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Best for long intro APR offers
Bankrate score
Rating: 4.3 stars out of 5
4.3
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Bankrate score
Rating: 4.3 stars out of 5
4.3
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Recommended credit score: 670 - 850
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
chance of approval
on Wells Fargo's secure site
Purchase intro APR
0% intro APR for 21 months from account opening
Regular APR
Intro offer
Intro offer is not available for this Wells Fargo credit card.
N/A
Rewards rate
Rewards rate is not available for this credit card.
N/A
Best for rotating-category cash back
Bankrate score
Rating: 4.4 stars out of 5
4.4
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Bankrate score
Rating: 4.4 stars out of 5
4.4
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Recommended credit score: 670 - 850
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on Discover's secure site
Purchase intro APR
0% for 15 months
Regular APR
Intro offer
Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Rewards rate
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
1% - 5%
Best for home improvement
Bankrate score
Rating: 4.3 stars out of 5
4.3
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Bankrate score
Rating: 4.3 stars out of 5
4.3
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Recommended credit score: 670 - 850
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
chance of approval
on Bank of America's secure site
Purchase intro APR
0% Intro APR for 15 billing cycles for purchases
Regular APR
Intro offer
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Rewards rate
Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn unlimited 1% on all other purchases.
1% - 3%
Best for Bank of America customers
Bankrate score
Rating: 3.8 stars out of 5
3.8
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Bankrate score
Rating: 3.8 stars out of 5
3.8
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Recommended credit score: 670 - 850
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
chance of approval
on Bank of America's secure site
Purchase intro APR
0% Intro APR for 15 billing cycles for purchases
Regular APR
Intro offer
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Rewards rate
Earn unlimited 1.5% cash back on all purchases.
1.5%
Best for families
Bankrate score
Rating: 4.6 stars out of 5
4.6
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Bankrate score
Rating: 4.6 stars out of 5
4.6
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Recommended credit score: 670 - 850
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
chance of approval
on American Express's secure site
See Rates & Fees, Terms Apply
Purchase intro APR
0% on purchases for 15 months
APR
Intro offer
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Rewards rate
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% Cash Back on other purchases.
1% - 3%
Best for dining and grocery rewards
Bankrate score
Rating: 5 stars out of 5
5.0
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Bankrate score
Rating: 5 stars out of 5
5.0
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Recommended credit score: 670 - 850
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
chance of approval
on Capital One's secure site
Purchase intro APR
0% intro on purchases for 15 months
Regular APR
Intro offer
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Rewards rate
8% Cash Back on Capital One Entertainment purchases 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply) 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®) 1% Cash Back on all other purchases
1% - 8%
Best for large purchases
Bankrate score
Rating: 4.3 stars out of 5
4.3
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Bankrate score
Rating: 4.3 stars out of 5
4.3
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Recommended credit score: 670 - 850
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
chance of approval
on Wells Fargo's secure site
Purchase intro APR
0% intro APR for 15 months from account opening
Regular APR
Intro offer
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Rewards rate
Earn unlimited 2% cash rewards on purchases
2%
Best 1.5% cash back card
Bankrate score
Rating: 3.8 stars out of 5
3.8
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Bankrate score
Rating: 3.8 stars out of 5
3.8
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Recommended credit score: 670 - 850
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
chance of approval
on Capital One's secure site
Purchase intro APR
0% intro on purchases for 15 months
Regular APR
Intro offer
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Rewards rate
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply Earn unlimited 1.5% cash back on every purchase, every day
1.5% - 5%
Best for flat and bonus cash back rates
Bankrate score
Rating: 4.8 stars out of 5
4.8
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Bankrate score
Rating: 4.8 stars out of 5
4.8
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Recommended credit score: 670 - 850
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on Chase's secure site
Purchase intro APR
0% Intro APR on Purchases for 15 months
Regular APR
Intro offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
Rewards rate
Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service 1.5% on all other purchases
1.5% - 5%
Best for everyday spending
Bankrate score
Rating: 4 stars out of 5
4.0
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Bankrate score
Rating: 4 stars out of 5
4.0
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Bankrate review
Recommended credit score: 670 - 850
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
chance of approval
on Citi's secure site
Purchase intro APR
0% intro for 15 months on Purchases
Regular APR
Intro offer
Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com.
Rewards rate
Special offer: earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Earn 1X ThankYou® Points on All Other Purchases.
1X - 5X
Best credit union card
Gold Visa® Card
*The information about the Gold Visa® Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
*
Recommended credit score: 670 - 850
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Intro offer
Intro offer is not available for this Pentagon FCU credit card.
N/A
Rewards Rate
Rewards rate is not available for this credit card.
