Low Interest Credit Cards / ApeepA.com

Below is a list of Low Interest ( Low APR) Credit Cards that do not charge as high of interest on purchases and balance transfers as other credit cards. Some of these cards also offer 0% on balance transfers, 0% on purchases, or rewards for your every day spend. Please visit our 0% sections if you are only looking for a 0% introductory offer. However, if you're looking to carry a balance and not pay a farm, then these cards are for you. Remember: To keep these rates, you must pay at least the minimum payment due by the due date each month.

Slate® from Chase - Limited Time: No Balance Transfer Fee

LIMITED TIME: No Balance Transfer Fee!*
Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee! After that, the balance transfer fee is 3% of the amount transferred with a minimum of $5
0% Intro APR for up to 12 months – a variable APR as low as 11.99-21.99% after your 0% ends
Slate with Blueprint helps you pay down your balances faster and save on interest
Zero liability on unauthorized purchases*
No Annual Fee*

Intro APR	Intro APR Period	Regular APR	Annual Fee	Reward Component	Credit Needed
0% APR on Purchases AND Balance Transfers!	12 Months*	11.99% - 21.99% Variable*	None*	N/A	Good

Discover® More® Card

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 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 APR	Intro APR Period	Regular APR	Annual Fee	Reward Component	Credit Needed
0% on Purchases AND Balance Transfers*	15 Months*	10.99% - 20.99% Variable	None*	Cash	Excellent

Chase Sapphire(SM)

Limited Time Offer! - Earn 25,000 bonus points after you spend $3,000 in the first 3 months - that's $250 toward a flight or any other reward!
2 points per dollar spent on dining & 1 point per dollar spent on all other purchases.
Points never expire and there are no limits on how many points you can earn
Redeem points for travel, gift cards, merchandise, cash back and more
24/7 direct access to expert service advisors (No voice recording)
No annual fee!

Intro APR	Intro APR Period	Regular APR	Annual Fee	Reward Component	Credit Needed
N/A	N/A	As low as 13.24% Variable	None*	Points	Excellent

Discover® Motiva Card

Earn Cashback Bonus for your good credit managment
0% intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%
Up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
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 alerts
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee

Intro APR	Intro APR Period	Regular APR	Annual Fee	Reward Component	Credit Needed
0% on Purchases and Balance Transfers*	15 Months*	10.99% - 20.99% Variable*	None*	Cash	Good

Slate® from Chase – $75 Bonus and Up to 15 Month Intro Duration

Earn $75 Statement Credit after you make $300 in purchases in your first 3 months
0% Intro APR for up to 15 months – a variable APR as low as 11.99% -21.99% after your 0% ends
Slate with Blueprint® helps you pay down your balances faster and save on interest
Transfer your higher rate balances
No Annual Fee

Intro APR	Intro APR Period	Regular APR	Annual Fee	Reward Component	Credit Needed
0%*	For up to 15 Months on Purchases AND Balance Transfers*	As low as 11.99% Variable*	None*	N/A	Good

True Earnings® Card from Costco and American Express

American Express® Card and Costco Membership Card in one — with no annual fee for Costco members
Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings® Cardmembers from Costco and American Express

Intro APR	Intro APR Period	Regular APR	Annual Fee	Reward Component	Credit Needed
0% on Purchases*	6 Months*	15.24% variable*	None with Costco Membership*	Cash	Good

Discover® Student Card - Monogram Collection

0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 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 ShopDiscover.com
Up to 1% unlimited Cashback Bonus on everything else you buy
$0 Fraud Liability plus 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 APR	Intro APR Period	Regular APR	Annual Fee	Reward Component	Credit Needed
0% on Purchases*	9 Months*	13.99%- 20.99% V	None*	Cash	Good

Chase Freedom® Mastercard - $100 Bonus Cash Back + 0% Intro APR

Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
0% Intro APR for 12 months on balance transfers and 6 months on purchases
5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
Unlimited 1% Cash Back on all other purchases
Up to an additional 10% Cash Back when you shop online at select merchants through Chase
No annual fee and rewards never expire

Intro APR	Intro APR Period	Regular APR	Annual Fee	Reward Component	Credit Needed
0%*	12 Months on Balance Transfers & 6 Months on Purchases*	As low as 11.99% Variable*	None*	Cash/Points	Good

