Allow me to clarify what this article is about. This review article features the best low-interest cards available nationwide for people in the USA. It is not an article featuring cards with the best introductory offers. The fact is that many credit cards have brilliant introductory 0% APR offers. In fact, many of the cards featured in this article have amazing introductory 0% APR offers, but that is not what this article is about. This article features credit cards where their regular APR is amazing. These are the types of credit card that you should keep for a long time because they have a good interest rate, rather than a card you should keep for a few months because it has a good introductory offer.

We Have Created A List That Is Fair For All Readers

Compiling this list was easy because there are many cards out there that offer a low APR rate. The biggest problem I had was building and curating this list in the fairest manner possible. After all, I could have filled this article with credit cards that feature tiny APR rates, but the trade-off would have been that only people with a credit rating of 800+ can get them.

I had to strike a balance between different credit scores and different credit cards. I think our best low-interest cards list holds a healthy mix of good credit cards that suit all credit rating ranges.

Rate Your Credit Rating

On echeck.org, we consider 690 to be a good credit rating, a rating of 700 to be a very good credit rating, and a rating of less than 630 to be a poor credit rating.

Different credit scoring companies have their own versions of what makes a good and bad credit rating. Lending companies also have their own interpretation of your FICO score. For example, one lending company may consider a 630 credit rating to be good, and yet will not lend to people with a 629 or less credit rating because 630 is their cut off point.

There are other lending companies that may look at your 700+ credit rating and give you the same APR as they give people with a 630 credit rating.

Rate Your Credit Rating

In the image above, there is a chart showing different credit ratings. It gives a reasonable indication of how most credit scoring and lending companies rate your FICO score. When we discuss credit ratings in this article, consider the chart show above because I think it holds an accurate representation of how lending companies judge a good and bad credit rating.

Low APR For People With Excellent Credit

The king of this article is the Barclaycard Ring MasterCard. It has a variable APR, so their low APR is not a guarantee. However, most people who are accepted for a Barclaycard Ring MasterCard are given their brilliant rate of 13.49%.

We have heard of people getting one of these cards with credit scores as low as 720, but you really need a FICO score of 750 or more to all-but guarantee you are accepted for the card.

The tradeoff is that they do not give you a very high credit limit right away, you have to earn it. In addition, there are no rewards for using the card. Your reward is their amazing 13.49% APR. You may lose that rate and have to pay a higher one if you miss your credit card payments, but paying on time shouldn’t be a hardship; if it is, then you need to get out of credit card debt and start working on your finances before you start dabbling with credit cards again.


Barclaycard Ring MasterCard

Required Credit Score: 750

Barclaycard Ring MasterCard

Just 13.74% For Any Transaction

Many credit cards will charge you one APR for purchases, another APR for transfers, and another APR for cash advances. The Barlaycard Ring credit card charges a flat APR rate for all of them (even cash advances). If you have any experience with credit cards, you will know that this is both a fantastic deal and an amazing APR.

No Balance Transfer Fees

One of the rewards for having an excellent credit rating is that banks such as Barclays are willing to give you perks such as free balance transfers. If you are going to transfer your balance, then do it within 45 days of opening your account. There is nothing stopping them from changing this policy a few months after opening your account, so take advantage of it while it is there.

No Foreign Transaction Fees When Traveling

When you draw money out from a foreign ATM, many credit card companies charge you a fee because they have to convert your currency from dollars to the local currency. The Barclaycard Ring MasterCard will not charge you for foreign transactions such as these. They do not charge you extra fees for making purchases overseas too.

0% Balance Transfer For 15 Months

The opening offer with the Barclaycard Ring MasterCard is their 0% balance transfer offer that lasts for 15 months. You have to make your transfer within 45 days of opening your account. If you do, you get their balance transfer rate for 15 months. Even after you have transferred your balance, and even after you have paid it off, it is worth keeping your Barclaycard because low APRs such as theirs are hard to find.

