LOW INTEREST CREDIT CARDS

Low interest credit cards saves money on interest expense and are issued to people with good to excellent credit rating. These cards are also very important for customers who are planning to consolidate credit card loans, make large purchases and carry a credit card balance from month to month.
 
   Low rate credit card offers
Starwood Preferred Guest® Credit Card from American Express


Apply now for: Starwood Preferred Guest® Credit Card from American Express

Apply today for the Starwood Preferred Guest® Credit Card from American Express!

  • Earn up to 25,000 Starpoints® – enough for up to 6 free nights at a category 1 or 2 hotel.
  • Use Starpoints® for free nights and upgrades at over 860 participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
  • No annual fee for the first year and $45 thereafter
  • Transfer Starpoints® – almost always on a 1:1 basis – to the frequent flyer programs of over 30 major airlines
  • Earn one Starpoint® for every dollar you spend and double Starpoints® at participating Starwood properties and retail partners
  • Express Approval. Get a decision in less than 60 seconds.

*See website for complete terms and conditions of card usage and application disclosure.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
2.90% 6 months 13.24% $45.00 Yes Good

IBERIABANK Visa Platinum


Apply now for: IBERIABANK Visa Platinum

Apply for the IBERIABANK Visa Platinum today!

  • Variable Rate APR ranging from Prime + 6.5% thru Prime + 13.00%
  • Earn 1 bonus point for every $1 in qualifying net retail purchases
  • Turn your points into hotel, gift, or experience rewards
  • Travel accident coverage up to $1,000,000
  • No annual membership fee
  • Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.

*See website for complete terms and conditions of card usage and application disclosure.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A Prime+6.5%-Prime+13% $$0.00 Yes Excellent

MBNA Gold MasterCard® Credit Card – Fixed 9.99% AIR


Apply now for: MBNA Gold MasterCard® Credit Card – Fixed 9.99% AIR

Credit limit up to $100,000. International acceptance at millions of locations. Immediate cash access at 430,000 ABMs internationally.

  • 9.99% Annual Interest Rate on Purchases and Cash Advances
  • No Annual Fee
  • Around-the-clock fraud protection
  • Online access to your credit card account
  • Unparalleled 24-hour Customer service
  • Immediate cash access at 430,000 ATMs internationally

*Please refer to online application legal disclosures

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 9.99% $0.00 Yes Good

Discover® Student Card


Apply now for: Discover® Student Card

Apply today for the Discover® Student Card!

  • Make your money worth MoreSM*
  • Unlimited cash rewards, automatically
  • 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
  • Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners
  • Customer Service in less than a minute, anytime you want

*View Rates, Fees, Rewards and Other Important Information
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 6 months 14.99% $0.00 No Fair

AMEX – TrueEarningsSM Card from Costco and American Express


Apply now for: AMEX – TrueEarningsSM Card from Costco and American Express

Apply today for the True Earnings® Card from Costco and American Express.

  • Earn cash back on gas and a $25 statement credit with your first purchase made with the Card!
  • Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
  • No Annual Fee with your paid Costco Membership
  • The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
  • No Limit on the Cash Back earned

*See Card Terms and Conditions
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% for up to 3 months 13.24% $0 Yes Excellent

Discover® Open Road® Card


Apply now for: Discover® Open Road® Card

Apply today for the Discover® Open Road® Card!

  • 5% Cashback Bonus® on your first $100 in gas and auto maintenance purchases each month – up to $1,200 in purchases each year
  • 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
  • Up to 1% Cashback Bonus on all other purchases
  • Unlimited cash rewards
  • Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners
  • No Annual Fee
  • Online Account Access
  • Online Bill Payment

*View Rates, Fees, Rewards and Other Important Information
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 6 months for Purchases & Balance Transfers 11.99% - 18.99% $0.00 Yes Good

Discover® More® Card


Apply now for: Discover® More® Card

Apply today for the Discover® More® Card!

