Low Interest Credit Cards

Estimate effective APR Forcredit keeping cardmonths

A low interest credit card saves you money if you carry balance or plan a large purchase. Please enter the number of months you need to repay your balance and we’ll show you how much interest you’ll pay if any. Compare the best offers available to you and find the most cost-effective card.

Citi Simplicity® photo
Citi Simplicity®
0% Balance TransferNo late payment fee
See termsOn Citi bank's secure website
Intro Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
0%
for 21 mos
$0
15.24-25.24%
Variable
3.16%
up to
  • Card Details
  • 0% Intro APR on purchases and balance transfers for 18 months.
  • After that the variable APR will be 14.49% - 24.49%, based on your creditworthiness.
  • Balance Transfer Fee: Either $5 or 3% of the amount of each credit card balance transfer, whichever is greater.
  • Extended Warranty and $0 Liability on Unauthorized Charges.
  • Worldwide Car Rental Insurance.
  • Citi Price Rewind searches for a lower price on the registered items you pay for with your Citi card at hundreds of online merchants.
  • Pros
  • No Annual Fee
  • No Penalty APR
  • 0 APR on purchases and balance transfer for 18 months
  • Cons
  • No rewards

Our Take

The card proves its name, it is simple and fair. The Citi Simplicity® card has no annual fee, no hidden costs like fees and penalties for late payments, and what’s even more pleasant, it waives interest for the whole 18-month long introductory period not just defers it. This is a brilliant combination of features if you are eager to pay down your debt without any pitfalls.

BankAmericard® Credit Card photo
BankAmericard® Credit Card
0% Balance Transfer
See termsOn Bank of Amerika bank's secure website
Intro Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
0%
for 15 mos
$0
12.99-22.99%
Variable
8.62%
up to
  • Card Details
  • No Annual Fee.
  • Intro 0% APR for your first 15 billing cycles for purchases and for any balance transfers made within 60 days of opening your account.
  • $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10).
  • No Penalty APR.
  • Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
  • Free monthly access to FICO® Score.
  • Pros
  • No Annual Fee
  • Intro 0% APR for your first 15 billing cycles
  • No Penalty APR
  • Security & Benefits
Crystal® Visa Infinite® Credit Card photo
Crystal® Visa Infinite® Credit Card
Travel pointsNo foreign transaction fee
See termsOn City National Bank bank's secure website
Intro Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
No intro offer
$400
waived first year
9%
Variable
9%
  • Card Details
  • Earn 3 Points per $1 spent on gas, grocery, airline, hotel, taxi, limousine, rental car, train, bus, restaurant, fast food and takeout food and dining purchases.
  • Earn 1 Point per $1 spent on all other purchases. Terms Apply.
  • No annual cap on Points and Points don't expire as long as your account is open and the Rewards program has not ended.
  • Access to over 900 airport VIP lounges in more than 120 countries and 400 cities worldwide.
  • No Foreign Transaction Fees.
  • $0 Annual Fee for the first year, $400 thereafter.
  • Receive a statement credit of up to $250 per card per calendar year for Qualifying Airline Purchases.
  • Visa Infinite Luxury Hotel Collection and Privileges.
  • Gogo® Inflight Wi-Fi.
  • Protection and security.
  • Pros
  • High rewards rate
  • Low interest rate
  • No foreign transaction fee
  • Cons
  • $0 Annual Fee for the first year, $400 thereafter
Chase Slate® photo
Chase Slate®
0% Balance Transfer
See termsOn Chase bank's secure website
Intro Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
0%
for 15 mos
$0
15.99-24.74%
Variable
9.28%
up to
  • Card Details
  • Pay no balance transfer fee when you transfer a balance during the first 60 days your account is open.
  • 0% intro APR for 15 months on purchases and balance transfers from account opening. After that, 15.49%–24.24% variable APR.
  • You can check your monthly FICO® Score, as well as monitor and better understand the five main attributes that drive your credit health – all for free with Slate®.
  • You won't have to pay an annual fee for all the great features that come with your Slate card.
  • Paying late won't raise your interest rate (APR). See terms.
  • Pros
  • 0% APR on purchases for 15 month
  • 0% balance transfer APR for the first 15 billing cycles
  • No balance transfer fee
  • No annual fee
  • Cons
  • No rewards

Our Take

The Chase Slate® may provide you with a 15-month period free of any interest. Transfer your high-interest balances to this card and make the most of this marvelous opportunity to pay down your debt.

Citi® / AAdvantage® Gold World Elite™ Mastercard® photo
Citi® / AAdvantage® Gold World Elite™ Mastercard®
0% Balance TransferTravel miles
See termsOn Citi bank's secure website
Intro Purchase Offer
Annual Fee
Ongoing APR
Estimated effective APR
0%
for 15 mos
$50
waived first year
16.74-24.74%
Variable
9.28%
up to
  • Card Details
  • Earn 25,000 American Airlines AAdvantage® bonus miles after $750 spent on purchases within the first 3 months, that's enough for a round trip domestic MileSAAver® award (plus government fees of $5.60 per one-way trip).
  • 1 AAdvantage® mile for every $1 spent on purchases.
  • Receive a 25% savings on eligible in–flight food and beverage purchases when you use your card.
  • No blackout dates on award travel on American Airlines and American Eagle® carriers.
  • $0 Annual Fee for the first 12 months, thereafter $50.
  • Redeem your AAdvantage® miles for a domestic round–trip flight award on American Airlines and American Eagle® carriers for as little as 25,000 AAdvantage® miles.
  • 0% Intro APR on purchases and balance transfers for 15 months; after that the variable APR will be 16.74% - 24.74%, based on your creditworthiness.
  • Citi® Cards with Apple Pay®.
  • Travel & Purchase protection.
  • Pros
  • Sign-up bonus
  • 1 AAdvantage® mile for every $1 spent on purchases
  • Travel & Purchase protection
  • Cons
  • $0 Annual Fee for the first 12 months, thereafter $50
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