Low Interest Credit Cards

The average interest rate on credit cards is 15%. If you need to borrow money, you can find much lower interest rates than the average. MagnifyMoney has reviewed more than 2,000 cards from our partners to find good offers. You can either take advantage of cards with 0% introductory offers or low overall interest rates.

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Advertiser Disclosure

SHOWING 550 CARD OFFERS

 
Annual Fee
Introductory Offer
American Express® Gold Card

A

Very Transparent

0.00%

Variable APR

$250 / $250

First Year Fee / Ongoing Fee

No Introductory Offer

Key Terms

  • Annual Fee is $250.
  • Foreign Transaction Fees : None

Overview

  • Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.

TruWest Visa Platinum Card

C

Lots of fine print

5.95% - 19.95%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 18 mo. Balance Transfer

0% Intro rate for 18 mo. Purchase Offer

Key Terms

Overview

Platinum Card from Navy Federal Credit Union

C

Lots of fine print

5.99% - 18.00%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Balance Transfer

Key Terms

Overview

Visa<sup>®</sup> Platinum Card from Trustmark Bank

B

A little complex

6.15% - 11.15%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Platinum VISA<sup>®</sup> Cash Back Credit Card from Aerospace Federal

A

Very Transparent

6.40%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

No Introductory Offer

Key Terms

Overview

VISA Platinum Reward card from San Francisco FCU

C

Lots of fine print

6.74% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

No Introductory Offer

Key Terms

Overview

Visa Platinum Card from Money One FCU

C

Lots of fine print

6.75% - 18.00%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

BECU Visa<sup>®</sup> Credit Card from Boeing Employees CU

C

Lots of fine print

6.90% - 17.90%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Balance Transfer

0% Intro rate for 12 mo. Purchase Offer

Key Terms

Overview

Odyssey™ Rewards World Elite MasterCard<sup>®</sup> from First Tech FCU

C

Lots of fine print

6.99% - 18.00%

Variable APR

$0 / $75

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Balance Transfer

Key Terms

Overview

Visa Platinum® Card from Collins Community CU

B

A little complex

6.99% - 16.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Visa Platinum Preferred from Grow Financial FCU

C

Lots of fine print

6.99% - 17.49%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

1.99% Intro rate for 6 mo. Balance Transfer

1.99% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Visa Platinum Credit Card from America First CU

C

Lots of fine print

6.99% - 18.00%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

No Introductory Offer

Key Terms

Overview

Langley Platinum Select Visa

B

A little complex

7.00% - 15.00%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Balance Transfer

Key Terms

Overview

Visa ® Traditional Credit Card from Redstone FCU

B

A little complex

7.00% - 10.50%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Visa<sup>®</sup> Platinum Credit Card from Abri CU

B

A little complex

7.15% - 16.15%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

1.99% Intro rate for 6 mo. Balance Transfer

Key Terms

  • No Annual Fee
  • 1% foreign exchange fee
  • 9.40% - 18.40% Variable APR if balance not paid in full
  • 0% BT Fee

Overview

Visa Platinum Credit Card from Northwest FCU

C

Lots of fine print

7.24% - 18.00%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

No Introductory Offer

Key Terms

Overview

Visa Platinum Card from Visions FCU

B

A little complex

7.25% - 14.25%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

PenFed Gold Visa<sup>®</sup> Card

C

Lots of fine print

7.49% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Balance Transfer

Key Terms

Overview

MasterCard<sup>®</sup> Platinum from Suffolk FCU

B

A little complex

7.49% - 13.49%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Platinum Premier Rate MasterCard from RB FCU

B

A little complex

7.70% - 16.70%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Balance Transfer

Key Terms

Overview

CapEd VISA<sup>®</sup> Platinum Credit Card

B

A little complex

7.70% - 15.70%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

3.90% Intro rate for 12 mo. Balance Transfer

4.90% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

U First Visa<sup>®</sup> credit card

B

A little complex

7.74% - 17.74%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Visa Classic Variable Rate Credit Card from Eastman CU

C

Lots of fine print

7.75% - 18.00%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

No Introductory Offer

Key Terms

Overview

TruWest Platinum Points Visa Rewards Credit Card

B

A little complex

7.90% - 14.90%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 18 mo. Balance Transfer

0% Intro rate for 18 mo. Purchase Offer

Key Terms

Overview

TruWest Visa<sup>®</sup> Signature Card

B

A little complex

7.90% - 8.90%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 18 mo. Balance Transfer

0% Intro rate for 18 mo. Purchase Offer

Key Terms

Overview

VISA Platinum Credit Card from Park View FCU

B

A little complex

7.90% - 17.90%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Balance Transfer

0% Intro rate for 12 mo. Purchase Offer

Key Terms

Overview

Credit Union of Texas Platinum MasterCard®

B

A little complex

7.90% - 17.90%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

No Introductory Offer

Key Terms

Overview

Visa<sup>®</sup> Platinum Card  from Ent FCU

B

A little complex

7.99% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 14 mo. Balance Transfer

0% Intro rate for 14 mo. Purchase Offer

Key Terms

Overview

Visa<sup>®</sup> Platinum Card from Chevron FCU

B

A little complex

7.99% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 14 mo. Balance Transfer