N/A
Annual fee
Regular APR
Compare Bankrate’s top low-interest credit cards
Card Name | Variable APR | Best for | Bankrate review score |
---|---|---|---|
Intro Offer: N/A Regular APR: 18.24%, 24.74%, or 29.99% Variable APR | Long intro APR offers | 4.3 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) on Wells Fargo's secure site | |
Intro Offer: Cashback Match Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. Regular APR: 18.24% - 28.24% Variable APR | Rotating-category cash back | 4.4 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) on Discover's secure site | |
Intro Offer: $200 $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Regular APR: 19.24% - 29.24% Variable APR on purchases and balance transfers | Best for home improvement | 4.3 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) on Bank of America's secure site | |
Intro Offer: $200 $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Regular APR: 19.24% - 29.24% Variable APR on purchases and balance transfers | Bank of America Customers | 3.8 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) on Bank of America's secure site | |
Intro Offer: Earn $200 Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Regular APR: 19.24% - 29.99% Variable | Families | 4.6 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) on American Express's secure site See Rates & Fees, Terms Apply | |
Intro Offer: $200 Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening Regular APR: 19.99% - 29.99% (Variable) | Dining and grocery rewards | 5.0 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) on Capital One's secure site | |
Intro Offer: $200 cash rewards Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months Regular APR: 20.24%, 25.24%, or 29.99% Variable APR | Large purchases | 4.3 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) on Wells Fargo's secure site | |
Intro Offer: $200 Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening Regular APR: 19.99% - 29.99% (Variable) | 1.5% cash back | 3.8 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) on Capital One's secure site | |
Intro Offer: Up to $300 cash back Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. Regular APR: 20.49% - 29.24% Variable | Flat and bonus cash back rates | 4.8 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) on Chase's secure site | |
Intro Offer: 20,000 points Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com. Regular APR: 18.74% - 28.74% (Variable) | Everyday spending | 4.0 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) on Citi's secure site | |
Intro Offer: N/A Regular APR: 17.99% Variable APR | Credit union customers |
On This Page
On This Page
- What’s a low-interest credit card?
- Expert advice for low-interest cards
- Our data: What’s the average approval rate of low-interest cards?
- How we assess the best low-interest credit cards
- Frequently asked questions
- Ask the experts
What’s a low-interest credit card?
A low-interest credit card is defined by its APR (annual percentage rate), which can be either variable or fixed. If the low end of the variable percentage is around 18 percent, it generally qualifies as a low-interest card. Most credit cards are variable-rate credit cards, meaning their APRs fluctuate alongside the prime rate.
Paying your balance on time and in full every month is the surest way to avoid interest altogether, and this method is what we recommend first. Alternatively, a low-interest card could help you pay less interest if you carry a balance.
Understanding your card’s interest rate
Although annual percentage rates are expressed on a yearly basis, your lender will charge you each month you carry a credit card balance. It can appear fairly straightforward at first glance, but understanding how that percentage applies to your current balance requires some calculations. For example, if your average daily balance for the billing cycle was $500 and your card’s APR is 15 percent, you’ll find that you owe $6.25 in interest for the month. The formulas are as follows:
Credit card APR ÷ 365 days = Daily periodic rate
(Previous cycle’s unpaid balance + Total purchases) ÷ Number of days in billing cycle = Average daily balance
Daily periodic rate x Average daily balance x Number of days in billing cycle = Total interest charge for the month
Credit card APR | Daily periodic rate | Average daily balance | Total interest charge for the month |
---|---|---|---|
15% | 0.041% | $500 | $6.16 |
How much could you save with a low-interest card?
One Bankrate survey found that 49 percent of cardholders were “debt revolvers” in 2023. As credit card APRs steadily climb, intentionally picking a card with a below-average interest rate could give your wallet a bit of a break.
Current credit card interest rates
Unlike a card with a zero percent intro APR offer, you won’t completely skip interest if you carry a balance on a low-interest card. However, you could still save more than you would with a card that has a high interest rate. Here’s an example of how much interest you’d pay on a card with an 18 percent interest rate versus a balance on a card with an interest rate at the current average of around 20 percent.
Credit card APR | Daily periodic rate | Average daily balance | Total interest charge for the month |
---|---|---|---|
18% | 0.049% | $500 | $7.39 |
20% | 0.054% | $500 | $8.22 |
Pros and cons of low-interest credit cards
Pros
You’ll save on interest: Lower-than-average interest rates mean that if you carry a credit card balance, you won’t incur as much in interest charges.
You can save on existing credit card debt: By completing a balance transfer to a low-interest credit card, you can save yourself a lot on interest payments and consolidate high-interest credit card debt, making your debt payoff journey simpler.
Ideal for large purchases: If you plan to make a large purchase but may need some time to pay it off, a low-interest credit card can be a helpful tool to reduce hefty interest charges.
Cons
Few rewards: Low-interest cards typically come with limited rewards programs. If you want a card that helps you accumulate high amounts of points, miles or cash back, you’ll likely have to pay a little extra.
Credit requirements: You typically need good or excellent credit to qualify for low interest rates. If you’re not at the good-to-excellent level yet, you should improve your credit score before applying for the best approval odds.
Limited long-term value: While low-interest credit cards can be quite helpful, their lack of premium perks and benefits hinder their usefulness, especially for people who pay off their balances regularly.
Still unsure if a low-interest credit card is right for you? Check out our Credit Card Spender Type Tool, where you can get personalized credit card recommendations based on your credit score, spending habits and daily needs.
