Low Interest Credit Cards

For a limited time, Navy Federal Credit Union is offering a 0% fixed intro APR on balance transfers for 12 months with no balance transfer fees. This offer is valid for balances transferred from other card issuer accounts and cannot exceed $30,000.

Navy FCU offers a variety of credit cards, ranging from no annual fee cash back credit cards to cards offering premier rewards at the cost of an annual fee.

In order to join the credit union, you’ll need to be affiliated with the Department of Defense in some way, or be related to someone who is. (See the eligibility checklist here.)

The Bryant State Bank MasterCard offers an introductory 3.25% APR on balance transfers for 6 months with no balance transfer fees; after the intro period expires, the everyday interest rate is a relatively reasonable 11.25%. Some quick simple math shows that the 3.25% intro BT for 6 months with no fees is a better deal than, say, a 0% BT for 6 months with a 3% uncapped fee.

This is not a rewards card, and it does carry a $20 annual fee. However, one other “feature” that may make this card more attractive to some is that the issuer claims only a “fair” credit score is required for acceptance.

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