0% Intro rate for 14 mo. Purchase Offer

Key Terms

Overview

Visa<sup>®</sup> Platinum Card from Harborstone CU

B

A little complex

7.99% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 14 mo. Balance Transfer

0% Intro rate for 14 mo. Purchase Offer

Key Terms

Overview

Buc‑ee's Platinum MasterCard<sup>®</sup> from Texas Dow Employees CU

B

A little complex

7.99% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Classic MasterCard<sup>®</sup> from Texas Dow Employees CU

B

A little complex

7.99% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Platinum MasterCard<sup>®</sup> from Texas Dow Employees CU

B

A little complex

7.99% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Visa<sup>®</sup> Platinum Card from nih FCU

B

A little complex

7.99% - 16.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Balance Transfer

0% Intro rate for 12 mo. Purchase Offer

Key Terms

Overview

First Citizens Smart Option Visa<sup>®</sup> Card

C

Lots of fine print

7.99% - 18.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Balance Transfer

Key Terms

Overview

Platinum Rewards MasterCard<sup>®</sup> from First Tech FCU

C

Lots of fine print

7.99% - 18.00%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Balance Transfer

Key Terms

Overview

Visa<sup>®</sup> Platinum Reward card from Collins Community CU

B

A little complex

7.99% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

 MasterCard<sup>®</sup> Platinum Preferred from BayPort CU

B

A little complex

7.99% - 17.49%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

3.99% Intro rate for 12 mo. Balance Transfer

Key Terms

Overview

Platinum Visa<sup>®</sup> Card from Jeanne D'Arc CU

B

A little complex

7.99% - 15.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

1.99% Intro rate for 6 mo. Balance Transfer

1.99% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Visa Signature<sup>®</sup> Credit Card from Redstone FCU

B

A little complex

8.00% - 11.50%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

Key Terms

Overview

ACU Visa Platinum Rewards Credit Card

B

A little complex

8.04% - 18.00%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

1.54% Intro rate for 6 mo. Balance Transfer

Key Terms

Overview

Platinum Mastercard<sup>®</sup> from Aspire FCU

B

A little complex

8.15% - 18.00%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Platinum MasterCard from Credit Union of New Jersey

B

A little complex

8.15% - 16.15%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

2.99% Intro rate for 12 mo. Balance Transfer

2.99% Intro rate for 12 mo. Purchase Offer

Key Terms

Overview

Elevations Visa Credit Card

B

A little complex

8.24% - 18.24%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 13 mo. Balance Transfer

0% Intro rate for 13 mo. Purchase Offer

Key Terms

Overview

Citadel Choice MasterCard<sup>®</sup>

B

A little complex

8.24% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

No Introductory Offer

Key Terms

Overview

NOW REWARDS Mastercard® from Northwest FCU

B

A little complex

8.24% - 18.00%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

No Introductory Offer

Key Terms

Overview

Choice Rewards World MasterCard<sup>®</sup> from First Tech FCU

B

A little complex

8.25% - 18.00%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Balance Transfer

Key Terms

Overview

MasterCard<sup>®</sup> Platinum Rewards from BayPort CU

B

A little complex

8.49% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

3.99% Intro rate for 12 mo. Balance Transfer

Key Terms

Overview

Visa<sup>®</sup> Titanium Signature Rewards Card from Andrews Federal CU

A

Very Transparent

8.49%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

No Introductory Offer

Key Terms

Overview

 Simply Visa<sup>®</sup> Card from Baxter CU

B

A little complex

8.50% - 17.90%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Balance Transfer

0% Intro rate for 12 mo. Purchase Offer

Key Terms

Overview

DCU Visa<sup>®</sup> Platinum Credit Card

B

A little complex

8.50% - 18.00%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

No Introductory Offer

Key Terms

Overview

Star One Visa Platinum Rewards Card

B

A little complex

8.75% - 12.75%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

No Introductory Offer

Key Terms

Overview

CU SoCal Platinum Rewards Visa

B

A little complex

8.90% - 15.90%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

No Introductory Offer

Key Terms

Overview

Mastercard® Platinum from Cathay Bank

B

A little complex

8.99% - 16.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Balance Transfer

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Visa Platinum Card By AAA FCU

A

Very Transparent

8.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

4.99% Intro rate for 12 mo. Balance Transfer

4.99% Intro rate for 6 mo. Purchase Offer

Key Terms

  • No Annual Fee
  • 1% foreign exchange fee
  • 8.99% - 8.99% APR if balance not paid in full
  • 0% BT Fee

Overview

 MasterCard<sup>®</sup> Platinum Cash Back from BayPort CU

B

A little complex

8.99% - 18.49%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

3.99% Intro rate for 12 mo. Balance Transfer

Key Terms

Overview

American 1 Rewards Credit Card

B

A little complex

8.99% - 18.00%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

No Introductory Offer

Key Terms

Overview

Diamond Card from Central One FCU

B

A little complex

8.99% - 13.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

No Introductory Offer

Key Terms

Overview

Great Reward Platinum Card from Community First CU

B

A little complex

8.99% - 18.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

No Introductory Offer

Key Terms

Overview

Platinum Visa<sup>®</sup> Credit Card from Firefighters First CU

B

A little complex

8.99% - 16.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

No Introductory Offer

Key Terms

Overview

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