Interest rates might not be your number one consideration when choosing a credit card if you usually take advantage of interest free days. What happens if plans change for a month or two though? Maybe you decide to finance some holiday shopping. Perhaps you want to transfer a balance from another credit card, and you can’t pay it off in a single statement period. You might lose your job and have to adjust your credit card habits temporarily. In those cases, you might unexpectedly find yourself paying interest on your credit card balance. That’s where having a low interest credit card up front can come in handy.

If you’re looking for a low interest credit card, you might want to consider the Citibank Clear Visa. You’ll get the interest free days you’re accustomed to, as well as a low regular rate on purchases. You can save even more with a special six month balance transfer rate if you made the mistake of choosing a high interest card previously.

Learn more about the Citibank Clear Visa credit card below, and apply online today if you decide this low interest card is right for you.

Type of Credit Card: Low interest credit card / Balance transfer card

Interest Rates*: The Citibank Clear Visa credit card boasts a low regular interest rate on purchases of just 12.49%. Better yet, if you’re looking to transfer a balance from a high interest card, you’ll enjoy a special introductory 2.9% APR for six months.

When your six month introductory balance transfer period expires, any remaining balance from your balance transfer will revert to the cash advance interest rate of 20.74%. Your balance transfer is paid off before your purchases, so keep that in mind if you plan to take advantage of interest free days on purchases.

Annual Fee*: The credit card carries a $65 annual fee.

Rewards / Extras*: While the Citibank Clear Visa isn’t a rewards card, as a cardholder you will be eligible for both Visa Entertainment Offers and Citibank World Privileges, offering you a 25% discount on dining and shopping with participating outlets.

Additional Details*: Citibank’s Clear Visa credit card offers up to 55 interest free days to help you save more money on interest payments if you pay off your balance each statement period.

The card features credit limits up to $20,000, and to be eligible for a Citibank Clear Visa you must have a minimum annual salary of $25,000.

Apply now!

* Interest rates, annual fees, and other credit card details were taken from the most accurate data available at the time of writing. All rates are subject to change from the issuing bank, and their inclusion here in no way serves as a guarantee of rates. Please review rates and terms with the card issuer at the time of application.