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 deals. You can either take advantage of cards with 0% introductory offers or low overall interest rates.

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SHOWING 821 CARD OFFERS

 
Annual Fee
Introductory Offer
Visa Platinum Rewards from SCE FCU

B

A little complex

12.00% - 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

Firstmark ONE<sup>®</sup> Visa<sup>®</sup> Platinum Rewards Card

B

A little complex

12.00% - 18.00%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

2.99% Intro rate for 6 mo. Balance Transfer

Key Terms

Overview

Provident Visa Credit card from Provident CU (CA)

B

A little complex

12.15% - 17.15%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

12.15% Intro rate for 6 mo. Balance Transfer

10.15% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

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

B

A little complex

12.24% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 15 mo. Balance Transfer

0% Intro rate for 15 mo. Purchase Offer

Key Terms

Overview

Visa<sup>®</sup> Platinum Card from Central Coast FCU

B

A little complex

12.24% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 15 mo. Balance Transfer

0% Intro rate for 15 mo. Purchase Offer

Key Terms

Overview

Visa<sup>®</sup> Platinum Card from Dane County CU

B

A little complex

12.24% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 15 mo. Balance Transfer

0% Intro rate for 15 mo. Purchase Offer

Key Terms

Overview

Visa<sup>®</sup> Platinum Card from Desert Financial Credit Union

B

A little complex

12.24% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 15 mo. Balance Transfer

0% Intro rate for 15 mo. Purchase Offer

Key Terms

Overview

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

B

A little complex

12.24% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 15 mo. Balance Transfer

0% Intro rate for 15 mo. Purchase Offer

Key Terms

Overview

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

B

A little complex

12.24% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 15 mo. Balance Transfer

0% Intro rate for 15 mo. Purchase Offer

Key Terms

Overview

Visa<sup>®</sup> Platinum Card from Gulf Coast Community FCU

B

A little complex

12.24% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 15 mo. Balance Transfer

0% Intro rate for 15 mo. Purchase Offer

Key Terms

Overview

Visa<sup>®</sup> Platinum Card By Heritage Community CU

B

A little complex

12.24% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 15 mo. Balance Transfer

0% Intro rate for 15 mo. Purchase Offer

Key Terms

Overview

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

B

A little complex

12.24% - 22.24%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 15 mo. Balance Transfer

Key Terms

Overview

Visa<sup>®</sup> Platinum Card from Merrimack Valley FCU

B

A little complex

12.24% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 15 mo. Balance Transfer

0% Intro rate for 15 mo. Purchase Offer

Key Terms

Overview

Visa<sup>®</sup> Platinum Card  from St. Jean's CU

B

A little complex

12.24% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 15 mo. Balance Transfer

0% Intro rate for 15 mo. Purchase Offer

Key Terms

Overview

Visa<sup>®</sup> Platinum Card from St. Mary's CU

B

A little complex

12.24% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 15 mo. Balance Transfer

0% Intro rate for 15 mo. Purchase Offer

Key Terms

Overview

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

B

A little complex

12.24% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 15 mo. Balance Transfer

0% Intro rate for 15 mo. Purchase Offer

Key Terms

Overview

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

B

A little complex

12.24% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 15 mo. Balance Transfer

0% Intro rate for 15 mo. Purchase Offer

Key Terms

Overview

Visa<sup>®</sup> Platinum Card from United One CU

B

A little complex

12.24% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 15 mo. Balance Transfer

0% Intro rate for 15 mo. Purchase Offer

Key Terms

Overview

Visa<sup>®</sup> Platinum Card from US Employees CU

B

A little complex

12.24% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 15 mo. Balance Transfer

0% Intro rate for 15 mo. Purchase Offer

Key Terms

Overview

Visa<sup>®</sup> Signature Cash Rewards from nih FCU

B

A little complex

12.24% - 17.24%

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

Cash Back Visa Signature from Trumark Financial CU

B

A little complex

12.24% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 9 mo. Balance Transfer

0% Intro rate for 9 mo. Purchase Offer

Key Terms

Overview

Visa Platinum Cash Back Card from Andigo

B

A little complex

12.24% - 21.24%

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 Plus MasterCard<sup>®</sup> from EECU

B

A little complex

12.24% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

9.90% Intro rate for 3 mo. Balance Transfer

0% Intro rate for 0 mo. Purchase Offer

Key Terms

Overview

Platinum Rewards Visa Card from University CU

B

A little complex

12.24% - 19.24%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

3.99% Intro rate for 12 mo. Balance Transfer

Key Terms

Overview

Visa Platinum Rewards Card from Seven Seventeen CU

B

A little complex

12.24% - 22.24%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

4.99% Intro rate for 9 mo. Balance Transfer

Key Terms

Overview

U Rewards Visa® Signature Card from United FCU

A

Very Transparent

12.24% - 18.00%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

No Introductory Offer

Key Terms

Overview

Visa Classic from America First CU

B

A little complex

12.24% - 18.00%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

No Introductory Offer

Key Terms

Overview

Signature Visa<sup>®</sup> with Rewards from On Point Community CU

B

A little complex

12.25% - 16.75%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

4.99% Intro rate for 12 mo. Balance Transfer

2.99% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

NASA Federal Classic Card NASA Federal Credit Union

B

A little complex

12.40% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

6.90% Intro rate for 125 mo. Balance Transfer

Key Terms

Overview

Visa Card With Rewards from Provident CU (CA)

