer fee
Intro rate expires: 12 months; Regular APR: No annual or balance transfer fees.
Intro rate expires: 6 months; Regular APR: 9.49% - 16.49%
Intro rate on Purchases for 180 Days. Balance Transfers - Intro 1.99% APR for 12 Months! 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
Intro rate expires: 12 Months; Regular APR: The APR may vary monthly based on the Prime Rate.
Intro rate; Regular APR:
Intro rate expires: 12 months; Regular APR: 6.74% APR - 18% APR
Introductory APR is valid for a period of six (6) billing cycles. Introductory rate is for purchases only. When the discounted period expires, the APR on existing and subsequent balances will increase to the new non-discounted rate on the first day of the following billing cycle. Regular APR: 12.25% to 17.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. The APR for Cash Advances and Balance Transfers will be 12.25% to 17.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. The minimum credit limit is $5,000 and the maximum is $25,000. Maximum rate is 17.50% APR. Refer to the "Mastercard Application and Solicitation Disclosure" and the "Mastercard Agreement" for more information. No prepayment penalty. Certain restrictions apply. Subject to credit approval. Offer may end at any time.
Intro rate expires: 12 billing cycles; Regular APR: 1.99%
introductory
Introductory Variable APR for purchases; Regular APR: 11.65%-17.99%
Intro rate expires: 12 months; Regular APR: 7.99% - 17.99%. This offer is based on credit approval and the actual APR may vary between 5.99% and 9.99% depending on your credit score. No balance transfer fee applies. After 12 months the APR reverts back to your standard purchase rate which varies between 7.99% - 17.99% depending on your Visa Account Terms. Balance transfers are subject to available credit and this special offer expires on 6/20/2026. Please ask Credit Union for full details.
Intro rate expires: 12 months; Regular APR: N/A
No additional details provided.
Intro rate expires: 6 months; Regular APR: 9.90%; no fee balance transfers to the card
Intro rate expires: 6 months; Regular APR: Contact us for an application!; Excellent rewards program.
Intro rate expires: 6 months; Regular APR: 9.90% to 18.0%
Regular APR: 14.90% APR *This APR will vary with the market based on the Prime Rate.
Introductory. Same Low Rate for Purchases, Balance Transfers and Cash Advances. No Fee for Balance Transfers or Cash Advances.
Intro rate expires: 6 months; Regular APR: See Credit Card Addendum
Intro rate expires: 6 months; Regular APR: See Credit Card Addendum
Regular APR: 11.45% - 17.95%
Regular APR: 9.95% - 15.95%
Intro rate fixed promo rate for purchases and balance transfers; Regular APR: X.XX%
Intro rate expires: 12 months; Regular APR: 19.99% - 29.99%
Special Intro Rate. The Annual Percentage Rate (APR) for all loans is based on individual credit score and is subject to credit approval. Not all borrowers will qualify for the lowest rate. All rates are subject to change without notice.
Intro rate expires: 6 months; Regular APR: See if you're prequalified without a credit check.; *APR = Annual Percentage Rate. First City Credit Union is an Equal Housing Lender.
Intro rate expires: 6 months; Regular APR: See if you're prequalified without a credit check.
6-month Intro APR*
Intro rate expires: 6 monthly billing cycles; Starting on the seventh month, the promotional rate will convert to your standard rate. Not eligible for CU Rewards Points and may not be used to pay other Arbor Financial accounts. Promotion, rate, terms and conditions subject to change without notice.
For the LIFE of transactions made before 7/31/26
Intro rate for the first 12 months; Regular APR:
Intro rate expires: 12 billing cycles; Regular APR: 14.96%; Installment Payments Rate: 5.99%
Intro rate expires: 12 billing cycles; Regular APR: Base - 13.96%, Tier 1 - 16.96%, Tier 2 - 18.00%; Installment Payments Rate: Base - 5.99%, Tier 1 - 7.99%, Tier 2 - 9.99%
Intro rate expires: 6 billing cycles; Regular APR: 11.9% for purchases and cash advances. Free balance transfers with no annual or monthly fees.