0% On Purchases Made With The Card

One of their introductory offers is 15 months of interest-free purchases. People use these sorts of offers to buy big-ticket items. Instead of getting a finance plan that burns you with interest payments, you may make your big purchase with your Barclaycard Ring MasterCard. You may then take fifteen months to pay it off without having to worry about interest building up.

Free Access To Your FICO Score

People with an excellent credit score may like to check up on it from time to time. As you may have noticed from our many articles about credit cards, there is a current trend running where credit card companies give you free access to your FICO credit score. Barclaycard Ring MasterCard has also jumped on this trend.

Comments And Opinion

I have read all the small print, I have read online reviews, I have tried the card, and I have spoken to other team members who have tried the Barclaycard Ring MasterCard. I have done my best to search for the “catch” that comes with this card–but there isn’t one. Barclays are offering a terrific card with an astounding APR, and the card comes with some very valuable introductory offers. If there is a catch, then I can’t find it. If you are looking for a long-term credit card and you have an excellent credit score, then the Barclaycard Ring MasterCard is the one for you.

Low APR For People With Good Credit

There are quite a few credit cards out there for people with good credit. The average APR for people with good credit is between 21% and 27% in my experience. Of all the best low-interest cards we researched, I have decided that the Blue Cash Everyday Card from American Express is the winner in this category. They offer a reasonably good service, there are no downsides that queer the deal, and their APR is only 23.74%. If you have an excellent credit rating, you can get an APR as low as 13.74%.

I know there are plenty of other credit cards out there that offer similar APR rates for people with good credit. If you think there is one that truly outshines the Blue Cash Everyday Card from American Express, then let us know in the comments and we will give it a try.


Blue Cash Everyday Card from American Express

Required Credit Score: 665

Blue Cash Everyday Card from American Express

There Is No Annual Fee For Your Card

Some credit card companies will charge you a maintenance fee to keep your credit card open. The Blue Cash card has no maintenance fee. You simply pay the interest on whatever balance you have on your card. If you pay off your balance a week before your credit card bill is due, then you will not be charged interest for what you have spent.

12 Months With No Interest

When you first open your credit card account, you are given 12 months of 0% APR. That means you may buy something your first day and not have to pay any interest on the purchase for a full 12 months. After the 12-month introductory period is over, you have to start paying their regular APR.

Regular APR Between 13.74% and 23.74%

If you have a good credit rating, you will probably receive the 23.74% APR. You need an excellent credit score if you want the lower APR rate. Despite the fact that 23.74% is not the best APR rate on this article, it is still very reasonable for people with a good credit rating. Work on your FICO score for a year by taking care of your credit card account and managing your money correctly, and you may cancel this card next year and pick another with a better APR rate.

Earn Cash Back On Your Purchases

You can earn 3% cash back on your purchases in supermarkets. You get 3% back up to $6000 per year, after which point you start to receive 1% cash back. If you use your card in selected US department stores and at US gas stations, then you may earn 2% cash back. Purchases with other merchants will earn you 1% cash back. You may redeem your cash back as a credit on your statement, which means you may use your cash-back rewards to pay off part of your credit card balance.

0% On Purchases Made With The Card

One of their introductory offers is 15 months of interest-free purchases. People use these sorts of offers to buy big-ticket items. Instead of getting a finance plan that burns you with interest payments, you may make your big purchase with your Barclaycard Ring MasterCard. You may then take fifteen months to pay it off without having to worry about interest building up.

Free Access To Your FICO Score

People with an excellent credit score may like to check up on it from time to time. As you may have noticed from our many articles about credit cards, there is a current trend running where credit card companies give you free access to your FICO credit score. Barclaycard Ring MasterCard has also jumped on this trend.

