Best Low Interest Credit Card Offers



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Interest rates are the most important factor that everyone should consider before applying for the best credit card. The rates can quickly go up and add up, impacting both your credit score if you don't pay them off in time, and your financial stability. To avoid causing financial problems for yourself, and to save as much money as possible on your credit cards, you should get a card that has a zero to very low introductory annual percentage rate of interest charged (APR), or get one with a low fixed rate APR. If you're making larger purchases that you can pay off within the introductory period, you can end up saving hundreds of dollars. So, check out the following low interest credit cards, and find the one best suited for your needs.

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Editor's suggestion: Best Low Interest Credit Card Offers - Nov 15, 2019
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When it comes to choosing a credit card that can help you maintain financial stability, one of the most important factors to consider is the interest rates. Credit cards come with an abundance of fees and rates, and it’s of utmost importance to keep track of them, and of course, pay them off on time.

Considering how the average American household has a credit card debt of $5,700 (US Census Bureau), reading the fine print of the Pricing and Information from your issuer is a must, otherwise, you risk incurring more fees, damaging your credit score, and increasing your interest rates.

There are plenty of low interest credit cards that can help you make the most out of your card, but low interest doesn’t equal 0% interest. So, let’s take a closer look at what exactly interest rates are, how they’re calculated, and when they’re charged, and see all the benefits that low-interest credit cards bring.

What Exactly Are Interest Rates?

Essentially, your credit card’s interest rates are the price that you have to pay for borrowing money from your card issuer. Since credit cards are loans, your credit card issuer will, in most cases, require you to pay a fee for borrowing money.

This fee is known either as an interest rate or as an annual percentage rate (APR). While with some financial products, interest rates and APRs are distinct charges, they both refer to the same thing with credit cards.

Most credit card issuers offer credit cards with variable interest rates, and the rate you’re charged depends mostly on your creditworthiness and your credit score. If you have excellent credit, you can expect to get more favorable interest rates. If you have poor credit, you’ll mostly encounter higher interest rates.

When Are Interest rates charged?

Interest rates are charged only if you carry a balance on your credit card. If you always pay your credit card debts in full, you can benefit from a card with higher interest rates.

If you cannot always pay off your credit card debts on time, it’s important to look for low-interest credit cards.
The average credit card interest rate is around 18%, but it can go up to over 30%, so looking for low-interest credit cards is probably your best choice.

Certain credit card issuers might offer a grace period to their cardholders. This is a period of time, typically from the end of the billing cycle to your next payment due date, when no interest will be charged on your new balance. You should check with your issuer whether they have a grace period.

PRO Tip
If you want to avoid paying the high interest rate on your credit card, the only thing you can do is pay your credit card debts off in time. Even with low-interest credit cards, the interest rates can accumulate, so always try to pay your debts off as soon as possible.

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Market Pro Secure® is an independent payment card comparison service supported by advertisers, a complete list of which can be seen in our Editorial Guidelines. Even though some of these advertisers are financial product providers and credit card issuers, our paid partnerships don't affect card ratings or the Best Card Picks on our website. We don't post any content that is provided or commissioned by any of our partners. However, our paid partnerships may affect how and where products appear on our site, including the order in which they are presented within listing categories. This order may also be affected by our website rules, as well as the likelihood of the applicant’s credit approval. We can't offer any warranty for the accuracy of the credit card information we share on our website, even though we do our best to keep the Terms and Conditions, rates, and other credit card details up-to-date. For more accurate information, click "APPLY NOW" to get transferred to the credit card issuer's official website. Market Pro Secure® doesn't include all available payment cards in the marketplace.

ADVERTISER DISCLOSURE. Market Pro Secure® is an independent payment card comparison service supported by advertisers, a complete list of which can be seen in our Editorial Guidelines. Even though some of these advertisers are financial product providers and credit card issuers, our paid partnerships don’t affect card ratings or the Best Card Picks on our website. We don't post any content that is provided or commissioned by any of our partners. However, our paid partnerships may affect how and where products appear on our site, including the order in which they are presented within listing categories. This order may also be affected by our website rules, as well as the likelihood of the applicant’s credit approval. We can't offer any warranty for the accuracy of the credit card information we share on our website, even though we do our best to keep the Terms and Conditions, rates, and other credit card details up-to-date. For more accurate information, click "APPLY NOW" to get transferred to the credit card issuer's official website. Market Pro Secure® doesn't include all available payment cards in the marketplace.

EDITORIAL DISCLOSURE. Market Pro Secure® doesn't post any content that is provided or commissioned by our advertisers, the majority of which are financial product providers and credit card issuers whose offers we feature on our website. The entirety of our editorial content – including any opinions, analyses, reviews, and evaluations – belongs to the author alone, and has not been reviewed, approved, or otherwise endorsed by our advertisers.