The best credit cards with low interest rates are those that have either regular APRs well below the market average (if you regularly carry a balance) or the longest 0% intro periods available (for balance transfers and upcoming big-ticket purchases). With those guidelines in mind, our editors compared 1,000+ offers based on their short- and long-term financing appeal to find the best options for different types of consumers. You can find them below, listed by type of the minimum credit standing needed for approval.
2017’s Best Credit Cards with Low Interest Rates
|Best For...||Card Name||Intro Rate||Regular APR||Annual Fee||Credit Required||Editors' Rating|
|New Purchases||Citi® Diamond Preferred® Card||0% for 21 months||12.49% - 22.49%||$0||Excellent||5 Stars|
|Balance Transfers||Chase Slate®||0% for 15 months||15.49% - 24.24%||$0||Good||5 Stars|
|Low Regular Rate||Barclaycard Ring MasterCard®||N/A||8.5%||$0||Excellent||3.8 Stars|
|Fair Credit (Honorable Mention)||USAA Rate Advantage Platinum Visa®*||N/A||7.40% - 24.40%||$0||Fair||3 Stars|
|Bad Credit (Honorable Mention)||First National Bank of Omaha Secured Visa® Credit Card||N/A||18.24%||$0||Bad||4.7 Stars|
*Only available to the military community: current and former members as well as immediate family.
Whenever you carry a balance on a credit card from month to month, make sure to do so with a purpose (and a credit card calculator). Have a good reason for getting into debt and a specific plan for how and when you’re going to get out of it. For example, getting a 0% credit card before a big-ticket purchase and paying off your balance before the 0% term ends is a great approach. Racking up expensive interest charges simply because you’re spending above your means is not.