Lowest Interest Credit Cards

linksadss

Updated January 19, 2018 – Below we list the lowest interest credit cards on the market today, with a link to the card’s page or online application. Note that some of these cards may offer a low rate for excellent credit customers, but approve you at a higher rate if your credit isn’t perfect. Below we’ve noted the lowest rate each card offers AND any higher potential rate, if applicable. Also, we’ve only listed cards that have no annual fee.

  • Simmons Bank Visa® Platinum – Has a low 9.5% variable standard purchase APR. There is no annual fee. Excellent Credit Required – applicants that do not have excellent credit will not be approved! ++
  • Simmons Bank Visa® Platinum Rewards – Low 11.5% variable standard purchase APR. Travel Rewards – cardholders who enroll in the program receive one point per net dollar spent; Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions. Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants. No annual fee. Excellent Credit Required – applicants that do not have excellent credit will not be approved! ++


  • first-citizens-ccFirst Citizens Bank Smart Option Visa – Regional bank offers a credit card with an interest rate as low as 9.24% BUT your rate could also be as high as 20.24%.
  • fnb-platvisaFirst National Bank Omaha Platinum Edition Visa – You could get an interest rate as low as 10.99% with this card BUT there is also the possibility of a rate up to 18.99% depending on your credit history.
  • m&tvisasmallM&T Bank Visa – Offers rates as low as 11.24% for those who qualify, but you could also be accepted at a rate as high as 18.24%.

++ Indicates that this site receives compensation when you are approved for this card.