B

A little complex

12.40% - 17.40%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

11.40% Intro rate for 6 mo. Balance Transfer

10.40% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

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

B

A little complex

12.40% - 21.40%

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
  • 12.40% - 21.40% Variable APR if balance not paid in full
  • 0% BT Fee

Overview

Visa<sup>®</sup> Platinum Preferred Rewards from APG FCU

B

A little complex

12.49% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 15 mo. Balance Transfer

0% Intro rate for 15 mo. Purchase Offer

Key Terms

  • $0 Annual Fee
  • Foreign Exchange Fee: Up to 1% of transaction amount
  • 12.49% - 17.99% Variable Variable APR if balance not paid in full
  • BT Fee: 3% of the amount of each balance transfer

Overview

M&T Rewards Credit Card

B

A little complex

12.49% - 19.49%

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

B

A little complex

12.49% - 18.00%

Variable APR

$0 / $75

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Balance Transfer

Key Terms

Overview

First Citizens Rewards Visa<sup>®</sup> Card

C

Lots of fine print

12.49% - 23.49%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Balance Transfer

Key Terms

Overview

Visa Platinum Rewards from Grow Financial FCU

B

A little complex

12.49% - 16.49%

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

REI Co-op Mastercard<sup>®</sup> from US Bank

C

Lots of fine print

12.49% - 24.49%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

No Introductory Offer

Key Terms

Overview

Visa<sup>®</sup> Platinum with Cash Rewards from University Of Wisconsin CU

B

A little complex

12.60% - 19.60%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Balance Transfer

Key Terms

Overview

BB&T Bright Card

B

A little complex

12.74% - 21.74%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 15 mo. Balance Transfer

0% Intro rate for 15 mo. Purchase Offer

Key Terms

  • $0 Annual Fee
  • Foreign Exchange Fee: 3%
  • 12.74% - 21.74% Variable interest rate if balance not paid in full
  • BT Fee: 3% of each advance ($10 minimum)

Overview

  • With BB&T's lowest annual percentage rate (APR), the BB&T Bright Credit Card makes it simple to save money by paying less interest.
  • 0% introductory Annual Percentage Rate (APR) on purchases and balance transfers for 15 months. After that, your APR will be between 13.24% and 22.24% variable.
  • No annual fee
  • Zero liability on unauthorized purchases
  • Warranty manager service and purchase security
  • Travel and emergency assistance services
  • Travel accident insurance

BBVA Compass  ClearPoints Credit Card

C

Lots of fine print

12.74% - 30.74%

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

PenFed Pathfinder Rewards American Express® Card

B

A little complex

12.74% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 12 mo. Balance Transfer

Key Terms

Overview

Prime Rewards Credit Card from SunTrust Bank

B

A little complex

12.74% - 22.74%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

4.75% Intro rate for 36 mo. Balance Transfer

Key Terms

Overview

Diamond Plus Cash Card from Central One FCU

B

A little complex

12.74% - 17.50%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

No Introductory Offer

Key Terms

Overview

Engage Rewards Visa<sup>®</sup> Signature Credit Card from UNIFY Financial CU

B

A little complex

12.74% - 17.49%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

No Introductory Offer

Key Terms

Overview

Reward Visa from State Employees CU Of Maryland

B

A little complex

12.74% - 20.74%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

No Introductory Offer

Key Terms

Overview

The Logix Platinum Rewards MasterCard

B

A little complex

12.74% - 17.99%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

No Introductory Offer

Key Terms

Overview

Visa<sup>®</sup> Platinum Colorado Rewards Credit Card from Bellco CU

B

A little complex

12.75% - 21.00%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

0% Intro rate for 6 mo. Purchase Offer

Key Terms

Overview

Visa Platinum Choice Rewards from California Coast CU

B

A little complex

12.88% - 18.88%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

No Introductory Offer

Key Terms

Overview

Platinum Rewards MasterCard from University Of Iowa Community CU

B

A little complex

12.90% - 19.90%

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

World MasterCard from University Of Iowa Community CU

B

A little complex

12.90% - 19.90%

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

Cash Rewards American Express® Card from Green Belt Bank & Trust

C

Lots of fine print

12.90% - 23.99%

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

First Card Visa Platinum By Northwest FCU

A

Very Transparent

12.90%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

No Introductory Offer

Key Terms

Overview

Visa Cash Rewards Credit Card from Eastman CU

B

A little complex

12.90% - 17.90%

Variable APR

$0 / $0

First Year Fee / Ongoing Fee

No Introductory Offer

Key Terms

Overview

The Provident Signature Cash Back Visa Credit Card from Provident CU (CA)

B

A little complex

12.99% - 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

Cash Rewards American Express® Card from Central Coast FCU

B

A little complex

12.99% - 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

Cash Rewards American Express® Card from Desert Financial Credit Union

B

A little complex

12.99% - 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

Cash Rewards American Express® Card from Freedom CU

B

A little complex

12.99% - 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

Cash Rewards American Express® Card from Gulf Coast Community FCU

B

A little complex

12.99% - 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

Cash Rewards American Express® Card from Harborstone CU

B

A little complex

12.99% - 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

Cash Rewards American Express® Card By Heritage Community CU

B

A little complex

12.99% - 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

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