Best Low-Interest Credit Cards with the Lowest Ongoing APRs

low interest credit card

If you regularly carry a credit card balance, your biggest enemy is interest. While many cards offer promotional 0% APR deals, the real cost kicks in once those intro periods end. That’s why choosing a credit card with a low ongoing APR is crucial for long-term savings.

Unlike rewards-heavy cards that come with higher rates, low-interest credit cards are designed to help you manage debt more affordably. Here are some of the top credit cards with the lowest ongoing APRs currently available in 2025.

1. BankAmericard® Credit Card

  • Ongoing APR: 16.24% to 26.24% variable
  • Intro APR: 0% for 18 billing cycles on purchases and balance transfers (within 60 days)
  • Annual Fee: $0

This card offers one of the lowest starting APRs on the market. After the generous intro period, cardholders who qualify for the lower rate can continue saving on interest. Ideal for anyone who regularly carries a balance and wants to keep costs down long term.

2. Wells Fargo Reflect® Card

  • Ongoing APR: 18.24% to 29.99% variable
  • Intro APR: 0% for up to 21 months on purchases and qualifying balance transfers
  • Annual Fee: $0

This card is great for those who want maximum time to pay down balances interest-free. With a long intro APR and a reasonable ongoing rate (if you qualify), it’s a strong choice for larger balances and gradual repayment.

3. U.S. Bank Visa® Platinum Card

  • Ongoing APR: 18.74% to 29.74% variable
  • Intro APR: 0% for 18 billing cycles on purchases and balance transfers
  • Annual Fee: $0

This card doesn’t offer rewards but excels in keeping interest low. It’s best suited for people who want long-term financial breathing room and don’t need added features or perks.

4. Simmons Visa® – Low Rate Credit Card

  • Ongoing APR: Around 13.75% variable
  • Intro APR: None
  • Annual Fee: $0

The Simmons Visa® is a standout for its extremely low ongoing APR. While it lacks an introductory offer or rewards, it’s ideal for those who carry a balance regularly and prioritize long-term interest savings. Note: you’ll need excellent credit to qualify.

5. First Tech Platinum Mastercard®

  • Ongoing APR: As low as 11.24% variable
  • Intro APR: None
  • Annual Fee: $0

This credit union card has one of the lowest ongoing interest rates available. You may need to join First Tech Federal Credit Union to apply, but for long-term debt holders, the savings are well worth the extra step.

How to Maximize Savings with Low-APR Credit Cards

  • Apply with excellent credit: The best APRs are usually reserved for scores of 740 and above.
  • Look beyond intro rates: Focus on the long-term APR you’ll pay after promotional periods end.
  • Pay more than the minimum: Even a low APR will add up over time if you only pay the minimum.
  • Skip the extras: Basic cards without rewards often carry lower interest rates.

Final Thoughts

If you carry a balance month to month, choosing a card with a low ongoing APR can help you save significantly on interest. From no-frills national cards like the BankAmericard® to ultra-low-rate credit union options like the First Tech Platinum Mastercard®, the right card can help you manage debt smarter and cheaper.

Check current rates before applying and always review the full terms and conditions. Saving on interest is one of the smartest financial moves you can make—especially when you carry a balance regularly.