Find the Best Low Interest Credit Card
Updated 26 March 2026
Compare cards with ongoing APR as low as 11.99%. Use our interest cost calculator to see exactly how much you will pay before you apply.
Low Interest Credit Card Comparison
Sorted by lowest starting APR. Click any card to see full details.
| Card Name | Ongoing APR Range | Annual Fee | Rewards | Credit Required | Details |
|---|---|---|---|---|---|
1 Prime Low Rate Card Editor's Pick | 11.99% - 17.99% | $0 | 1% cash back on all purchases | Excellent (750+) | |
2 Everyday Low APR Card Best No-Fee Low APR | 13.49% - 19.99% | $0 | 1.5% flat cash back on all purchases | Good to Excellent (700+) | |
3 Balance Saver Card Best for Carrying Balances | 14.24% - 20.99% | $0 | 1% cash back on purchases | Good to Excellent (690+) | |
4 Rewards Low Rate Card Rewards + Low APR | 15.49% - 21.49% | $0 | 2% on dining and groceries, 1% elsewhere | Good to Excellent (690+) | |
5 Travel Low Rate Card Travel + Low APR | 16.24% - 21.99% | $95/yr | 2x points on travel and dining, 1x elsewhere | Good to Excellent (700+) | |
6 Secured Low Rate Card Best for Building Credit | 17.49% - 20.99% | $35/yr | 1% cash back on all purchases | Fair (580+) | |
7 Student Low Rate Card Best for Students | 17.99% - 21.99% | $0 | 1% cash back on all purchases | Fair to Good (580+) | |
8 Cash Back Low APR Card Best Cash Back | 17.99% - 21.99% | $0 | 3% on groceries, 2% on gas, 1% on other purchases | Good to Excellent (680+) |
APR ranges shown are representative. Your actual APR will be determined by your creditworthiness at the time of application. Rates are variable and tied to the Prime Rate. Always read the full Schumer Box before applying.
Interest Cost Calculator
Enter your balance, current APR, and monthly payment to see exactly what your card will cost you
The balance you are carrying on your card right now
Check your monthly statement or card agreement for your current APR
How much you plan to pay toward this balance each month
Total Interest at Your APR
$968.13
Paid over 2 yrs 6 mo at 19.99% APR
Time to Pay Off
2 yrs 6 mo
Paying $150.00/month
Monthly Interest Charge
$58.30
First month interest at 19.99% APR
Interest at 11.99% (Low APR Card)
$504.65
Paid over 2 yrs 3 mo
Potential Interest Saved
$463.49
By switching to a lower APR card
Who benefits most from low APR?
Anyone who carries a balance from month to month benefits from a lower APR, because every point of APR you reduce translates directly into lower interest charges. People managing medical debt, home improvement costs, or income variability often find a permanently low rate more useful than a short promotional period that eventually resets to a high standard rate.
Low APR vs 0% intro APR
A 0% intro APR card is ideal if you can pay off your balance within the promotional window, typically 12 to 21 months. A low interest card is better for long-term balance carrying, because once the intro period ends, most 0% APR cards revert to rates of 20% or higher. If you are unsure which to choose, use the calculator on this page to compare the total interest cost under each scenario.
Variable vs fixed APR
Almost all consumer credit cards carry a variable APR tied to the Prime Rate. When the Federal Reserve raises interest rates, your card APR rises by the same amount, usually within one to two billing cycles. Fixed APR cards exist but are rare, and issuers can still change fixed rates with 45 days written notice. A low variable APR today is still better than a high one, and choosing a card with a tight APR range gives you more predictability.