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.

American ExpressÂ® Gold Card

Consumers can experience exclusive shopping, entertainment and travel and earn 10,000 Membership RewardsÂ® bonus points after your first purchase with the card - redeemable for a $100 gift card!

Earn 10,000 Membership Rewards® bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
The Membership Rewards® program - Earn 1 Membership Rewards® point for virtually every dollar you spend and redeem for your choice of travel, shopping, and entertainment rewards.
Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
Express Approval. Get a decision in less than 60 seconds.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	N/A	125.00	Yes	Good

AMEX - The Platinum CardÂ® from American Express

Earn 25,000 Membership Rewards® bonus points when you spend $1,000 in your first 3 months of Card membership redeemable for one domestic round-trip Coach-Class airline ticket!
Airport Club Access: Access airport lounges around the world, compliments of Airport Club Access Program.
24-Hour Concierge Service: From buying gifts to making reservations, the Platinum Card® Concierge is at your service so you can spend your energy doing what you want.
FINE HOTELS & RESORTS: Receive special amenities and comforts when staying at more than 600 boutique, resort and luxury hotels around the world.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	N/A	$450	No	Excellent

MBNA Platinum PlusÂ® MasterCardÂ® Credit Card

No annual fee and around-the-clock fraud protection. Unparalleled 24-hour customer service. International acceptance at millions of locations.

1.99% introductory Annual Interest Rateâ€ for 10 months on Cheque Cash Advances and Balance Transfers*
17.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
Around-the-clock fraud protection
Online access to your credit card account
Unparalleled 24-hour Customer service

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	17.99%	0.00	Yes	Good

Discover® Motiva^SM Card

The MotivaSM Card was designed for consumers who carry a balance and feel underappreciated by card issuers rather than rewarded for being some of their best customers. Each time cardholders make six consecutive on-time monthly payments with the Discover MotivaSM Card, they receive their next month's interest back as a Pay-On-Time Bonus.

Cash rewards for your good credit management
Each time you make 6 on-time payments in a row, you'll get a Pay-On-Time Bonus equal to a full month's interest added to your Cashback Bonus account
5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
Up to 1% unlimited Cashback Bonus on all other purchases
3.99% intro APR on balance transfers for a full 15 months, then the Regular APR

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
3.99%	Purchases=12 months;Balance Transfer=15 months	11.99% - 20.99%	0.00	Yes	Good

AMEX - The Delta Reserve Credit Card

The Delta Reserve Credit Card: Discover a noticeably richer travel experience.

Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
Earn up to 10,000 Medallion(R) Qualification Miles (MQMs) after your first purchase
Built-in Miles BoostSM - earn up to 30,000 MQMs and 30,000 bonus miles
Complimentary Crown Room Club(R) access for you and two guests
Access to American Express(R) Concierge Services

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	14.50% variable	$450.00/year	Yes	Excellent

American Octane Onyx Card

Apply for the American Octane Onyx Card Today!

0% APR on all purchases for life
Unsecured Line of Credit
100% Approval*
24 hour Approval Process
No hidden fees

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	N/A	N/A	N/A	N/A

Merit Platinum Card

Bad Credit, No Credit? Instant Approval! Apply for the Merit Platinum Card Today!

0% Interest
No Credit Check
No Employment Check
Reports to Major Credit Bureau

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
n/a	N/A	0.00	*see terms	no	None

IBERIABANK Visa Platinum

Apply for the IBERIABANK Visa Platinum today!

No annual membership fee
Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate.
Low Introductory ARP on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months
Earn 1 bonus point for every $1 in qualifying net retail purchases
Turn your points into hotel, gift, or experience rewards

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	Prime+5%-Prime+11%	$0.00	Yes	Excellent

Discover® Student Open Road Card

This program offers consumers the opportunity to apply for the Discover® Student Card offer.

Make your money worth More^SM*
Unlimited cash rewards, automatically
5% to 20% Cashback Bonus at top retailers through our exclusive online
Turn your Cashback Bonus into bigger rewards every time you redeem
Customer Service in less than a minute, anytime you want

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	N/A	N/A	N/A	N/A

MBNA WorldPointsÂ® MasterCardÂ® Credit Card

The most rewarding MasterCardÂ® Credit Card. Introductory bonus of 1,000 WorldPointsÂ®*

1,000 Bonus WorldPoints after your first purchase*
No Annual Fee
19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
Earn 1 WorldPoint for every $1 in net retail purchases*
Around-the-clock fraud protection

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	19.99%	0.00	Yes	Good

IBERIABANK Visa Classic

Apply for the IBERIABANK Visa Classic today!

