Paying late usually results in a stiff fee (often nearly $40), and if you're 30 days or more late, it can badly damage your credit score. Finally, a late payment can trigger a penalty APR, jacking up your interest rate as high as 30% in some cases. When you're on a 0% period or have a low ongoing rate, Get current credit card interest rates and recent rate trends from Bankrate.com. View current credit card rates based on Bankrate.com’s weekly national survey of large banks and thrifts. The best overall low-interest rate credit cards are ones that tend to offer solid intro APR offers and low ongoing rates to consumers with average credit or better (typically a credit score of 670 or higher). These picks should be available to the majority of applicants since the national average FICO Score is over 700.

BEST LOW INTEREST RATE CREDIT CARDS BEST OVERALL LOW INTEREST CREDIT CARD. Simmons Visa®. Discover it® Balance Transfer. Wells Fargo Propel American Express® card. Capital One® Quicksilver® Cash Rewards Credit Card. Green Dot primor® Visa® Gold Secured Credit Card. Capital One® VentureOne® The interest rate on a credit card affects how much you pay when you carry a balance beyond the grace period. A low interest rate allows you to reduce the amount of interest you pay whenever you carry a balance. A low interest rate would fall below the current average of 22.08%, based on The Balance’s analysis of about 200 credit cards’ rates. Finding the lowest interest rate on a credit card can be tricky, especially when low-interest offers mix an ongoing APR rate with a special introductory rate. Below is a simply summary table to help you better determine the best low interest credit card for your financial needs. The average low interest credit card offers 0% purchases for 10 months or 0% balance transfers for 12 months, followed by a regular rate around 19%, according to WalletHub’s research (some cards are from WalletHub partners).

Owning a credit card with a low interest rate can save you money at the end of each month. Read reviews and recommendations from our experts on the best low interest credit cards out there today.

The best overall low-interest rate credit cards are ones that tend to offer solid intro APR offers and low ongoing rates to consumers with average credit or better (typically a credit score of 670 or higher). These picks should be available to the majority of applicants since the national average FICO Score is over 700. Another card with a good low intro rate is the Discover It card (0% APR for 18 months with 3% balance transfer fee) and we mention that in an earlier article on the best 0% offers. While 0% intro rates may work for some consumers, such offers may not work for others. BEST LOW INTEREST RATE CREDIT CARDS BEST OVERALL LOW INTEREST CREDIT CARD. Simmons Visa®. Discover it® Balance Transfer. Wells Fargo Propel American Express® card. Capital One® Quicksilver® Cash Rewards Credit Card. Green Dot primor® Visa® Gold Secured Credit Card. Capital One® VentureOne® The interest rate on a credit card affects how much you pay when you carry a balance beyond the grace period. A low interest rate allows you to reduce the amount of interest you pay whenever you carry a balance. A low interest rate would fall below the current average of 22.08%, based on The Balance’s analysis of about 200 credit cards’ rates. Finding the lowest interest rate on a credit card can be tricky, especially when low-interest offers mix an ongoing APR rate with a special introductory rate. Below is a simply summary table to help you better determine the best low interest credit card for your financial needs. The average low interest credit card offers 0% purchases for 10 months or 0% balance transfers for 12 months, followed by a regular rate around 19%, according to WalletHub’s research (some cards are from WalletHub partners).

Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases. 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%.

Get a Zions Bank AmaZing Rate® credit card and get a low rate credit card with no annual fee and one of the lowest interest rates around. Low rate, low fee credit cards to suit your needs Ongoing fees, $0, $0 Interest rates are per annum, current at the time of printing and are subject to change  Balance Transfer APR: The interest rate you owe on balances transferred from loans or other credit cards to the applicable credit card. For most cards, you begin with a low rate (even 0%) for a Owning a credit card with a low interest rate can save you money at the end of each month. Read reviews and recommendations from our experts on the best low interest credit cards out there today.

Ongoing low purchase interest rate of 12.99% p.a.; $99 annual fee. Ways to open : Online, Branch, Phone 

The average low interest credit card offers 0% purchases for 10 months or 0% balance transfers for 12 months, followed by a regular rate around 19%, according to WalletHub’s research (some cards are from WalletHub partners). Generally, you need to have good to excellent credit to qualify. Below our experts highlight the different types of low APR cards available, including when it makes sense to apply for cards with 0% introductory rates vs those with ongoing low rates Browse Card Categories. The Visa ® Titanium Signature Rewards Card from Andrews Federal CU has the lowest ongoing APR on our list at 7.99% - 18.00% Variable. If you qualify for the lowest rate and end up carrying a balance, you may be charged little interest (compared with higher APR cards).

The debt you move to the NAB card (new or existing) attracts a lower interest rate for a certain period, called the promotion period. Benefits. Save on interest.

A low-interest credit card can be the right choice for everyday purchases. Compare a range of cards from different providers at comparethemarket.com.au.

APR: All of the low-interest cards surveyed range from a 0% APR to a 15.99% APR. Introductory APR: About 17% of the cards in this category have a 0% APR offer of around 18 months. A 14- or 15-month 0% APR offer is more common, but it pays to shop around. Below is a list of credit cards with ongoing low interest rates and low APR (notice that many of them are Credit Unions). We define a low interest rate as below 10.99% and have also avoided listing credit cards with a range of APR because it can be deceptive. For example, a card might have an APR which ranges from 8.90% to 17.9%. Best Overall: Discover it® Cash Back. Best for 0% Intro APR: Discover it® Cash Back. Best for Balance Transfers: Discover it® Balance Transfer. Best with Rewards: Discover it® Cash Back. Best with Fixed Interest: Green Dot Primor® Visa® Gold Secured Credit Card. Best for Businesses: Ink Business If you’re looking for a credit card that allows you to carry balances at a low ongoing interest rate, the Lake Michigan Credit Union Prime Platinum Visa Credit Card may be the end of your search. With rates as low as 8.50% APR for well-qualified applicants,

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