Balance Transfers AND Purchases; Intro rate expires: 07/31/2026
Promotional rate valid on qualifying balance transfers for 12 months from the date of transfer. Rate reverts to standard APR after the promotional period. Term and conditions apply.
Introductory Rate; Regular APR: 11.49% to 18.00%
Intro rate expires: six billing cycles; Regular APR: 9.99%.**
Intro rate expires: 12 months; Regular APR: 11.99% - 16.99%
Intro rate expires: 12 months; Regular APR: 14.99% - 16.99%
Regular APR: 3.00%
3% Cash Back on purchases
As Low As; Excellent Rates
As Low As; Intro rate expires: N/A; Regular APR: N/A
As Low As; Intro rate expires: N/A; Regular APR: N/A
Intro rate expires: 12 months; Regular APR: 13.40%-21.00% variable APR+
Regular APR: 12.00% - 17.99%
No additional details provided.
Intro rate expires: 12 months; Regular APR: Index + 7.00%; No Annual Fee
As Low As
Annual Percentage Rates as low as...
Limited-Time Offer. Intro rate for 12 months. Regular APR: Varies.
Intro rate expires: 12 months; Regular APR: 9.99% - 12.99%
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Intro Rate for 12 months / Disclosure
As Low As; * APR = Annual Percentage Rate. Your actual APR and loan terms depend on credit approval and may vary based on creditworthiness, loan amount, and collateral type, value, age, and condition, if applicable. All rates are current as of today but are subject to change without notice
Intro rate expires: 6 months; Regular APR: 12.75%
Intro rate for 12 months; Regular APR: 6.99%
Lock in 3.99% on balance transfers.
Available October 1st, 2025, through December 1st, 2025. Transfer a balance from an existing high rate credit card.
Intro rate expires: 12 months; Regular APR: reverts to regular credit card rate
No Annual Fee or Balance Transfer Fee; Intro APR
Intro rate expires: 12 months; Regular APR: **
As Low As; Regular APR: 10.99%
Intro rate expires: 6 months
As low as
from; Approval based on credit worthiness. Membership eligibility required.
Intro rate expires: 12 months; Regular APR: 12.65% - 18.00%
As Low As; Classic Visa
Determined by account funds
As Low As; Excellent Rates
No additional details provided.
As Low As; Regular APR: 4.85%
Rates as low as 4.9% APR*
No additional details provided.
Intro rate expires: 12 months; Regular APR: Subject to Approval
Secure and Credit Builder Options Available Great Introductory Rates
Intro rate expires: 1 year; Regular APR: 8.9%; No balance transfer fee; No annual fee
As Low As
Intro rate expires: 6 months; Regular APR: 13.99% - 36.00%
No Annual Fee
No Annual Fee
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.
Promotional APR
$5,000 - $30,000; Intro rate expires: 90 days; Regular APR: Prime Rate + 6.65%; The Prime Rate as of 05/31/2026 is 6.75%. The APR will not exceed the ceiling, or highest APR of 18.00%. Rates are subject to change at any time and are subject to approval. Offer valid for existing First New York credit card holders only. Offer not valid for current cardholders or cardholders currently in another promotional program.
Intro rate expires: 90 days; Regular APR: Prime Rate + 11.75%; The Prime Rate as of 05/31/2026 is 6.75%. The APR will not exceed the ceiling, or highest APR of 18.00%. Rates are subject to change at any time and are subject to approval. Offer valid for existing First New York credit card holders only. Offer not valid for current cardholders or cardholders currently in another promotional program.
$25.00 Annual Fee
No additional details provided.
No additional details provided.
No additional details provided.
APR* as low as:
No Balance Transfer Fee; As Low As; view disclosures
Introductory Rate. Regular APR: 12.99%.
Intro rate expires: 6 billing cycles; Regular APR: 11.90% APR or 13.90% APR as specified in your Credit Card Agreement. 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 billing cycles; Regular APR: 11.90% APR or 13.90% APR as specified in your Credit Card Agreement. 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%
Intro Rate; Regular APR: 14.65% APR* Fixed Rate
Intro Rate; Regular APR: 10.65% APR* Fixed Rate
As Low As; Promotional rate from June 1st through August 31st, 2026.