Comments And Opinion

Do not confuse the Blue Cash Everyday Card with American Express’s Everyday Card. They look similar, they sound similar, but they are different. The image below shows both of them. The review above is only about the Blue Cash Everyday card, the other Everyday card has different perks, rates and so forth.

blue cash not everyday

One of the best things I like about this card is from our personal experience in the echeck.org office. We let one of our temp staff sign up for a Blue Cash Everyday Card and she only has a credit rating of 655. Amex still gave her the card and she was able to join our reviewing team. The required credit rating we have listed on this article is 665. We were going to write 670 because that was what the Amex customer support told us, but personal experience taught us otherwise.

As I said in the introduction, I know there are a lot of credit cards that cater to people with good credit, and they offer APR rates between 21% and 27%. It was a tough choice trying to find the best, but I think in terms of service quality and card availability, the Blue Cash Everyday Card deserves its place on this article.

Best Low-Interest Cards For People With Poor Credit Ratings

If you have a credit score that is lower than 630, then you credit rating (your FICO score) is considered to be poor. You are probably going to have trouble getting new credit cards with attractive opening offers and attractive APR rates. If you have a poor credit rating, then getting a credit card is probably a bad idea because you are going to make your situation worse. If you would like to improve your situation, then get a secured credit card that allows you to rebuild your credit score. After a year or so, you should be able to return to your search for low-interest credit cards. When your credit rating has been repaired, you may get a credit card with a good APR rate.

How Does A Secured Credit Card Work?

You lend money to yourself, but the transactions are arranged through a credit card company. Your transactions with the credit card company are reported to credit agencies. If you handle your account well and manage your money correctly, then your credit rating will rise. You are essentially lending money to yourself and allowing another company to charge you for the privilege. It seems silly having to lend money to yourself, but if you have a very poor credit rating, it may be the only feasible way of rebuilding your credit rating.


Primor Secured Visa Gold Card

Required Credit Rating: 300

primor secured visa gold card

You Only Pay 9.99% APR On The Money You Borrow

The APR interest rate is only 9.99%, which is tiny when you consider that an average APR rate is between 21% and 27%. The low APR rate is because the credit card company isn’t taking a big risk by taking on your account. After all, if you do not repay the money you use, then they simply keep your deposit and close your account. Your credit limit is only as high as your deposit, so they have nothing to lose.

The Maintenance Fee Is Only $49 Per Year

It is a bit of a rip off having to pay an annual fee to borrow your own money back from a lending company. However, a secured credit card may be your best and only way of rebuilding your credit rating if you have a low FICO score. With that in mind, where is the harm in paying a relatively small annual fee for having your card and rebuilding your credit.

They Report To All Three Nationwide Credit Scoring Companies

Since you are using your Primor Secured Visa Gold card to rebuild your FICO score, it makes sense that the company reports to the biggest credit scoring agencies in the country. What is the point in doing a good job managing your account if your credit rating isn’t going to jump upwards because of it?

Application Takes Minutes And It Is Easy To Get Accepted

Since the Primor Secured Visa Gold card company doesn’t care about your credit rating, there are very few hoops to jump through when you apply for your card. All they care about is if you have at least some disposable income. After your monthly overheads and expenses have been paid, do you still have $100 spare? If you do, then you will be accepted. If not, then you may have to work on your budget before the Primor Secured Visa Gold card company will let you have one of their secured credit cards.

There Are No Application Or Processing Fees

You will not be charged for applying for your secured card. The rate of 9.99% is the APR rate you get irrespective of your credit rating. There is also no penalty APR rate for missing any payments. It is also a Visa card, which is accepted in more stores and locations than a MasterCard or Amex card is.

My Comments And Opinion

I had to write about this credit card company because they offer the lowest APR rates for people with a bad or poor credit. I did it begrudgingly because I do not like the card issuing bank. Their website sucks so hard that you can hear it suckling from space. They also have a terrible Google optimization policy, which means they are almost impossible to find them online without going through another website first.

