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Tuesday, November 10, 2026 Independent since 2026. We are not a lender.
Hub for Credit

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Low interest credit cards

This list includes cards whose purchase APR range tops out at 20% or less, plus cards the issuer itself markets as low-interest. Many come from credit unions: federal credit unions can’t charge more than 18% APR on most loans and credit cards.

A low APR matters only if you carry a balance. If you pay in full every month, rewards and fees weigh more than the rate.

38 cards. Checked on the issuers' official sites on October 16, 2026.

Avadian Visa Secured

Avadian CU · Visa

Annual fee
$0
Rewards
No rewards
APR
14.90% to 16.90%
Credit
Excellent, Good, Poor, Limited
  • No annual fee
  • For fair or bad credit
  • Secured
See details

VISA® Secured

Latino Community CU · Visa

Annual fee
$0
Rewards
No rewards
APR
11.50%
Credit
Excellent, Good, Poor, Limited
  • No annual fee
  • For fair or bad credit
  • Secured
See details

Secured Visa

Maui County FCU · Visa

Annual fee
$0
Rewards
No rewards
APR
7.00% to 17.50%
Credit
Poor, Limited
  • No annual fee
  • For fair or bad credit
  • Secured
See details

cashRewards

Navy Federal

Annual fee
$0
Rewards
Cashback
APR
14.15% to 18.00%
Credit
Excellent, Good, Fair
  • No annual fee
  • Cash back
  • 0% intro APR
  • Balance transfer
  • No foreign transaction fee
  • For fair or bad credit
See details

cashRewards Plus

Navy Federal

Annual fee
$0
Rewards
Cashback
APR
14.15% to 18.00%
Credit
Excellent, Good, Fair
  • No annual fee
  • Cash back
  • 0% intro APR
  • Balance transfer
  • No foreign transaction fee
  • For fair or bad credit
See details

GO REWARDS® Credit Card

Navy Federal

Annual fee
$0
Rewards
Points
APR
13.49% to 18.00%
Credit
Excellent, Good, Fair
  • No annual fee
  • Travel and points
  • 0% intro APR
  • No foreign transaction fee
  • For fair or bad credit
See details

Platinum Credit Card

Navy Federal

Annual fee
$0
Rewards
No rewards
APR
10.24% to 18.00%
Credit
Excellent, Good, Fair
  • No annual fee
  • 0% intro APR
  • Balance transfer
  • No foreign transaction fee
  • For fair or bad credit
See details

PenFed Gold Visa® Card

PenFed · Visa

Annual fee
$0
Rewards
No rewards
APR
17.99%
Credit
Excellent, Good
  • No annual fee
  • 0% intro APR
  • Balance transfer
  • No foreign transaction fee
See details

Secured Credit Card

Rivermark CCU · Visa

Annual fee
$0
Rewards
No rewards
APR
10.90%
Credit
Excellent, Good, Poor, Limited
  • No annual fee
  • For fair or bad credit
  • Secured
See details

Share-Secured Mastercard

SchoolsFirst FCU · Mastercard

Annual fee
$0
Rewards
No rewards
APR
13.90%
Credit
Excellent, Good, Poor, Limited
  • No annual fee
  • For fair or bad credit
  • Secured
See details

Secured VISA

Summit CU (NC) · Visa

Annual fee
$0
Rewards
No rewards
APR
8.95% to 16.95%
Credit
Excellent, Good, Poor, Limited
  • No annual fee
  • For fair or bad credit
  • Secured
See details

How we report

Every article is checked against primary sources: the Consumer Financial Protection Bureau, the Federal Reserve and issuer terms. When a number changes, we update the piece and say when.

How we make money

Some pages contain partner links that may earn us a commission. This never changes what we publish and costs you nothing. No lender pays for placement or for a better review, and nobody outside our editorial team sees a piece before it runs.

What we are not

Hub for Credit publishes independent information about credit cards, loans, and consumer finance. We are not a bank, a lender, or a card issuer, we do not extend credit, and we do not broker applications. Nothing here is personalized financial advice.