No additional details provided.
No additional details provided.
+2.00% above Share Savings Dividend Rate*
No additional details provided.
As Low As; Rates range from 6.00% to 11.50%
No additional details provided.
As Low As; APR*
as low as
Transaction must post between 4/1/26 - 6/30/26. Will Revert to normal rate 7/1/2027.
Intro rate expires: 6 months; Regular APR: 9.49%
No additional details provided.
As Low As; Regular APR: 6.69%
As low as
As Low As; Variable Rate
Equals Prime Rate. Prime rate is 6.75% as of December 11, 2025. This is a variable rate product.
As low as; *
As Low As
No Annual Fee
No Annual Fee
No additional details provided.
Balance Transfer APR: 6.90%
As Low As
No Annual Fee; Rate based on creditworthiness and may be higher. Qualified purchases do not include cash advances, convenience checks, returns or balance transfers.
No additional details provided.
As Low As; Your individual rate (APR) will be determined based on your credit score. (Subject to credit approval and other conditions).
No additional details provided.
purchase and cash advance APR
No additional details provided.
APR for purchases 6.90% to 14.50% APR for balance transfers 6.90% to 14.50% APR for cash advances 6.90% to 14.50%
No additional details provided.
As low as
No additional details provided.
No additional details provided.
As Low As
Regular APR: 8.9%
Intro rate expires: 6 months; Regular APR: Rate based on score at application. After 6 months the balance and new purchase rate will convert to the rate, based on their score at application.
RATES AS LOW AS
No additional details provided.
6.9% Fixed APR*
No additional details provided.
No additional details provided.
As Low As; GREAT RATES EVERY DAY! LEARN MORE
No additional details provided.
As low as*
As Low As
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
No annual fee, up to 25 day grace period.
No additional details provided.
As low as
As Low As
7.17% APR for life on purchases and balance transfers made in the first 90 days*; No annual, cash advance, or balance transfer fees; Partnership supports Dolly Parton's Imagination Library
No additional details provided.
May qualify for up to two times gross monthly income.
As Low As
Premium Rewards. Signature Service.
Fixed Rate No Annual Fee No Cash Advance Fee Accepted anywhere with Visa logo Normal credit granting guidelines apply. Rates are based on credit score
No additional details provided.
As Low As
($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
As Low As*
No additional details provided.
As Low As; *
Purchases
No additional details provided.
No additional details provided.
As Low As; 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.
As Low As; Rates as low as 7.90% APR
Credit Card rates as low as 7.90% APR*
Intro rate expires: 4/16/26 - 7/15/26; $200 cash back* with $3,000 spend; Regular APR: Varies
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.
A+ APR*; 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; Payment: 3% of balance
As Low As; *
As Low As; Regular APR: 9.90%
No additional details provided.
As Low As
Designed for limited/no credit or credit rebuilding.
determined by credit worthiness
As Low As
No annual fee; No transfer fee; No surprises; Starting at 7.90%
FIXED
No annual fee, 5 day grace period
As Low As
As Low As
As Low As
Funds will be held in share account
Best possible rates displayed.
Regular APR: 7.90% APR*
No additional details provided.
Actual rate will be determined by your Experian FICO 2 Credit Score.
No additional details provided.
3% of your balance with a minimum dollar amount of $20.
No additional details provided.
As Low As
As Low As
As Low As
No additional details provided.
As Low As
Rates as low as 7.9%*
Rates Subject to Creditworthiness. Membership is required. Fixed Interest Rate (Purchases and Cash Advances)
No additional details provided.
No additional details provided.
No additional details provided.
