Low-interest credit cards

The benefits of low interest rate credit cards

If you have a credit card balance, you know how quickly the interest can add up. That's why a low interest rate credit card can be a valuable tool for saving money.

Here are some of the benefits of low interest rate credit cards:

  • You'll pay less in interest. The lower your interest rate, the less you'll pay in interest charges. This can save you hundreds or even thousands of dollars over time.
  • You can pay off your balance faster. If you have a high interest rate, it can take a longer time pay off your balance. But with a low interest rate, you can pay off your balance more quickly and save money on interest.
  • You'll have more financial flexibility. It will enable you to make larger payments on your balance, or you can use your card for unexpected expenses without worrying about racking up high interest charges.

How to choose a low interest rate credit card

There are a few things to keep in mind when choosing a low interest rate credit card:

  • Your credit score: Your credit score will determine your eligibility for a low interest rate credit card. The higher your credit score, the better interest rate you'll typically be offered.
  • The length of the introductory APR period: Many low interest rate credit cards offer an introductory APR on purchases and/or balance transfers like the U.S. Bank Shield™ Visa® credit card. Make sure to read the terms and conditions to find out how long the introductory APR period lasts and what the regular APR is after the introductory period ends.
  • Other fees: In addition to the interest rate, there are other fees associated with credit cards, such as annual fees and late payment fees. Be sure to compare the fees of different cards before you choose one.

A low interest rate credit card can be a valuable tool for saving money. If you have a credit card balance, or you're thinking about applying for a new credit card, be sure to compare different cards and choose one with a low interest rate.

U.S. Bank offers a selection of low interest credit cards

U.S. Bank Altitude® Go Visa Signature® Card

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U.S. Bank Cash+® Visa Signature® Card

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U.S. Bank Shield™ Visa® Card

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Disclosures

The creditor and issuer of these cards is U.S. Bank National Association, pursuant to separate licenses from Visa U.S.A. Inc., or Mastercard International Incorporated or American Express, and the card is available to United States residents only. Mastercard is a registered trademark, and the circles design is trademark of Mastercard International Incorporated. American Express is a federally registered service mark of American Express.

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