Credit card offers often hype special signup deals and exclusive perks. However, consumers who need to carry a monthly balance need to seek out the best low interest credit cards they can find. That usually means trading off rewards, rebates and other privileges in exchange for finance charges that won't break the bank.

Low interest credit cards don't look flashy, often including words like "basic" or "simple" in their titles. If you often carry a few thousand dollars in household credit card debt, switching to a card with an APR of 10 percent or less could save you hundreds of dollars every year.

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
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  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
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  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
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  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
  • Enrollment each quarter is quick and easy
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  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
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  • Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
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  • Created for those with Excellent Credit and approval is based on your credit rating and application review.
  • Low 7.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
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  • Plus Card: 5% cash back on gas paid at the pump with a qualifying PenFed product*
  • Plus Card: No annual fee
  • Standard Card: 3% cash back on gas purchases paid at the pump
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  • Introductory APR on Purchases of 0.00% or 7.50% for 12 months from date opened. (If there is an interest charge, the charge will be no less than $0.50). This rate will not change during the introductory period. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Low Introductory APR on Balance Transfers of 1.99% or 7.50% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Low Ongoing Variable Rate APR, after introductory period, APR of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, or Prime + 8.25%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $0.50).
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  • No annual membership fee
  • Low variable rate of 7.25%, 10.25%, or 13.25% based on the creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
  • 5000 Reward Points bonus on first purchase
  • 2X Rewards for First 60 days
  • $1 purchase = 1 reward point
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  • Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $0.50).
  • Low Introductory APR on Balance Transfers of 1.99% for the first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Disclaimer:*These quotes are from credit card issuers which have paid for a link to their website. Offers are subject to change without notice and may not be the same for all consumers.

Find the Best Low Interest / Low APR Credit Card

Low interest cards help you pay off your credit card debt

Even though low-interest credit cards get tagged as "no-frills," frugal consumers know how to use them to pay down debt quickly. Let's look at a quick example.

Let's assume you've got $250 per month to put toward your credit card bills. Transferring a balance of $10,000 to a 0% APR credit card with a 12-month promotional period may look like a money-saving move. However, after the first year, you'll have paid only $3,000, leaving $7,000 on the new card. That's when your 20 percent "go-to rate" kicks in, meaning you'll spend another 39 months and $2,500 in interest clearing your bill.

But if instead you put that $10,000 on a low-interest credit card with an APR under 10 percent and pay $250 per month, you'll save over $300 on your interest while clearing your debt two months sooner. If you've been unable to qualify for a zero-interest credit card, or you don't think you'll be able to pay it off by the end of the promotional period, a low-interest card may be your best option.

Not just the "generic" of credit cards

If you've ever bought store-brand items at your neighborhood supermarket, you already know that you don't always have to sacrifice quality for price. Your "no frills" card may not look flashy, but it will still work great as a tool to help you spend and save wisely.

Low-interest credit cards still carry plenty of perks and protections, especially for cardholders who use them to make routine purchases every month. Without being tied to a promotional offer, a long-term, low-interest account won't penalize you as harshly if you happen to make a late payment. In fact, some recent ad campaigns have announced low-interest credit cards that offer no late payment or over-limit fees at all, emphasizing their simplicity and flexibility.

A basic credit card for emergencies

Simple and flexible credit cards also work well for families who want an available line of credit without the hassles of annual fees or service charges. Unexpected medical bills, auto repairs and appliance replacements that would normally put stress on a working household can float for a short time on a low-interest credit card.

You can even protect your family from paying for damage or theft of your valuables purchased with a basic credit card. Many credit card companies offer purchase protection programs that can either replace broken or stolen goods, or even cover some of the repair costs after a break-in or an accident.

Finding the best low-interest credit cards online

Looking for the best credit cards means understanding the benefits that would serve you and your family the best. Today's credit card offers have become so customized that it's possible to negotiate just about any element of a new account. Your low-interest rate might come with a lower credit limit and few rewards, but with no annual fee. And the better your credit score, the lower your finance charges will go. As credit card companies mine consumer databases to generate pre-approval offers, you may even find a low-interest card already waiting for you at one of the country's leading lenders.