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LOW INTEREST CREDIT CARD OFFERS

Credit cards listed in the low interest category feature either a low fixed rate APR or a low introductory APR, such as a 0% interest rate on purchases or balance transfers. The majority of credit cards on the market today offer variable long term interest rates that generally fluctuate with the Prime Rate.

Below you will find information on low interest credit cards as well as links to secure online applications. All links open in new windows. If a link fails to open, temporarily disabling your pop-up blocker will fix the problem.

CAPITAL ONE® NO HASSLE MILES(SM) REWARDS


  • 1 mile per dollar spent on purchases up to $1,000 each month
  • 2 miles per dollar above $1,000 each month
  • No limit on the miles you can earn and miles don't expire
  • Redeem for Travel, Merchandise, Gift Cards and more
  • No blackout dates and no seat restrictions
  • Fly FREE on any airline to any destination
  • No foreign transaction fees
  • 0% APR on purchases until November 2010
  • No annual fee

Introductory APR

Introductory APR Term

Regular APR

Annual Fee

BT

Credit Type

0% on purchases *
Until 11/2010 *
13.9%(V) *
None *
Yes
Excellent

DISCOVER® MORE (SM) CARD



 MORE DETAILS HERE
  • 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers*
  • No annual fee
  • Customer Service in less than a minute, anytime you want
  • 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
  • Up to 1% Cashback Bonus on all other purchases automatically
  • Unlimited cash rewards
  • Editor's Pick for best overall offer. Click more details below the card to find out why.

Introductory APR

Introductory APR Term

Regular APR

Annual Fee

BT

Credit Type

0% *
6 Months *
As Low As 11.99% *
None *
Yes
Good

DISCOVER® MORE(SM) CARD - AMERICAN FLAG - 0% TO 12 MONTHS


  • 0% Intro APR for 6 months on Purchases, and up to 12 months on Balance Transfers
  • 5% Cashback Bonus® in categories that change four times a year
  • 5% to 20% Cashback Bonus at top online retailers
  • Up to 1% Cashback Bonus on all other purchases automatically
  • Unlimited cash rewards

Introductory APR

Introductory APR Term

Regular APR

Annual Fee

BT

Credit Type

0% *
12 Months *
As low As 11.99% *
None *
Yes
Good

CITI® PLATINUM SELECT CARD


  • Offers a 0% APR* on balance transfers and purchases for 6 months.
  • No annual fee
  • Secure, free online account management
  • Citi® Identity Theft Solutions

Introductory APR

Introductory APR Term

Regular APR

Annual Fee

BT

Credit Type

0% *
6 Months *
As Low as 11.99%(V) *
None *
Yes
Excellent

SIMMONS FIRST VISA® PLATINUM - NO FEE BALANCE TRANSFERS


  • No balance transfer fee for balances transferred in response to this online offer
  • Does not offer a 0% introductory APR, but does provide a low 7.25% variable APR
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • EDITOR'S NOTE: The above warning comes directly from the company. In today's difficult credit environment, getting denied for one credit card may make it difficult to get approved for another. Unless you have recently seen your credit score and it is higher than 800, we suggest utilizing a free credit report service to check your credit before applying. You can compare these offers on our website.
  • Click Here to Check Your Credit Scores for Free and See if You Can Qualify for this Offer

Introductory APR

Introductory APR Term

Regular APR

Annual Fee

BT

Credit Type

N/A *
N/A *
7.25%(V) *
None *
Yes
Superior

CAPITAL ONE® NO HASSLE MILES(SM) REWARDS - GOOD CREDIT


  • 1.25 miles for every dollar spent on purchases
  • No limit on the miles you can earn and miles don't expire
  • Redeem for Travel, Merchandise, Gift Cards and more
  • No blackout dates and no seat restrictions
  • Fly FREE on any airline to any destination
  • 0% intro APR on purchases until November 2010
  • No foreign transaction fees
  • No annual fee

Introductory APR

Introductory APR Term

Regular APR

Annual Fee

BT

Credit Type

0% on purchases *
Until 11/2010 *
16.9%(V) *
None *
Yes
Good

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Additional Information about Low Interest Credit Card Offers

Although interest rates are near historic lows, many credit card companies remain reluctant to lend money to qualified borrowers at low interest rates. However, many credit card companies are still offering relatively low rates on 0% interest credit cards. Unfortunately, there is a catch. Nearly every credit card advertises the lowest interest rate they offer. This rate is generally reserved for individuals with excellent credit. Those who do not fit into the excellent credit category may be approved for a credit card, but offered a higher interest rate. Oftentimes, this interest rate can be as much as twice the lowest available rate.

When you apply for a low interest credit card, examine the terms and conditions closely. Here, you will find complete details on available rates. As always, the devil is in the details. The same holds true for 0% APR credit card offers. Some credit cards offer 0% interest rates for a full year. Other credit cards offer 0% for up to 1 year. With a card that offers a 0% rate for up to 1 year, you may be approved, but only granted a 0% rate for as little as 3 or 6 months. Obviously, this can be a huge problem, especially if you are doing a 0% interest balance transfer. Again, you can avoid this issue by carefully examining the fine print.

*Important Disclaimer: See online credit card applications for complete details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now" button, you can review the credit card terms and conditions on the issuing company's website.

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