The Best Low-Interest Rate Kreditkort (Credit Cards)

Low-Interest Rate Kreditkort

One of the features that many look for in Low-Interest Rate Kreditkort (Norwegian for credit card) is a low-interest rate. This is all the more important for individuals who always have monthly balance transfers. For folks in this boat, high interest rates will put them neck-deep in the water of debt. In this blog, you will know the Best Low-Interest Rate Kreditkort (Credit Cards).

Even if you are on another boat where there is smooth sailing and you never fail to pay your full bill at the end of each month, you still need a credit card with lav rente (low-interest rates). Life is unpredictable and you may not know what unexpected event that may occur that will cause you to default payment. 

Since we understand these scenarios all so well, we have decided to reveal to you the best credit cards with low-interest rates. Yes, we know that credit unions have the best low-interest rate cards. However, you need to be a member of such a union to enjoy those perks. Therefore, our picks are from only financial institutions that allow everyone a fair chance of joining their ranks. 

Although you can get any of these cards, you still need to have excellent or good credit. In other words, if your credit score and history are bad, your application for any of these korts (cards) might be turned down. Thankfully, every issuer is obligated by federal law to let you know why your application was rejected.

So, if you feel your credit score is good enough, then here are the best Low-Interest Rate Kreditkort you can choose from…

1. Titanium Rewards Visa® Signature Card from Andrews Federal Credit Union

This plastic offers very lav rente and an amazing rewards program. It doesn’t have any foreign fees and no annual fee. 

You also get to enjoy a variable APR that is as low as 9.49% – 16.49%. Hence, having a balance transfer won’t throw you neck-deep into the water full of high charges. However, you should know that you will have to pay a transfer fee of 1.50% or $50 minimum for each transfer. 

The amazing rewards program we mentioned is that you can get 3X points when you make grocery and gas purchases. You also get 1.5X points for all your other buys. Furthermore, when you join, you get 10,000 points as a welcome bonus. However, within the initial 3 months (90 days) of joining, you need to spend at least $1,500 on the card. 

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For you to get this plastic, you have to join the Andrews Federal Credit Union as it is open to all. However, you must meet their qualification requirements. Visit to learn more about the membership requirements. In the event that you aren’t qualified, you can choose the ACC (American Consumer Council) instead. Just ensure you use “Andrews” as the promo code. 


  • No foreign fees for purchases not done within the U.S.
  • Low variable APR of 9.49% – 16.49%


  • Requires credit union membership; although it is free
  • Balance transfer charges of either $50 or 1.5%; whichever is more
  • Lacks special financing on balance transfers or purchases

Platinum Secured Credit Card

2. DCU Visa® Platinum Secured Credit Card

This secured kort is highly ranked among the secured cards with the best lav rente as it has a variable of 11.50%. You don’t have to worry about annual fees either with this card. The interest of this kredittkort is less when compared to some others that have an interest rate of 20% and above. 

Apart from the above benefit, you can enjoy an auto rental collision damage waiver, travel insurance, and lengthy warranty protection if you own this plastic.

Since it is a secured card, you need to make a minimum deposit of $500 before you access the card. Sadly, this amount is above the usual $200 minimum. Nevertheless, since the deposit becomes your credit, you don’t have much to worry about. It is just a disadvantage for folks who may not have that amount. 

For this kort to be opened, you are required to be a Digital Federal Credit Union member. You can become one through different ways such as through a family or friend, who is already a member, or you work for some certain employers, or you live in a select community, or you contribute to an organization that is participating. The contribution is one-time and can be a minimum of just $10. 


  • Annual fee not required
  • No foreign fee
  • Variable APR of 11.50%


  • Lacks a rewards program
  • Requires credit union membership; you might have to pay $10
  • A high-security deposit of $500 minimum
  • No specified time for upgrading to an unsecured kort. 

3.  Platinum Mastercard® from First Tech® Federal Credit Union

Owners of this Mastercard® get to enjoy an amazing offer on balance transfer. During the initial 12 billing cycles, there is an APR of 0%. Not only that, during this introductory period you don’t get charged for any balance transfer. However, you need to transfer your balance within the first 3 months (90 days) of your account’s existence to enjoy this perk.  The fees come after the initial billing cycle is complete and the variable APR is as low as 10.49% – 18.00%. 

While the card lack rewards, you won’t be charged an annual fee or foreign fee.

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To get this card, you must be a First Tech Federal Credit Union member. Thankfully, you can join without any cost. The methods of becoming a member include being affiliated with certain employers or organizations, living or working in Lane County in Oregon, being related with a member, schooling in Cogswell Poly Technical College, or joining Financial Fitness Association (FFA) or Community History Museum (CHM). First Tech pays for the FFA and CHM membership fee. 


  • Annual fee not required
  • Lacks balance transfer fee
  • Initial 12 billing cycles is APR free
  • Variable APR of 6.99% – 18.00%


  • Lacks a rewards program
  • You must transfer the balance within the first 3 months

 Platinum Mastercard

4. Capital One VentureOne Rewards Credit Card

If you do a lot of traveling and want to get amazing travel rewards while using a kredittkort, then we recommend this card. You get 5X miles on purchases on hotel as well as rental cars when using the card. You get 1.25X miles when you make any other kind of purchase. 

This card doesn’t have an annual fee. Also, you get 0% APR during the 12-month intro period. After that period, the variable APR becomes 15.49% – 25.49%.

The rewards program of this card includes a welcome bonus of 20,000 miles provided that you make up to $500 worth of purchase with the initial 90 days. 

Your miles earned can be transferred to any of the airlines that are in partnership with Capital One such as Emirates Skywards, Air France, Air Canada, and JetBlue. You could also choose to redeem your miles for cash either in account credit or a check, gift cards, etc. 


  • 5X miles on purchases on hotel as well as rental cars
  • APR of 0% for initial 12 months
  • Miles cannot expire


  • Lacks airport lounge access
  • Lacks TSA PreCheck statement credit offerings or Global Entry

World Mastercard


5. Choice Rewards World Mastercard® from First Tech® Federal Credit Union

This Mastercard® has a great rewards program that allows you to make day-to-day purchases such as gas and groceries. When you make a purchase on gas, groceries, medical, electronics, telecommunications, and household goods, you get 2X points. When you make other purchases, you get 1X points. 

Furthermore, you get a bonus of 20,000 points when the card is opened. However, you need to spend at least $3,000 within the first 60 days to get it. 

There are no foreign transaction fees, annual fees, balance transfer fees, and no balance transfer interest. This is the case for the initial 12 billing cycles. However, your transfer must be completed with the first 3 months (90 days) to enjoy these perks. Once the period is over, you get an 11.49% – 18.00% variable APR. 

Just like the Platinum Mastercard® from First Tech® Federal Credit Union, you need to be a member of the First Tech Federal Credit Union. 


  • Annual fee not required
  • Variable APR of 8.25% – 18.00% 
  • Great rewards program 
  • Balance transfers APR of 0% for the initial 12 billing cycles
  • No foreign fee


  • Balance transfers must be within the initial 3 months


There you have it: The 5 best Low-Interest Rate Kreditkort that you can pick from when next you want to get a kredittkort.


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