Orchard Bank® Classic MasterCards

An excellent credit card for help rebuilding credit reports to 3 major credit bureaus monthly!
Acceptance at millions of locations worldwide, including website purchases and reservations
Your account information is updated and at your fingertips 24/7 so you can manage it your way
Email and text messages are available to remind you of your upcoming payment due date
Knowledgeable customer service representatives to assist you with questions or concerns

Intro APR	Intro APR Period	Regular APR	Annual Fee	Reward Component	Credit Needed
N/A	N/A	14.99% or 19.99%, or 7.99% for secured cards	$39 or $59 the first year, or $29 or $49 Introductory the first year, then $59 per year thereafter	N/A	Bad

Blue Cash Everyday(SM) Card from American Express

Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
No annual fee, flexibility to pay over time
Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases.
NO spend minimum, NO enrollment, and NO rotating rewards categories.
Get a $25 Referral Bonus for each friend or family member who is approved for the Card.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Reward Component	Credit Needed
0% on Purchases*	12 Months*	17.24%-22.24% Variable*	None*	Cash	Excellent

Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR

Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
0% Intro APR for 12 months on balance transfers and 6 months on purchases
5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
Unlimited 1% Cash Back on all other purchases
Up to an additional 10% Cash Back when you shop online at select merchants through Chase
No annual fee and rewards never expire

Intro APR	Intro APR Period	Regular APR	Annual Fee	Reward Component	Credit Needed
0%*	12 Months on Balance Transfers, 6 Months on Purchases*	As low as 11.99% Variable*	None	Cash/Points	Good

Ink Cash(SM) Business Card

$250 cash back bonus after you spend $5,000 within 3 months!
5% cash back on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services
2% cash back on the first $25,000 spent annually on gas and dining
1% cash back on all other card purchases with no limit to the amount you can earn
Cash back rewards do not expire
0% Introductory APR for 6 months*
No Annual Fee*

Intro APR	Intro APR Period	Regular APR	Annual Fee	Reward Component	Credit Needed
0% on Purchases AND Balance Transfers*	6 Months*	13.24% Variable*	None	Cash	Excellent

The NEW Business Gold Rewards Card® from American Express OPEN

Earn points even faster to get more rewards for you business
3X points on airfare, 2X points on advertising, gas, and shipping, 1X points on everything else
One million rewards from over 500 brands
Unlimited Rewards Potential - there is no limit to the number of points you can earn and points do not expire
24/7 support for everything from identity theft to travel emergencies
$0 introductory annual fee for the first year, then $175
Get unlimited Additional Gold Cards for an additional annual fee of $50 - and this fee is waived the first year

Intro APR	Intro APR Period	Regular APR	Annual Fee	Reward Component	Credit Needed
N/A	N/A	N/A	$0 introductory annual fee for the first year, then $175	Points*	Excellent

The New Ink Bold(SM) with Ultimate Rewards

50,000 bonus points after you spend $5,000 in 3 months – that's $500 in rewards of your choice, or $625 towards airfare when you redeem online through our Ultimate Rewards booking tool
No limit to the number of points you can earn – and points do not expire
5X points per dollar on the first $50,000 spent annually on eligible business purchases
No foreign transaction fees and Free Employee Cards
No interest or over limit fees
No Annual Fee in the first year – that's a $95 savings

Intro APR	Intro APR Period	Regular APR	Annual Fee	Reward Component	Credit Needed
N/A	N/A	N/A - Charge Card	None first year. After that, $95*	Points	Excellent

Ink(SM) Classic Business - Up to 25,000 Bonus Points

25,000 bonus points after you spend $5,000 in the first 3 months!*
5X points per dollar on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, and cable services*
2X points per dollar on the first $25,000 spent annually on fuel and dining*
1 point per dollar on all other card purchases with no limit on the amount you can earn*
Cash back rewards do not expire
0% Introductory APR for 6 months*
No Annual Fee

Intro APR	Intro APR Period	Regular APR	Annual Fee	Reward Component	Credit Needed
0% on Purchases AND Balance Transfers*	6 Months*	13.24% Variable*	None	Cash	Good

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