Low Interest Rate Credit Cards are credit cards that offer you a reduced interest rate for balances that you maintain on the card from month to month. Most credit cards charge a very high amount for carrying a balance from month to month on your credit card - this is how the credit card companies make most of their money and can afford to offer all of the competitive perks that the other categories on this site describe.
With a low interest credit card, you can't expect many other perks like rewards or cash back without paying a higher rate. Low interest credit cards will often come with no annual fee and rates between 6.99% and 9.99%, as opposed to the 20%+ you will see on Rewards Credit Cards or Cash Back credit cards. Like many credit cards, the APR is variable and indexed to the prime rate. Most low interest credit cards will also require good to excellent credit.
Low interest credit cards are great if you carry a balance and need to keep the interest low. As with all credit cards, on-time payment history is the best way to ensure that you keep your low rate. Below are some of our favorite low interest credit cards.