- 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
Citi® Platinum Select® MasterCard®
- 0% APR* on balance transfers and purchases for up to 6 months
- No annual fee
- Citi® Identity Theft Solutions
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% | Up to 6 months | 11.99% - 19.99% V | Yes | 3% ($5 min)* | Good |
Capital One® No Hassle MilesSM Rewards -Excellent Credit
- 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 November 2010
- 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% - Purchases Only | Until November 2010 | 13.90% V | Yes* | None* | Excellent |
Discover® More® Card
- 0% Intro APR* on Purchases and Balance Transfers for 6 Months
- 5% Cashback Bonus® in popular 5% Cashback Bonus® in categories like travel, home improvement stores, department stores, gas, restaurants, pet stores and many more
- Up to 1% unlimited Cashback Bonus® on all other purchases
- 5% to 20% Cashback Bonus® through our exclusive online shopping site
- 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 |
|---|---|---|---|---|---|
| 0% | 6 months | 11.99% - 18.99% V | Yes | 3% | Good |
Capital One® No Hassle CashSM Rewards
- 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 November 2010
- No foreign transaction fees
- 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% - Purchases Only | Until November 2010 | 14.9% V | Yes | None* | Excellent |
Simmons Bank Platinum Visa
- Created for those with Good 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 |
Discover® Biodegradable More® Card
- 5% Cashback Bonus® in categories like travel, home improvement stores, department stores, gas, restaurants, pet stores and many more
- Up to 1% unlimited Cashback Bonus® on all other purchases
- 5% to 20% Cashback Bonus® through our exclusive online shopping site
- 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 |
|---|---|---|---|---|---|
| 0% | 6 months | 11.99% - 18.99% V | Yes | 3% | Good |
Simmons First Visa Platinum Travel Rewards
- Created for those with Good 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 |
Discover® Motiva(SM) Card
- Pay-On-Time Bonus equal to a full month's interest every time you make 6 on-time payments in a row
- Up to 1% unlimited Cashback Bonus® on all other purchases
- 5% to 20% Cashback Bonus® through our exclusive online shopping site
- 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 | 6 months | 11.99% - 18.99% V | Yes | 3% | Good |
Iberiabank Visa® Classic
- Variable Rate APR ranging from Prime + 5.5% thru Prime + 12.00%
- No annual membership fee
- Low Introductory APR on balance transfers for the first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.
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 | 8.75 - 15.25% | Yes | 2% | Excellent |
Iberiabank Visa® Select
- Introductory Rate of 8.75% for 12 months from date opened on Purchases
- Introductory Rate of 8.75% for the first 12 billing cycles on Balance Transfers. Applies to balance transfers processed within three months of your account open date
- Low Ongoing Variable Rate APR after introductory period Prime + 5.5%
- No transaction fee for balance transfers
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 |
|---|---|---|---|---|---|
| 8.75% F | 12 months | 8.75% V | 8.75% F | None | Excellent |