What bothers me more is that their website touts the benefits of a Primor Secured Blue card, but it doesn’t give you APR rates or any links to useful information. If you want a low APR rate and you have a bad credit rating, then Primor Gold is for you, I can’t say the same for Primor Blue.

A Low APR Card For Travelers With Excellent Credit

As you may have guessed, if you want robust traveling rewards and a low APR on your credit card, then you need an excellent credit rating. The Capital One VentureOne Rewards credit card has fantastic rewards for travelers, and the APR runs as low as 12.74%. The “Required Credit Rating” listed below is 750, but other review websites claim it is higher. Upon further research, our team discovered that your credit rating is only part of your application eligibility criteria. Capital One does not mind if you have a credit rating as low as 750 (maybe even as low as 700) if you fall into their “Excellent” category.

Capital One Credit Level Guidelines

The image above explains what Capital One considers to be their “Excellent” category. If you have a high FICO score, and you fall into their “Excellent Credit” category shown in the image above, then you are more likely to be accepted for a VentureOne rewards credit cards.


Capital One VentureOne Rewards Credit Card

Required Credit Rating: 750

Capital One VentureOne Rewards Credit Card

A 0% Introductory Interest Rate For 12 Months

This article features the best low-interest cards available nationally for people in the USA. It is about regular APR rates and not introductory APR offers. However, you have to admit that the 12-months of interest free purchases offer is very tempting. You can buy something on the first day you open your account and not have to pay interest on it for a full year.

A Regular APR As Low As 12.74%

The annual percentage rate (APR) for purchases and transfers will vary depending upon your creditworthiness. Your rate will either be 22.74%, 17.74% or 12.74%. Even their highest APR rate is still very reasonable. The APR for cash advances is 23.74%, which is about average for a credit card. There is a 25-day grace period where you may avoid paying interest if you pay off your balance. The grace period is 25 days after the close of your last billing cycle.

Spend $1000 In The First Three Months for 20,000 Points

During the first three months of having your credit card account open, you have to spend at least $1000 on purchases. If you do, you receive 20,000 bonus miles on your card. That is equal to getting $200 knocked off your next travel expense.

You Get Unlimited Travel Rewards For Purchases

You get 1.25 miles for every dollar you spend. That is a fancy way of saying you earn $1 off your travel expenses whenever you spend $80. For example, if you spend a modest $400 on your card every month, you will have accrued $60 off your next travel expense. There is no limit to how many rewards you earn–the more you spend, the more reward points you receive.

No Foreign Fess And Your Travel Rewards Do Not Expire

If you use your credit card to buy things outside of the USA, you will not be charged a conversion fee, which is a fee that many other credit cards impose. Your travel rewards will remain in your account, and may be seen on your statement, for as long as you have your card account open. They do not expire in any way.

You May Also Receive Visa Signature Benefits Too

If you know all about Visa Signature benefits, then you may be pleased to know that the VentureOne Rewards credit card comes with Visa Signature benefits. However, eligibility criteria appear to apply. The image below shows the Visa Signature benefits that you may receive.

VentureOne Visa Signature

Comments And My Opinion

As it typical with credit cards, all the small print hides the less favorable and less marketable features of the credit card. However, I do like the fact that most of the small print is on the credit card’s page and not tucked away in some PDF file. There are no deal-breaking terms and conditions that make the card less valuable. For example, one of the terms is that you only earn travel points for purchases, you do not earn from balance transfers, cash advances or checks. It states that you don’t earn points for checks, even if you wrote the check to make a purchase. That is an example of the small print that is less marketable, but hardly considered a deal breaker.

Do not mix up the Capital One VentureOne Rewards card with the Capital One Venture card. The VentureOne card has no annual fee, the Venture card has an annual fee. If you have an excellent credit rating, and you fall into their “Excellent” category, then the Capital One VentureOne Rewards credit card and its low APRs are perfect for frequent travelers.