  • 5% Cashback Bonus®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many more
  • 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
  • Up to 1% Cashback Bonus on all other purchases automatically
  • Unlimited cash rewards
  • Turn your Cashback Bonus into bigger rewards everytime when you redeem for gift cards from over 100 brand-name Partners
  • No Annual Fee
  • Online Account Access
  • Online Bill Payment

*View Rates, Fees, Rewards and Other Important Information
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 6 months on purchases and balance transfers 11.99% - 18.99% $0.00 Yes Good

Pharmaprix MasterCard® Credit Card


Apply now for: Pharmaprix MasterCard® Credit Card

Apply for the Pharmaprix MasterCard® Credit Card!

  • Earn 25 pointsii for every $1 in purchases at Pharmaprix using your Pharmaprix Optimum MasterCard® when you show your Pharmaprix Optimum Card®
  • No Annual Fee
  • 1.99% Introductory Annual Interest Rate  on Cheque Cash Advances and Balance Transfers* for 6 months
  • Feel secure with around-the-clock fraud protection
  • Enjoy free online access to your credit card account
  • 19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances

*Please refer to online application legal disclosures

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
1.99% on Balance Transfers 19.99% $$0.00 Yes Excellent

IBERIABANK Visa Gold


Apply now for: IBERIABANK Visa Gold

Apply for the IBERIABANK Visa Gold today!

  • Variable Rate APR ranging from Prime + 6.5% thru Prime + 13.00%
  • Earn 1% in cash back credit on all qualifying purchases
  • No limit on cash back; no expiration date on eligibility for accounts in good standing
  • Travel accident coverage up to $500,000
  • No annual membership fee
  • Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.

*See website for complete terms and conditions of card usage and application disclosure.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A Prime+6.5%-Prime+13% $$0.00 Yes Excellent

Low Rate Credit Cards Can Offer the Popular Zero Introductory Rate That Can Last up to 12 months

Having a good credit rating qualifies you for some of the best low interest credit cards with no annual fees and balance transfer options.

The most beneficial feature of low rate credit cards is the popular zero introductory rate that can last up to 12 months. These offers may only apply to the balance transfer and not to new purchases and cash advance. Therefore, making purchases and taking cash advance with your promotional offer credit card may result in paying multiple interest rates. Individuals who are planning to make purchases and carry a credit card balance each month may be better off with a fixed rate. Customers will need to decide if a 0% intro APR or a fixed low APR credit card is better suited for their personal needs. It's not uncommon for the finance rate to shoot up dramatically after the introductory period expires. Therefore, customers should know what the finance rate will be after the promotional period ends.

The promotional offer or interest free period can save hundreds of dollars in finance charge. During this promotional period no interest charge is accrued if the account is in good standing. Many customers utilize this period to transfer balance from high interest rate credit cards to 0% intro APR credit cards to save money on interest charge. These cards are also very important for customers who are planning to consolidate credit card loans, make large purchases and carry a credit card balance from month to month. Credit card issuers charge a fee to do a balance transfer. This fee varies from bank to bank so it is a good idea to shop around for the best deal. Individuals with excellent credit score can ask to have the fee waived.

These cards can be very versatile because they have similar feature to a standard credit card. Features can be similar to a standard credit card such as cash back, rewards, no annual fees, bonus miles etc. It's important to compare features and apply for the card that fulfils your needs. Paying your entire outstanding credit card balance on time each billing cycle is the only way to avoid paying interest charge. This may not be financially feasible for many customers due to the fact that they do not have the available funds. Therefore, by using a fixed rate credit card to make purchases and maintaining a credit card balance will be the next best choice to save money on interest charge. The amount of interest accrue on your account depends on the rate you receive.

It's a common situation for individuals with bad credit to pay credit card companies large fees and interest charges. This situation keeps the card holder indebted to the credit card companies for years to come if no action is taken. This is a good reason to have excellent credit to avoid high finance charge and fees. Credit card issuers can change the rate of interest on your credit card for several reasons such as making late payment, poor payment history with other creditors, applying for too much credit etc. To maintain good credit habits only charge what you know you can afford.
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Compare the best low interest credit cards with 0% balance transfer
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