- Who: Consumers who do not plan on paying off their balance in full each month and who have good credit.
- Why: The lower your interest rate, the more money
you will save in interest charges. You can also save
by doing a balance transfer. - Drawbacks: The best low interest credit cards typically require a high credit score.
Low Interest Credit Cards
Chase Freedom® Visa - $100 Bonus Cash Back
- Earn $100 Bonus Cash Back after you make $799 in purchases in your first three months
- 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy
- Unlimited 1% Cash Back on all other purchases with no spending tiers
- Up to an additional 20% cash back when you shop online at select merchants through Chase
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| N/A | None | 12.99 - 22.99% Variable | Yes | 5% ($10 minimum) | Excellent |
Citi® Platinum Select® MasterCard®
- 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
- Citi® Identity Theft Solutions
- Secure, free online account management
- No annual fee*
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% | 18 months bt | 11.99-19.99% Variable* | Yes | 5% ($10 min)* | Good |
Discover® More® Card
- 0% intro APR on balance transfers for a full 15 months, then the regular apr
- 0% intro APR on purchases for a full 6 months, then the regular apr
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% - BT | 12 months | 11.99% - 20.99% V | Yes | 4% | Excellent |
Chase FreedomSM Card
- 0% Intro APR and No Annual Fee
- 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy
- Unlimited 1% Cash Back on all other purchases with no spending tiers
- Up to an additional 20% cash back when you shop online at select merchants through Chase
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0%* | 12 months on balance transfers; 6 months on Purchases | 12.99-22.99% Variable | Yes | 5% ($10 minimum) | Excellent |
Discover® More® Card - $75 Cashback Bonus®
- 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
- Unlimited cash rewards that never expire
- Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards or instant eCertificates from over 100 brand-name Partners
- Flexible redemption options with no redemption fee. Choose from Partner gift cards, merchandise, Discover gift cards, credit to your Discover card account or an electronic deposit to your bank account
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% - BT | 12 months | 11.99 - 20.99% V | Yes | 4% | Excellent |
PenFed Promise VISA Card
- Absolutely No Fees
- Introductory Purchase Rate – 7.49% APR for the first 36 months. Afterwards, the APR will vary with the Prime Rate and is currently 9.99% APR.
- No Foreign Transaction Fees
- Some restrictions apply.
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 7.49% | 36 months | 9.99% V | Yes | None | Excellent |
Discover® More® Card – Black
- 0% intro APR on balance transfers for a full 12 months, then the regular apr
- 0% intro APR on purchases for a full 9 months, then the regular apr
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% - BT | 12 months | 11.99 - 20.99% V | Yes | 4% | Excellent |
PenFed Premium Travel Rewards American Express® Card
- 5 Points for Every $1 Spent on Airfare
- 3 Points on Hotels and Dining (through December 31, 2010)
- Access to 600+ Luxury VIP Global Airport Lounge Access with $15,000 Annual Spend
- 24/7 Premium Concierge Service
- Redeem on any Airline; no black-out dates or restrictions
- Spend $650 in the First Three Months and Receive 20,000 bonus points
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 4.99% or 6.99% - BT | 24 months | 13.24% Variable | Yes | 2.5% (minimum $10, maximum $100) | Excellent |
PenFed VISA Platinum Gas / Cash Rewards Card
- Earn 2.00% Cash Back on Supermarket Purchases*
- Earn 5.00% Cash Back from Gas Purchases Paid at the Pump*
- Earn 1.00% Cash Back from All Purchases** You Make with the Card During Each Billing Cycle
- Up to $50,000 Limit
- No Annual Fee
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 4.99% or 6.99% - BT | 24 months | 13.99% V | Yes | Waived Until 6/30/10 | Excellent |
Discover® Motiva(SM) Card
- Cash rewards for your good credit management
- Each time you make 6 on-time payments in a row, you'll get a Pay-On-Time Bonus equal to a full month's interest added to your Cashback Bonus account
- 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus on all other purchases
- 3.99% intro APR on balance transfers for a full 15 months, then the regular apr
- 3.99% intro APR on purchases for a full 12 months, then the regular apr See the online Discover credit card application for 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 Discover’s website.
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 3.99% BT | 12 months | 11.99% - 20.99% V | Yes | 3% | Excellent |
Iberiabank Visa® Classic
- No annual membership fee
- Low variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
- Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 1.99% BT | 6 months | 7.25 - 13.25% V | Yes | 2% | Excellent |
Iberiabank Visa® Select
- Introductory Rate of 0.00% for 12 months from date opened, on Purchases. (If there is an interest charge, the charge will be no less then $1.00). This rate will not change during the introductory period.
- Low Introductory APR on Balance Transfers of 1.99% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- Low Ongoing Variable Rate APR after introductory period of 7.50% (Prime + 4.25%). This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less then $1.00).
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% - Purchases | 12 months | 7.50% Variable | Yes | 3% | Excellent |
Simmons Bank Platinum Visa
- Created for those with Excellent Credit and approval is based on your credit rating and application review.
- Low 7.25% variable standard purchase APR and platinum benefits
- No balance transfer fee for balances transferred in response to this online offer
- No Annual Fee
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| N/A | N/A | 7.25% V | Yes | No | Excellent |
Simmons First Visa Platinum Travel Rewards
- Created for those with Excellent Credit and approval is based on your credit rating and application review.
- Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
- Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions.
- No balance transfer fee for balances transferred in response to this online offer
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| N/A | N/A | 9.25% V | Yes | No | Excellent |