Runners Up – More Cards You May Like To Consider

While researching and trying out different credit cards, we found quite a few that were of a high quality. For one reason or another, the runners up did not win the categories listed above. However, if you cannot get the cards listed above, or you are looking for something else, we suggest you do a little research into the cards listed below. Despite the fact that they did not win their way into the categories above, we still consider them to be some of the best low-interest cards on the market

Chase Freedom – A Low APR And Good For Cash Back

Chase Freedom

The Chase Freedom didn’t make the cut in the categories above, but they have a reasonably good APR rate for people with good, very good and excellent credit ratings. Plus, their cash-back offers may be attractive to heavier credit card users.

[+] There is an introductory offer where you do not have to pay interest on your purchases for a full 15 months. That is an introductory 15-month 0% APR offer on purchases.
[+] Make purchases with your card, and you may earn a 1% cash-back reward. Their 1% cash-back offer doesn’t have a rewards limit.
[+] Your cash-back rewards will not expire. While your account is open, you may build up as much cash-back as you wish.
[+] There is also no annual fee for the card. Their APR rates range from between 15.49% and 24.24%.
[+] If you spend $500 on purchases alone during the first three months of having your card, then they give you a whopping $150 cash-back bonus.
[+] Earn up to 5% cash back on combined purchases for up to $1500 per year if you buy from the categories that Chase designates every three months.

Chase Slate – A Low APR And Good For Balance Transfers

Chase Slate

The Chase Slate card offers different rates for people with good credit score, very good credit score and excellent credit scores. Their 24.24% APR is not bad, and their service is of a reasonably high quality, but it is their balance transfer offer that most people find attractive.

[+] You do not have to pay a maintenance fee for your card. Their APR rates are 15.49%, 21.24% and 24.24%. Your rate depends on your creditworthiness.
[+] Make a balance transfer within sixty days of opening your account, and you may enjoy their 0% balance transfer offer that runs for 15 months.
[+] See your FICO credit score and use Chase’s free credit dashboard. You do not have to pay for use of the dashboard or to see your credit score.
[+] Get 0% APR on purchases for 15 months. That means you may buy a big-ticket item the day you open your account and you don’t have to pay interest on it for 15 months.
[+] They do not charge a penalty for late payments. Your APR rate will stay the same if you miss a payment, it will not shoot up as it does with some other credit cards.
[+] If you make a balance transfer, then you will not have to pay a fee for the transfer. You do have to make the transfer within sixty days of opening your account to enjoy a free transfer.

BankAmericard Credit Card – A Good Regular APR And A Long Balance Transfer Period

BankAmericard Credit Card

If you want a longer 0% APR period for your balance transfer, then you may like to consider the BankAmericard credit card. Their service is not as good as many of the others on this article, but their 18-month balance transfer period is very attractive.

[+] If you make a balance transfer within sixty days of opening your account, then you may use their 0% APR for balance transfer offers that run for a whopping 18 months.
[+] Gain free access to your FICO score through your BankAmericard Credit card account. Access your credit score through their website online or via their mobile app.
[+] They only charge a 3% balance transfer fee, which is about average as balance transfer fees go. The minimum charge is $10.
[+] Their $0 liability guarantee is a standard credit card feature, but they also offer a ShopSafe that allows you to generate a temporary credit card number for single use purchases.

Citi Simplicity – A Low APR And A Long 0% APR Purchases Introductory Offer

Citi Simplicity

If you want to buy a few things and avoid paying interest on your purchases for a few months, then the Citi Simplicity card is probably the one for you. Their service is suitably sufficient, and their regular APR is not bad.

[+] They will not charge you an annual fee for having or using your credit card, and their APRs vary from 13.24% up to 23.24%.
[+] Citi Simplicity offers an introductory period of 21 months where you do not have to pay interest on your purchases.
[+] They offer the same deal for people who want balance transfers. Make a transfer within a few days of opening your account, and you will not have to pay interest on the transfer for 21 months.
[+] You will not have to pay late fees if you are late making your credit card payments. What is more surprising is that there is also no penalty APR rate for being late making your payments.

