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Credit Card Reviews for Low Ongoing Rate

Discover it® card

By  Curtis Arnold, CardRatings contributor
With a fresh look and a focus on customer service, the Discover it card aims to win back the cash back credit card category that the original Discover card invented in the 1980s. With no annual fee, no foreign transaction fee, and amnesty for many of the situations that cause most banks to hike their rates and fees, Discover it card has the potential to set a new standard for American rewards credit cards.

PenFed Premium Travel Rewards American Express® Card

By  Curtis Arnold, CardRatings contributor
This card offers 5 Points on airfare purchases and 1 Point on all other purchases. Card members enjoy a premium collection of travel privileges.

PenFed Promise Visa® Card

By  Curtis Arnold, CardRatings contributor
Pentagon Federal Credit Union serves members of DOD-related groups such as military, defense related companies, Homeland Security, VFW, and more. What I like best is how the card features no fees.

Simmons Bank Visa® Platinum

By  Curtis Arnold, CardRatings contributor
If you need the Simmons Bank Visa Platinum, you probably can't get the Simmons Bank Visa Platinum. That's because this credit card for excellent credit operates at an intersection rarely crossed by most Americans: a no frills, no annual fee credit card with one of the lowest APRs on the market, available exclusively to applicants with zero blemishes on their credit reports.

Simmons Bank Visa® Platinum Rewards

By  Curtis Arnold, CardRatings contributor
The card has an exceptionally low interest rate and no annual fee--a rarity for airline cards. Points can be redeemed for travel on any United States based airline with no blackout dates or seating restrictions.

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Meet our editors

Amber Stubbs
Amber Stubbs
CardRatings Editor

Amber has been researching the credit card industry for more than nine years and has been interviewed by members of the national media including USA Today, The New York Times, Time, TheStreet.com, and The Chicago Tribune. Amber became passionate about personal finance after overcoming difficulties with her own credit.

Curtis Arnold
Curtis Arnold
CardRatings Editor

Curtis, a nationally recognized consumer educator and advocate, has been educating consumers about credit cards since 1998. Curtis is the author of “How You Can Profit from Credit Cards: Using Credit to Improve Your Financial Life and Bottom Line” (FT Press, 2008). He is regularly interviewed by respected members of the press.