List of Low Interest and APR Credit Cards



Below is a list of credit cards with low ongoing APR (ie interest rates). The lowest among the list has an APR of 7.25%. We’ve decided to make the cut off point at 10.99% (otherwise the list could go on and on forever). One thing to note is that some cards have just one absolute low rate while other cards has a range of rates that you could be approved of depending on your credit.

We’ve also created a calculator to calculate the savings you could get by switching from your card (assuming it has a higher rate). The savings will come from any 0% APR offer for purchases and from an ongoing low rate. For cards with a range of APR, we use the lowest.

  • Low Interest Calculator


  •  Simmons First Visa Platinum


    Editor's Rating: 4.0/5.0


    Full Review
    Simmons First Visa Platinum
    This card has the lowest ongoing rate available today at 7.25%. There is only one rate and hence you need really excellent credit to get this card.
    Annual Interest Savings:
    ${{ROUND(interest_after_1_year-apr_725, 2)}}
  •  Iberia Bank Visa Classic


    Editor's Rating: 3.8/5.0


    Full Review
    Iberia Bank Visa Classic
    This is another card that offers a 7.25% APR. But if your credit is not the best, you could also be approved for the card and get a higher APR (10.25% and 13.25%).
    Annual Interest Savings:
    ${{ROUND(interest_after_1_year-apr_725, 2)}}
  •  Barclays Ring MasterCard


    Editor's Rating: 4.0/5.0


    Full Review
    Barclays Ring MasterCard
    This is one of the most unique cards today. It offers a flat 8% APR for everything (ongoing APR, Balance Transfer and Cash Advance). What sets this card apart from others is that card members get to vote on new features that they would like to have. (there have already been a couple of implementations - see review)
    Annual Interest Savings:
    ${{ROUND(interest_after_1_year-apr_8, 2)}}
  •  Simmons First Visa Platinum Rewards


    Editor's Rating: 4.2/5.0


    Full Review
    Simmons First Visa Platinum Rewards
    This is perhaps one of the most under rated cards when it comes to airline travel rewards. Also has a very low rate at 9.25%
    Annual Interest Savings:
    ${{ROUND(interest_after_1_year-apr_925, 2)}}
  •  US Bank Visa® Platinum Card


    Editor's Rating: 3.8/5.0


    Full Review
    US Bank Visa® Platinum Card
    This basic card from US Bank has a range of ongoing interest rates but the lowest is at 9.99%. The unique feature of this card is that you get access to a free experian credit score.
    Savings From 15 Month 0% APR:
    ${{ROUND(interest_after_15_months, 2)}}
    Annual Interest Savings:
    ${{ROUND(interest_after_1_year-apr_999, 2)}}
  •  Discover it® Card


    Editor's Rating: 4.2/5.0


    Full Review
    Discover it® Card
    Discover is IMO one of the best cash back cards in the market today. So it is a surprise that the lowest APR they offer is at 10.99%. If you are looking for a good rewards card and have good credit, then this is a very good candidate.
    Savings From 6 Month 0% APR:
    ${{ROUND(interest_after_6_months, 2)}}
    Annual Interest Savings:
    ${{ROUND(interest_after_1_year-apr_1099, 2)}}

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