The most important criterion in compiling this list was each credit card’s regular APR. The cards listed here don’t offer rewards or premium benefits, but they do offer low interest rates (at least for consumers with good enough credit scores to qualify for the best rates).
In addition, none of the cards here charge an annual fee. If you’re trying to save money with a low-interest card, you probably don’t want to pay a fee just to carry your card.
We also considered accessibility. Many of the cards listed here require credit union membership; however, at least our top pick and the runner-up make it easy for anyone to join.
Finally, we included a selection of 0% intro APR credit cards. While these cards might not have the lowest regular APRs, for consumers who need a set window of time to pay off debt, they offer a chance to avoid interest charges entirely.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
The information related to the Qside MasterCard Classic Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.