Bankrate Insight
According to one Bankrate survey, about 93 percent of economists say the Federal Reserve, the entity that sets the prime rate, will likely follow through with cutting interest rates in 2024. However, the rates may remain at record highs for a bit longer as experts are split on whether the cuts will come in the first or second half of the year, making low-interest cards an even more attractive tool to have in the meantime.
Expert advice for low-interest cards
What people are saying about low-interest credit cards
As rising inflation remains a concern, many people online are looking for a low-interest credit card. While big-name issuers dominate the market, credit unions are the go-to recommendation for finding a low-interest credit card for users in the r/CreditCards subreddit and myFICO Forums.
Even Bankrate writer, Garrett Yarbrough, keeps his credit union card because its interest rate is lower than many other cards’ rates.
“Its greatest strength is one of the main reasons to have a credit union card: the interest rate is far less than the typical APR on a card from a major issuer,” he says. “In fact, my credit union card’s current purchase APR is 12.75 percent variable — much less than the current average interest rate and even the 17 percent to 19 percent minimum APR you see on popular cards nowadays.”
Credit union cards typically don’t have flashy rewards, but their business model allows them to pass savings back to customers in the form of lower rates. But if you want the lowest interest rate possible, be prepared to give up rewards.
“You can get some pretty low rates for credit cards, but they usually are from smaller banks/credit unions and won't offer many rewards,” one r/CreditCards user commented*.
Although online users and Bankrate experts recommend always paying in full and taking advantage of your credit card’s grace period to not pay interest altogether, the right low-interest card can mitigate unavoidable charges.
“I still try to avoid carrying a balance since I don’t want to owe interest or hurt my credit score,” Yarbrough says of his low-rate card. “But my credit union card has definitely saved me money in a pinch before, like on college textbooks while between paychecks and on hefty moving expenses when I needed to stay liquid for a month or two."
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Be sure to check the issuer's website/terms and conditions for all up to date content. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
In the news: Experts still foresee a possible recession in the near future
After a year of record-high inflation, the Fed is preparing to cut interest rates within the next year as unemployment falls. However, economists are still wary of the possibility of a recession later this year. Although our survey found the odds of a recession have fallen from 64 percent in Q1 2023 to 45 percent in Q4 2023, many experts say we should still proceed with caution.
By having a low-interest credit card, you guard yourself against a higher-than-necessary interest rate. You may also be able to get a lower-than-average interest rate as the Fed begins implementing rate cuts.
Our data: What’s the average approval rate of low-interest cards?
Around 2 out of 3 adults in the U.S. between the ages of 18 and 29 had at least one credit card in 2023. And while many credit cards are available for almost any type of person, approval isn’t guaranteed.
We dug into our data and looked at the average approval ratings for Bankrate users applying for credit cards on our site.
According to our proprietary data, Bankrate user approval rate for the low-interest credit cards on our site peaked around 71 percent in September 2023 before declining in November and December to 66 percent and 58 percent, respectively. This could be due to holidays, when cardholders may spend more and have higher balances. Then approval rates increased to 64 percent as of January 2024, showing a promising trend.
If you want to know which low-interest cards you have the best chance of being approved for, check out Bankrate’s CardMatch tool to get a better idea of your approval odds or see if the issuer offers preapproval for the card you want.
How we assess the best low-interest credit cards
100+
card ratings
400+
APRs tracked
3000
data points analyzed
40+
perks evaluated
When evaluating the best balance transfer and low-interest cards, we consider a mix of factors, including how cards score in our proprietary card rating system and whether cards offer features that fit the priorities of a diverse group of cardholders.
This includes users who need to carry a balance long term, need as much time as possible to chip away at debt or are looking for maximum long-term value via rewards.
We analyzed over 100 of the most popular balance transfer and low-interest cards and scored each based on its introductory APR, intro APR period length, ongoing APR, balance transfer fee, perks and more to determine whether it belonged in this month’s roundup.
Here’s a quick look at how our rating methodology breaks down for low-interest cards:
5
Rating: 5 stars out of 5
Overall Score
Intro APR and offer length for new purchases40%
Ongoing APR35%
Intro APR and offer length for balance transfers13%
Balance transfer, annual and other fees12%
Frequently asked questions about low-interest credit cards
Ask the experts: Is it possible to get a card with a low interest rate if you have bad credit?
There is a strong correlation between the interest rate you are eligible for and your credit score. The higher your credit score is, the better the rate issuers offer you might be. Even if your credit score is poor, however, you won't be charged any interest if you keep the balance to zero. Most cards will give you a 25 to 30 day grace period. It won’t matter how high your interest rate is, issuers won’t charge finance fees as long as you pay your bill in full before or by the due date. The more you do that, your credit score should rise, so if and when you want a new credit card with a low APR, you will be in a better position to qualify.
India DavisArrow RightEditor, Credit Cards
India Davis is an editor specializing in credit cards and updates. She believes in putting the reader first and carrying out a brand’s voice to its fullest potential. She has…
Courtney MihocikArrow RightSenior Editor, Credit Cards
Courtney Mihocik is an editor at Bankrate Credit Cards and CreditCards.com specializing in credit card news and personal finance advice. Previously, she led insurance content at…
* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.