As Low As; No Rewards
As Low As
As Low As
Regular APR: 7.9%-19%
As Low As
As Low As; VISA APR*
As Low As
Foreign Transaction Fee: 1.00%* of each transaction in U.S. dollars; Late Payment Fee: $25.00 **; Cash Advance Fee: ; Return Check Fee: $25
As Low As
As Low As; based on credit rating
No Annual Fee; Preferred rate is with a FICO score of 720 or above. Alternative rates, terms and conditions may apply depending on applicant's credit qualifications. Rates and terms subject to change without notice. All loans subject to credit approval. No additional discounts may be applied to these rates. Regular APR: 7.98% - 7.98%
No Annual Fee. No Balance Transfer Fee. No Cash Advance Fee.
LIMITS: $5,000 to $7,500. No Annual Fee, No Balance Transfer Fee, Same Low Rate on Cash Advances.
As Low As; View Loan Rates
As Low As; * No Annual Fee
As Low As; Rates may vary based on credit history, term, and collateral.
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, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval.
No Annual Fee/No Cash Advance Fee; Plus Earn Rewards Points; As Low As; Regular APR: 7.99%
Score: A+, A, B
As Low As
Revolving
As Low As; Repayment is 2% of the balance owed A 25-day grace period on all purchases
Available Terms: up to $50,000
As Low As
As Low As
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:
As Low As; Balance transfer rates. One low fixed rate for purchases and cash advances
As Low As
Intro rate expires: First Six Months; Regular APR: 3.99%; No annual fee, no cash advance fee, 25-day grace period, low fixed rate
As Low As; Low rates, no annual fee, and plenty of perks.
Regular APR: 7.99%*
When you open your account based on creditworthiness. Regular APR: 7.99% - 17.99%. Annual Fees: . Lost Card Replacement: $10.00. Copy of Statement/Draft: $10.00. Rush Card order: $20.00. Unauthorized Use/Card Pickup: $50.00. Cash Advance Fee: $5.00. Late Payment Fee: up to $25.00 after 3 day grace period. Return Check Fee: $25.00. Transaction Fees: .
All rates are based on 725 credit score.
No additional details provided.
No additional details provided.
No additional details provided.
As Low As; Variable rate accounts. All rates are subject to change.
No additional details provided.
+2.00% above Share Savings Dividend Rate*
Minimum $25 Monthly or 3% of Balance
As Low As; Fixed APR for Purchases; Regular APR: 8.00%-18.00%*
8.00%
$25.00 Annual Fee
Transfer Your Balances and Save!
As low as*
As Low As
Intro; Regular APR: 11.99%-13.99%
No additional details provided.
No additional details provided.
Rate Based on Credit Worthiness
As Low As
As Low As; Daily Periodic Rate: 0.023260%
As low as 8.49%; Regular APR: 8.49% to 17.99%
No additional details provided.
As Low As
No additional details provided.
Savings Over 3 Years: Direct FCU : 8.49% APR * Massachusetts Avg: 14.26% APR
Savings Over 3 Years: Direct FCU : 8.49% APR * Massachusetts Avg: 14.02% APR
Annual Percentage Rate. Rates accurate as of 04/21/26. All credit cards offer a 10 day grace period. Other rates and fees apply.
As Low As
No additional details provided.
As Low As
As Low As; Rate subject to risk adjustment. Credit restrictions apply.
As Low As; Rate subject to risk adjustment. Credit restrictions apply.
Intro rate: 3.99% for 90 days; Regular APR: 8.50%
As Low As
Fixed Rate based on your creditworthiness when you open your account.
Fixed Rate based on your creditworthiness when you open your account.
Fixed Rate based on your creditworthiness when you open your account.
As Low as; APR*
As Low As; Rates accurate as of February 1, 2026
As Low As; *1
Purchases
Max $20,000
No additional details provided.
No additional details provided.
As Low As; Variable Rate
As Low As; Variable Rate
As Low As; Variable Rate
As Low As; Variable Rate
As low as
No additional details provided.
Regular APR: 10.25% (Balance Transfers); 10.25% (Cash Advances)
Regular APR: 10.25% (Balance Transfers); 10.25% (Cash Advances)
No additional details provided.
No additional details provided.
Risk > 700; Maximum Amount: $15,000
No additional details provided.
Contact us for more information
up to $10,000
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.
