Saturday, February 04, 2012

Low Interest Credit Cards

Low Interest Credit CardsThe following low interest credit cards feature either a low fixed interest rate or a low introductory Annual Percentage Rate (Intro APR). Some of these credit cards even offer 0% interest on purchases for up to 21 months. Compare low interest credit card offers below and apply online by filling out a secure online application.

14 Low Interest Credit Cards Available. Displaying Offers 1 - 14:

  • 0% intro APR until May 2013 on balance transfers
  • 0% intro APR until May 2013 on purchases
  • No annual fee
  • $0 Fraud Liability if your card is lost or stolen
  • 24-hour travel & emergency assistance gives you a replacement card and cash advance
  • 24-hour roadside assistance
  • Travel accident insurance
  • Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% until May 2013* 0% until May 2013* 10.9% - 18.9% (V)* None* Yes* Excellent Credit*

  • 1.25 miles per dollar on every purchase, every day
  • Earn 10,000 bonus miles, equal to $100 in travel
  • Redeem miles for airline tickets, hotel rooms, car rentals and more
  • No limit on the miles you can earn and miles won't expire
  • Fly free on any airline, any time with no blackout dates
  • 0% intro APR on purchases until February 2013
  • No foreign transaction fees
  • No annual fee
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% until February 2013* N/A 11.9% - 19.9% (V)* None* Yes* Excellent Credit*

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.*
  • 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
  • Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% for 18 Months 0% for 18 Months 11.99-21.99% (Variable)* $0.00* Yes* Excellent Credit*

  • 3 points per dollar spent on eligible Orbitz.com bookings
  • Get 1 point per dollar on all other purchases
  • Bonus points on eligible Orbitz.com bookings
  • No limit on the points you can earn and points don't expire
  • Redeem for travel, merchandise, gift cards and more
  • Earn travel quickly with low redemption minimums
  • 250 point refueling bonus when you redeem points for awards
  • No annual fee
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% until February 2013* N/A 13.9% - 19.9% (V)* None* Yes* Excellent Credit*

  • 0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.*
  • Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
  • Citi® Identity Theft Solutions
  • No annual fee*
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% for 18 Months 0% for 18 Months 11.99-21.99% (Variable)* $0.00* Yes* Excellent Credit*

  • Get the credit you need with no processing fees or application fees
  • $0 Fraud Liability if your card is lost or stolen
  • Pick an image for your card - choose the one shown here, any of the hundreds in our collection, or add your own
  • Access your account 24/7
  • Monitor your spending with free e-mail and text message alerts
  • Automatic reporting to the 3 major credit bureaus
  • Find pre-qualified card offers in 60 seconds without affecting your credit score
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A 10.9 - 24.9% (V)* See terms* Yes* N/A*

  • 0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.*
  • Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
  • Citi® Identity Theft Solutions
  • No annual fee*
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% for 18 Months 0% for 18 Months 11.99-21.99% (Variable)* $0.00* Yes* Excellent Credit*

  • $100 Bonus after you spend $500 in the first 3 months
  • 50% bonus on the cash back you earn every year
  • 1% cash back on all purchases
  • No annual fee
  • Earn unlimited cash rewards that don't expire
  • Redeem cash rewards anytime for any amount, even set up automatic redemption
  • Personalize your card with an image of your choice
  • 0% intro APR on purchases and balance transfers until February 2013*
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% until February 2013* 0% until February 2013* 12.9% - 20.9% (V)* $0 Yes* Excellent Credit*

  • $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
  • 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable
  • 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
  • APR reduction on purchases when using credit wisely
  • No Annual Fee*
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% for 7 Months 0% for 12 Months 12.99%-22.99%* (Variable) $0* Yes* Excellent