No annual membership fee
Low variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate.
Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months
Online access to credit card account information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	prime+4%-prime+10%	$0.00	Yes	Excellent

Discover® Student Card

Sign up for a Discover® Student Card today and Earn more cash in more ways than anyone elseSM*. Earn 5% Cashback Bonus® in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many more* and up to 1% Cashback Bonus on all other purchases automatically*. Apply Now!

Make your money worth More^SM*
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

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%	6 months	as low as 13.99%-20.99%	0.00	No	Fair

MBNA - Best Western MasterCardÂ® Credit Card

This program gives Canadian consumers the opportunity to apply for the Best Western MasterCardÂ® Credit Card. With the Best Western MasterCardÂ® Credit Card, Earn Gold Crown Club points for your everyday expenses!

Earn 1.5 Best Western Rewards points for every $1 in net retail purchases*
Receive 20,000 bonus Best Western Rewards points after your first qualifying purchase
No Annual Fee
19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
Around-the-clock fraud protection

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	19.99%	$0.00	Yes	Excellent

MBNA PremierRewardsÂ® MasterCardÂ® Credit Card

Use your MBNA PremierRewards%%RT%% Platinum Plus%%RT%% MasterCard%%RT%% credit card for every day shopping, groceries, gasoline, even to pay your utility bills and get 1% back*! Your payment will automatically be credited back to your account in January.

1% back on all net retail purchases*
No Annual Fee
19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
Around-the-clock fraud protection
Online access to your credit card account

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	19.99%	0.00	Yes	Good

AMEX - Starwood Preferred GuestÂ® 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.

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 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

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
2.90%	on purchases and balance transfers for 6 months	15.24% variable	45.00	Yes	Good

Discover ® More ® Card - Clear

Sign up for a Discover® More® Card - Clear card today and enjoy 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall.

5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
0% intro APR on purchases and balance transfers for 6 months, then the Regular APR
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
Up to 1% unlimited Cashback Bonus on all other purchases
No Annual Fee

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%	6 months on Purchases & Balance Transfers	11.99% - 20.99%	0.00	Yes	Good

IBERIABANK Visa Gold

Apply for the IBERIABANK Visa Gold today!

No annual membership fee
Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate.
Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months
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

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	Prime+5%-Prime+11%	$0.00	Yes	Excellent

AMEX - True EarningsÂ® Card from Costco and American Express

With this offer, consumers can 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

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

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%	on purchases for up to 6 months	15.24% variable	N/A	Yes	Excellent

MBNA Gold MasterCardÂ® 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

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

Biodegradable Discover® More® Card

Put more green in your wallet with the Biodegradable Discover® More® Card. New biodegradable card plastic breaks down 99% within five years in landfill conditions and leaves no toxic effects behind.

0% intro APR on purchases and balance transfers for 6 months, then the Regular APR
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
Up to 1% unlimited Cashback Bonus on all other purchases
No Annual Fee

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	*See terms	11.99% - 20.99%	$0.00	Yes	Good

AMEX - Platinum Delta SkyMilesÂ® Credit Card from American Express

Earn 20,000 bonus SkyMiles(R) (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember

Earn 20,000 bonus SkyMiles(R) (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember
Earn one companion Coach Class ticket each year upon renewal
Earn at least 1 mile for every eligible dollar spent1 mile for eve
Miles never expire and there is no cap on the miles you can earn
Pay with Miles: Pay for all or part of your flight with miles - and put the rest on your Card

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	14.50% variable	$150 per year	YES	Good

Discover® More® Card

With the Discover® More® Card consumers can earn 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall.

0% intro APR on balance transfers for a full 15 months, then the Regular APR
0% intro APR on purchases for a full 6 months, then the Regular APR
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
Up to 1% unlimited Cashback Bonus on all other purchases
No Annual Fee

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%	Intro APR Period: Purchases=6 months;BT=15 months	11.99% - 20.99%	0.00	Yes	Good

New Millennium Bank Secured Platinum VisaÂ® or MastercardÂ®

New Millennium Bank is now offering secured VisaÂ® and MasterCardÂ® credit cards for those individuals wishing to establish or repair their credit. With credit lines secured by their savings account in amounts between $300.00 and $5,000.00, these cards can be used just as you would any credit card at over 10 million establishments worldwide. People CAN apply to get both cards and they can even add a co-applicant name and get additional cards.

Reports to ALL 3 Bureaus
No Credit Check
Be Approved Regardless of Credit History
Special High Introductory Savings Rate
Bonus $3,000 credit line with My Computer Club

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A	N/A	19.50%	59.00	No	Bad

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.