Regular APR: 10.8%, 15.8%
Regular APR: 10.8%, 15.8%
Regular APR: 10.8%, 15.8%
Rates Subject To Change Without Notice. As Low As
As Low As; Apply for a MasterCard Credit Card today!
As Low As
No annual or tfer fee
As Low As; Regular APR: N/A
VISA Platinum Credit Card
Starting at
As Low As; Apply for our visa rewards card today, and start earning cash back rewards.
As Low As
No additional details provided.
Penalty APR: 17.90%.
As Low As
No additional details provided.
As low as 8.9% APR
Rates are based on the applicant(s) credit score. Loans are based on credit approval. Rates are subject to change without notice.
As Low As; Purchase
Fixed Rate; No Annual Fee or balance transfer fees; Starts with a minimum credit line of $5,000.00; Earn a bonus point for each dollar you spend. Points are redeemable for merchandise, gift cards, or travel through RealTime Rewards.
As Low As
As Low As; Rates effective as of 09/01/2025. Rates subject without notice.
As Low As; See our Visa Disclosure for rates and additional information.
fixed
No additional details provided.
As Low As; all rates based on creditworthiness
As Low As; 8.90%
No additional details provided.
As Low As
As Low As; From 8.90% - 13.90%
As Low As; Credit limits from $500 to $30,000. Foreign currency conversion fee up to 1% may apply. No Annual Fee, Cash Advance Fee, or Balance Transfer Fee.
As Low As
Finance Charges Calculated On: Average Daily Balance
As Low As; Spend confidently with no annual fees, and no balance transfer fees.
As Low As
Rate is 8.90% APR*; NO annual fees, NO balance transfer fees, NO cash advance fees! Includes Annual Cash Back Rewards!
As Low As; max. amount of $15,000.00; NO annual fees, NO balance transfer fees, NO cash advance fees! Includes Annual Cash Back Rewards!
As Low As; Max amount of $15,000.00
As low as; fixed rates; Payments based on 3% of outstanding card balance.
Purchases, cash advances and balance transfers rate. Earn ScoreCard Rewards Bonus Points on purchases
Regular APR: 8.9%
Regular APR: 8.90%
As Low As; Rates effective as of 04/23/2026
As Low As; Non-variable
Rates as low as 8.9% APR*
No annual fee. Regular APR: 8.90%
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.
Fixed Rate
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.
No additional details provided.
No additional details provided.
No additional details provided.
Grace Period: 25 Days
No additional details provided.
As Low As; Regular APR: N/A
As Low As; With Rewards
Intro rate expires: 1 year; Regular APR: 12.9%; No balance transfer fee; No annual fee
Regular APR: 8.9%
APR as low as 8.90%
Payment 3% of balance. Variable Rate Subject to change with 90 day notice.
No additional details provided.
As Low As; *APR = Annual Percentage Rate
As Low As
APR = Annual Percentage Rate
As Low As
As Low As; $500 - $30,000
Regular APR: 8.90%
As Low As
As Low As
No additional details provided.
Regular APR: 8.90%
Regular APR: 8.90%
As Low As; Rates accurate as of June 1, 2026 and subject to change. All Loans are subject to approval. Click here to view Credit Card Disclosures.
As low as; Rates are based on your credit history and current credit report. Foreign currency conversion fee up to 1% may apply. No Annual Fee, Cash Advance Fee, or Balance Transfer Fee.
As Low As; No annual fees.
As Low As
No Annual Fee
No additional details provided.
As Low As
As Low As; NO annual fee; NO balance transfer fee; NO cash advance fee
As Low As
No additional details provided.
Regular APR: 8.95%
As low as; No Annual Fee
No additional details provided.
Rate shown based on an A rated credit score, actual rate may vary. Terms & conditions apply. Subject to credit review & approval. Must be a SWCFCU Member to qualify.
As low as
Annual Percentage Rate (APR) as low as
Cash APR: 8.95%; 3% of balance payment; Max line: $20,000; No annual fee; No balance transfer fee
Rate as Low as: 8.95%
Non-Variable, no annual fee
As Low As; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.