Understand How Introductory And Regular APR Rates Work

A regular APR rate is the amount of interest you pay when using your card. If you are not under the conditions of an introductory offer, then you are probably paying the credit card’s standard/regular APR. The cards mentioned in this article have a good annual percentage rate.

Some cards offer a 0% APR rate for things such as purchases. People use these types of offer to make big-ticket purchases and then pay them off without having to pay interest.

You Will Still Have To Pay A Minimum Payment

When you take an introductory offer for 0% APR, you do still have to pay a minimum payment every month to your credit card company. Just because you are not paying interest on your purchases or your balance transfer does not mean you do not have to pay your credit card bill at the end of each billing cycle (once per month).

The reason people like 0% balance transfer and purchase rates is because it saves them money on interest. For example, if you spend $1000 and you are charged 20% interest, then at the by the year, you will have paid $1200. Obviously, if you are making monthly payments, then that amount may be less, but this is just an example. If you have a 0% APR offer, then you only have to pay $1000 through the course of the year.

Introductory Offers May Alter Your Minimum Payments

Remember that you still have to make a minimum payment, even though you may not be paying interest. However, a longer introductory offer may actually affect the minimum payment amount you have to pay on your card to clear your debt.

For example, if you transfer a balance of $1000 with a 0% APR balance transfer offer, then you may be able to lengthen the amount of time you spend repaying the balance.

$83.33 – If the APR offer runs for 12 months, you may only pay back $83.33 per month
$66.67 – If the APR offer runs for 15 months, you may only pay back $66.67 per month
$55.56 – If the APR offer runs for 18 months, you may only pay back $55.56 per month
$47.62 – If the APR offer runs for 21 months, you may only pay back $47.62 per month

Obviously, the best thing you can do is clear your credit card debt as soon as possible. However, if money is tight, you may like to consider the amount you are going to pay in minimum payments. After all, if you are enjoying a long 0% APR period, and there is no penalty for repaying slowly, then taking your time to repay your balance may be worth considering. The only downside to paying your credit card balance off slowly (at least in this case) is that your debt may negatively affect your credit rating. Repay your debt quicker, and it will do your credit rating more good.

Don’t Be Afraid To Switch Credit Cards

The fact you have read this article because you are looking for a credit card with a good APR rate is a shrewd move on your part. If you are looking for a credit card that you want to stick with for a few years, then finding one with the best APR rate is in your interest. However, do not be afraid to switch credit cards on a yearly basis.

Some people are able to sign up for and cancel cards every six months without it hurting their credit rating, but it is a risky move. After you have had your credit card for a year, and if you frequently pay off the balance, then strongly consider getting another credit card and cancelling your current card.

Two Reasons To Switch Credit Cards Yearly

There are two reasons why you should consider switching cards on a yearly basis. The first reason is because one assumes your credit rating is getting better and better as time goes on. If you are managing your money well, and if you are frequently paying off your credit card balance, then your FICO score will probably start climbing. If your credit score is climbing, then you may be able to get a new credit card with a better APR.

The second reason is because the credit card industry is very competitive. Your credit card options may be rather limited this year because the offers are not so hot. However, next year there may be a brand new offer that suits you perfectly. When competition hots up, the credit card companies will sometimes offer valuable introductory offers. They give away things such as long-term APR rates just to draw people in. It may not be such a good idea to stick with your old credit card when other credit card companies are willing to give you more for your money.

I suggest, in my opinion, that you apply for a new credit card before cancelling your old credit card. There are times where people have seen their credit rating rise, so they cancelled their current credit card and went in search of a new one. Only to find that their credit rating dropped a little when they cancelled their credit card, and they are now having trouble finding a credit card with an APR that was better than their old card. That is why I personally suggest that you find and get your new credit card before cancelling your old one.