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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.
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DISCOVER® MORE(SM) CARD - EDITOR'S CHOICE |
MORE DETAILS HERE
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- 0% Intro APR for 6 months on Purchases, and up to 12 months on Balance Transfers*
- Editor's Note: Discover is our top pick amongst credit card companies because they have proven to be the most customer friendly credit card company during the past two years. Unlike most major credit card companies, Discover did not dramatically raise interest rates on their customers in 2009 and generated virtually no negative feedback in the past year.
- No annual fee
- 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
- $0 Fraud Liability Guarantee
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Introductory APR |
Introductory APR Term
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Regular APR
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Annual Fee
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Credit Type
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0% *
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12 Months *
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As Low As 11.99% *
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None *
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Good
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CAPITAL ONE® NO HASSLE MILES(SM) REWARDS |
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- 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 January 2011
- No annual fee
- $0 Fraud Liability if your card is lost or stolen
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Introductory APR |
Introductory APR Term
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Regular APR
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Annual Fee
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Credit Type
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0% on purchases *
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Until 1/2011 *
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13.9%(V) *
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None *
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Excellent
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CAPITAL ONE® NO HASSLE CASH(SM) REWARDS - EXCELLENT CREDIT |
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- 2% cash back on gas and groceries
- 1% cash back on all other purchases
- No limit on the cash you can earn and cash won't expire
- Redeem cash rewards for statement credit, check or gift card
- Get your cash back whenever you want, even set up automatic redemption
- 0% APR on purchases until January 2011
- No foreign transaction fees
- No annual fee
- $0 Fraud Liability if your card is lost or stolen
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Introductory APR |
Introductory APR Term
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Regular APR
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Annual Fee
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Credit Type
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0% on purchases *
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Until 1/2011 *
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14.9%(V) *
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None *
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Excellent
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CITI® PLATINUM SELECT® CARD |
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- 0% APR* on balance transfers and purchases for 7 or 12 months
- No annual fee
- Citi® Identity Theft Solutions
- $0 Liability on unauthorized purchases
- Secure, free online account management
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Introductory APR |
Introductory APR Term
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Regular APR
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Annual Fee
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Credit Type
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0% *
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up to 12 Months *
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As Low as 11.99%(V) *
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None *
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Good
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SLATE(SM) FROM CHASE |
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Introductory APR |
Introductory APR Term
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Regular APR
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Annual Fee
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Credit Type
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0% *
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up to 12 Months *
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As low as 13.24% Variable *
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None *
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Good
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MILES BY DISCOVER® CARD |
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Introductory APR |
Introductory APR Term
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Regular APR
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Annual Fee
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Credit Type
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0%* *
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6 Months* *
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11.99% - 19.99%* *
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None *
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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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