As Low As;*
As Low As; Regular APR: 8.99%
As low as
As Low As; *
No additional details provided.
No additional details provided.
8.99% APR with credit limits from $5,000 to $10,000
Intro rate expires: N/A; Regular APR: 10.99%
As Low As
Annual Fee $10.00 / 25-Day Grace Period
As Low As
Rates as Low as 8.99% APR
Visa Gold - 8.99% APR*
Intro rate expires: 12 months; Regular APR: 8.99% - 16.99%
As Low As
NO ANNUAL FEE!
No additional details provided.
As Low As; Maximum $25,000
As Low As
When you open your account based on credit worthiness
No additional details provided.
No annual fee
APR* Up To: 17.99%
Non-variable
Non-variable
As Low As; Click for More Information
As Low As; accepted worldwide
No additional details provided.
Based on your creditworthiness.
Based on your creditworthiness.
Based on your creditworthiness.
Based on your creditworthiness.
Based on your creditworthiness.
As Low As
As Low As; Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval.
As Low As; ...
APR as low as 8.99%
As Low As; Choose a Low Rate card or a Rewards card. Call for more information.
As Low As
As Low As; Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
As Low As
No additional details provided.
No additional details provided.
Actual rates may vary based on credit score of individual applicants.
As Low As
No additional details provided.
Excellent Credit Range
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
No additional details provided.
As Low As
As Low As; Rate subject to credit qualifications. Call us for more details. APR = Annual Percentage Rate
As Low As; Annual Fee: No
APR*
No additional details provided.
Regular APR: 8.99%
No additional details provided.
As Low As
As Low As
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Rates are based on a minimum credit score of 700.
Variable periodic rate; Annual percentage rate for purchases is 9% A. P. R.; Annual percentage rate for balance transfers is 9% A. P. R.; No transaction fee or balance transfer fee; Minimum monthly payment is 5% of the balance, or at least $25; Late payment fee is $10; 10-day grace period; Foreign transaction fee up to 1%; 20 monthly payments of $54.03 per $1,000 borrowed; ScoreCard Rewards - Earn points every time you use your VISA for purchases.
As Low As
Regular APR: 13%, 18%
No additional details provided.
No additional details provided.
No additional details provided.
No Annual Fee
No additional details provided.
Regular APR: 9%
No additional details provided.
No additional details provided.
As Low As; Limits up to $10,000
Annual Fee: $10.00 Per Year/No annual fee on Senior Gala Club Checking account/First year Annual Fee waived on New accounts/No annual fee with Active share draft account. Method of Computing: Average Daily Balance Including New Purchase
Credit Limit: $1,000 to $100,000
As Low As
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
This APR will vary with the market based on the Prime Rate
This APR will vary with the market based on the Prime Rate
This APR will vary with the market based on the Prime Rate
As Low As; APR=Annual Percentage Rate. All rates and fees are subject to change at any time without prior notification. Please contact the Credit Union for the most current rates.
No additional details provided.
As Low As; Regular APR: 9.49%
Good: 11.49%; Average: 13.49%; Fair: 16.49%; Marginal: 17.90%; Low / No score: 17.90%
Regular APR: 9.49%
No additional details provided.
As low as; No Annual Fee; ScoreCard® Reward can be used for Travel or Merchandise; 25 day grace period
As Low As
As Low As
Low Interest Credit Card APR Trend
Daily national average APR compiled from 24 banks & credit unions — updated daily.
APRs rose 0.262 pts to 10.63%, up from 10.37% last week.
Averages from 32 APR quotes across 24 institutions • As of Jun 28, 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
- Diamond Credit Union: 1.99% APR (Visa Diamond Credit Card)
- Excite Credit Union: 1.99% APR (Credit Cards)
- Guardian Credit Union Montgomery, AL: 1.99% APR (Secure Credit Card)
- Washington Business Bank: 1.99% APR (Visa Balance Transfers)
- Jersey Shore Federal Credit Union: 1.99% APR (Credit Card)
More Credit Card Options