  • Earn 5 points per $1 spent on entertainment like music, movies, video game rentals, and sporting events
  • Earn 2 points per $1 spent at restaurants, fast food places, and coffee shops
  • 1 point per $1 spent on everything else
  • 25 bonus points each billing period you keep your account in good standing by paying on time
  • Exclusive MTV rewards, such as MTV merchandise, tickets to MTV events like the VMAs, and MTV show tapings
  • Also, redeem for Travel, Merchandise, Gift Cards and more
  • 0% intro APR - pay no interest on purchases until February 2013
  • No annual fee
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% until February 2013* N/A 13.9% - 19.9% (V)* None* Yes* Excellent Credit*

  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
  • Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus automatic mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% for 15 Months 0% for 15 Months 10.99% - 20.99% (Variable)* $0* Yes* Excellent Credit*

  • $150 in gift cards - When you redeem the 15,000 bonus ThankYou® Points received after $1,000 in purchases within 3 months of account opening
  • 5 ThankYou Points for every $1 spent on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 spent thereafter and for all other purchases*
  • Enjoy no limit on the number of points you can earn
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • No annual fee*
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A 12.99%-22.99%* (Variable) $0* Yes* Excellent

  • $200 cash back after $500 in purchases within the first 3 months of account opening
  • 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment.
  • Each quarter, you can enroll to earn additional cash back in popular categories.
  • 5% average cash back at select merchants through Citi Bonus Cash Center®
  • Full 1% cash back on all other purchases and eligible cash advances.
  • No annual fee*
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
N/A N/A 15.99%-22.99%* (Variable) $0* N/A* Excellent Credit*

  • $100 cash back after $500 in purchases within the first 3 months of account opening
  • 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment.
  • Each quarter, you can enroll to earn additional cash back in popular categories.
  • Full 1% cash back on all other purchases and eligible cash advances.
  • No annual fee*
Intro Purchase APR Intro Balance Transfer APR Regular APR Annual Fee Bal. Trans. Credit Needed
0% for 12 Months 0% for 12 Months 12.99%-22.99%* (Variable) $0* Yes* Excellent Credit*

 

Low Interest Credit Cards

A low interest credit card is recommended over other card benefits if you would like to finance your holiday shopping or a large purchase, or you desire to use a balance transfer to pay off higher interest loans.

Low interest cards can be a great deal, because in addition to long-term low rates, many offer a great introductory rate, typically ranging from 0% to 3.99% annually. The introductory rate may apply to balance transfers, purchases, or both, and it will extend from six months to more than twelve months. After the introductory period, the interest rate on low APR cards typically ranges from 6.5% to around 15.99%.

When you compare low APR credit cards, read the terms and conditions carefully and then weigh all of the above factors to find the card that best fits your needs. To qualify for a lowest interest credit card, you will generally need good to excellent credit rating. However, regardless of your situation, you can still find a low rate credit card that fits your profile. You may even find that your existing card company will lower the rate on the card you have, rather than lose you as a customer.

There are two types of rates on low interest credit cards: "fixed" APR and "variable" APR. If your low interest card has a fixed APR, your rate will, for the most part, remain the same. The credit card company may still change the fixed APR rate, but they will notify you in advance. With a variable APR, the rate on your low interest card is typically linked to the national prime rate; when it changes, your rate may too. If you plan on carrying a balance, a fixed rate is often the best way to go. If you want to transfer a balance, see our collection of cards with 0 APR introductory rates on balance transfers.

If you plan to regularly pay off your balance before the end of the month, you may instead be interested in looking at rewards credit cards that charge slightly higher interest rates, but offer incentives, such as cash back, or airline miles.

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FAQs
Tips & Advice
Glossary
  • APR - Acronym for Annual Percentage Rate. The yearly percentage rate of the finance charge.
  • Intro APR - A low interest rate offered for a limited time, usually for the first 6 to 12 months.
  • Regular APR - A fixed yearly percentage rate of the finance charge.
  • Balance Transfer - The act of transferring the whole or partial balance of one card to another card.
  • Annual Fee - A fee charged by the card issuer for being a card holder.
More Terms