Compare Low Interest Credit Cards
The low interest credit cards are aptly named so, because they feature both a low introductory APR and a low fixed rate and tend to be better suited to persons who carry a balance month to month. To the average Joe, that’s a lot of financial muscle for those who use credit cards to make daily purchases without fear of large charges. A large percentage of the low interest credit cards also have no annual fee.Simmons First Visa® Platinum
- Excellent Credit Required - Applicants that do not have excellent credit will not be approved
- Low 7.25% variable standard purchase APR and platinum benefits
- No balance transfer fee for balances transferred in response to this online offer
- No Annual Fee
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| N/A | N/A | None | See Terms* | Excellent |
Visa® Black Card
- 24-Hour Concierge Service: Enjoy the personalized assistance of a 24-hour Concierge Service catering to entertainment, travel, business, shopping and lifestyle needs.
- Exclusive Rewards Program: Receive 1% cash back on all purchases with Black Card’s Exclusive Rewards Program.
- Travel Redemption: Redeem points at a higher rate for flights on any airline at any time. No blackout dates or advance purchase requirements.
- Luxury Gifts: Cardmembers receive luxury gifts from some of the world's top brands.
- Travel Lounge Priority Pass: Complimentary membership which provides access to over 600 lounges in more than 100 countries.
- Limited Membership: Membership is limited to ensure the highest caliber of personal service is provided to each Cardmember.
- Black Card Benefits: Cardmembers are eligible for benefits including Worldwide Travel Insurance, Baggage Delay Insurance, Trip Interruption Insurance, Warranty Manager Service and Purchase Security.
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| N/A | N/A | $495 | See terms* | Excellent |
Simmons First Visa® Platinum Rewards
- Excellent Credit Required - Applicants that do not have excellent credit will not be approved
- Low 9.25% variable standard purchase APR and platinum benefits
- No balance transfer fee for balances transferred in response to this online offer
- Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
- Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
- Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
- No Annual Fee
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| N/A | N/A | None | See Terms* | Excellent |
Platinum Card(R) from American Express
- Earn 25,000 Membership Rewards(R) bonus points when you spend $1,000 in 3 months - Redeemable for one round-trip domestic airline ticket!
- 24-hour access to Concierge service for the finest experiences in dining, entertainment, and luxury
- Fine Hotels & Resorts Program - exclusive amenities at boutique, resort, and luxury hotels around the world
- By Invitation Only(R)Events - access to exclusive, once-in-a-lifetime events
- Complimentary Airport Club Access
- The Membership Rewards First(R) program - Enjoy exclusive access to rewards and experiences featuring luxury retail, lifestyle, and world-class travel
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| N/A | N/A | $450 annual fee | See Terms* | Excellent |
Discover® Motiva(SM) Card
- Cash Rewards for your good credit management!
- Get a Pay-On-Time Bonus(SM) equal to a full month’s interest every time you make 6 on-time payments in a row—twice a year, every year
- 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
- Up to 1% Cashback Bonus on all other purchases
- Unlimited cash rewards
- Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
- 3.99% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers*
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| 3.99%* | 6 Months* | None | 3%* | Good |
FAQs on Low Interest Credit Cards
What are Low Interest Credit Cards?
In short these are credit cards that charge a low rate of interest on the money owed.
Who are Low Interest Credit Cards for?
They are everyone, but particularly for anyone who pays off their credit card balance at the end of the month. They are also for anyone looking to save money on credit card spending.
What are the advantages of having a Low Interest Credit Card?
Failure to pay off the credit balance every month ensures less interest will be added to the balance owed every month. Meaning the card holder is able to adequately manage their account by keeping interest additions as low as possible.
Are there any alternatives to Low Interest Credit Card?
There aren’t many alternatives, but if the balance is regularly paid off in a timely fashion, reward schemes might be a possibility.
