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DISCOVER

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DISCOVER

CITI

CAPITAL ONE

FIRST PREMIER® BANK

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


  • 0% APR on purchases until May 2010
  • 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
  • No annual fee
  • No blackout dates and no seat restrictions
  • Book travel with ANY airline, hotel, cruise line, or rental car company.

Introductory APR

Intro APR Period

Regular APR

Annual Fee

Transfers

Credit Type

0% on purchases *
Until 5/2010 *
13.9%(V) *
None *
Yes
Excellent

DISCOVER® MORE (SM) CARD - EDITOR'S PICK



 MORE DETAILS HERE
  • Offers a 0% introductory interest rate on purchase and balance transfers for 6 months
  • Earn 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
  • Earn up to 1% Cashback Bonus on all other purchases automatically
  • Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
  • Editor's Note: Offer not available to current Discover® card holders
  • Editor's Pick for best overall offer. Click more details below the card to find out why.

Introductory APR

Intro APR Period

Regular APR

Annual Fee

Transfers

Credit Type

0% *
6 Months *
11.99% *
None *
Yes
Very Good

CITI® PLATINUM SELECT CARD


  • Offers a 0% APR* on balance transfers and purchases for up to 12 months.
  • Editor's Note: Based on a review of you application, you may be offered a 0% APR for 6, 9, or 12 months. Applicants with excellent credit will get the longest available 0% introductory periods
  • No annual fee
  • Secure, free online account management
  • Citi® Identity Theft Solutions

Introductory APR

Intro APR Period

Regular APR

Annual Fee

Transfers

Credit Type

0% *
6-12 Mos. *
Low of 11.99% *
None *
Yes
Excellent

DISCOVER® MORE(SM) CARD - AMERICAN FLAG


  • Earn more cash in more ways than anyone else
  • Unlimited cash rewards, automatically
  • Up to 20% Cashback Bonus® when you shop online*
  • Double rewards with more than 100 Cashback Bonus Partners*
  • Customer Service in less than a minute, anytime you want
  • 0% Intro APR for 6 months on Purchases and Balance Transfers

Introductory APR

Intro APR Period

Regular APR

Annual Fee

Transfers

Credit Type

0% *
6 Months *
11.99% *
None *
Yes
Excellent

DISCOVER® MORE (SM) CARD - WILDLIFE COLLECTION


  • 0% Intro APR* on Balance Transfers for 6 months
  • 0% Intro APR* on Purchases for 6 months
  • 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
  • Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners

Introductory APR

Intro APR Period

Regular APR

Annual Fee

Transfers

Credit Type

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

MILES BY DISCOVER® CARD - GET 12,00 FREE MILES



 MORE DETAILS HERE
  • A Miles card with no annual fee!
  • Apply online and earn 12,000 Free Bonus Miles* - equivalent to a $120 discount on most airlines.
  • Editor's Note: 1000 bonus miles are awarded every month during your first year of membership as long as one purchase is made.
  • 0% Intro APR on purchases and balance transfers for 6 Months
  • No blackout dates
  • Double Miles on up to $3,000 in travel and restaurant purchases each year
  • Mile for every $1 you spend
  • Unlimited Miles that never expire*
  • Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash starting at just 1,000 Miles

Introductory APR

Intro APR Period

Regular APR

Annual Fee

Transfers

Credit Type

0% *
6 Months *
11.99% *
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 credit card applications for complete terms and conditions. Information on Smart Credit Choices is presented as is and without warrantly. Before applying, carefully review the credit card application terms and conditions.

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