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Low Interest Credit Cards
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.
Discover® More Card

  • 5% to 20% Cashback Bonus® at top online retailers*
  • Up to 1% Unlimited Cashback Bonus® on all other purchases automatically
  • Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus® partners
  • No annual fee
  • Online account access
  • Online bill payment
*View Rates, Fees, Rewards and Other Important Information
Intro APR Intro APR Period Regular APR Annual Fee Reward Component Credit Needed
0% on Purchases AND Balance Transfers* 6 Months on Purchases and 12 Months on Balance Transfers* 10.24%* None* Cash Excellent

 
Capital One® Platinum Visa

  • Buy what you've been dreaming of and pay no interest until January 2010 on purchases
  • No balance transfer fees
  • Save with a low non-intro variable APR, currently 8.9%
  • Know you are protected with $0 fraud liability if your card is ever lost or stolen
  • Exclusive savings: up to 40% off  featured deals and 10% savings on everything else at
    Capital One® Saving ZoneSM on Yahoo! Shopping
Intro APR Intro APR Period Regular APR Annual Fee Reward Component Credit Needed
0% on Purchases* Until January 2010* 8.90%* $39* N/A Good

 
Capital One® Platinum Prestige

For customers with excellent credit
  • Save with a 0% intro APR until January 2010 on purchases and balance transfers
  • Then enjoy a variable APR, now 8.9%
  • Save time and money by transferring higher-rate balances so you can make one easy payment each month
  • No annual fee
Intro APR Intro APR Period Regular APR Annual Fee Reward Component Credit Needed
0% APR on Purchases AND Balance Transfers Until January 2010* 8.9%* None* N/A Excellent

 
Discover® Motiva Card

  • Cash Rewards for your good credit management!*
  • Pay-On-Time BonusSM equal to a full month’s interest
  • 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
  • Up to 1% Cashback Bonus® on all other purchases
  • Unlimited cash rewards
  • Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus® Partners
  • No annual fee
  • Free payment by phone
*View Rates, Fees, Rewards and Other Important Information
Intro APR Intro APR Period Regular APR Annual Fee Reward Component Credit Needed
3.99% on Purchases and Balance Transfers* 6 Months on Purchases and 12 Months on Balance Transfers* 10.24%* None* Cash Good

 
IberiaBank Visa® Classic Card

  • Variable Rate APR ranging from Prime + 3% thru Prime + 5%
  • Cash Advance Variable Rate APR ranging from Prime + 7% thru Prime + 9%
  • No annual membership fee
  • 0% Introductory APR on balance transfers for the first 6 billing cycles. Applies to balance transfers processed within three months of your account open date
  • No transaction fee for balance transfers
  • 25 day grace period
  • Online access to credit card account information
*See website for complete terms and conditions of card usage and application disclosure.
Intro APR Intro APR Period Regular APR Annual Fee Reward Component Credit Needed
0% on Balance Tranfers* 6 Months* As low as 6.25%* None* N/A Good

 
Bank of America® Accelerated Cash Rewards™ American Express® Card

  • Earn 1.25% cash back. Every purchase. Every time.
  • 0% Intro Annual Percentage Rate (APR)* on Balance Transfers and Cash Advance Checks for Your First 15 Billing Cycles
  • No Annual Fee and the Flexibility to Pay Over Time
  • Get Cash Back Your Way - Choose From a Check, Statement Credit, or Direct Deposit Into Your Checking or Savings Account
  • Access to Special Cardmember Offers On Shopping, Dining, Travel, Hotels, and Much More!
Intro APR Intro APR Period Regular APR Annual Fee Reward Component Credit Needed
0% on Balance Transfers* 15 Months* Between 9.99% and 19.99%* $0* Cash Good

 
Miles by Discover® Card

  • Double Miles on Grocery Store Purchases in November and December*
  • Book Any Travel, Anytime with No Blackout Dates or Restrictions
  • Double Miles on Up to $3,000 in Travel and Restaurant Purchases Each Year
  • 1 Mile for Every $1 on All Your Other Purchases
  • Unlimited Miles That Never Expire*
  • Redeem for Travel Credits to Your Account, Gift Cards from Any of Our 70 Brand-Name Partners, or Cash Starting at Just 1,000 Miles
  • No Annual Fee
*View Rates, Fees, Rewards and Other Important Information
Intro APR Intro APR Period Regular APR Annual Fee Reward Component Credit Needed
0% on Purchases AND Balance Transfers* 6 Months* 10.24%* None* Miles Excellent

 
Blue Cash® from American Express®

  • Earn up to 5% cash back on everyday purchases - even gas!
  • No Annual Fee 
  • 0% Intro APR for up to 12 months on purchases
  • Express Approval.  Get a decision in less than 60 seconds.
Intro APR Intro APR Period Regular APR Annual Fee Reward Component Credit Needed
0% on Purchases* Up to 12 Months* As low as 11.24%* None* Cash Good

 
True Earnings® Card from Costco and American Express

  • Earn cash back on gas and a $25 statement credit with your first purchase made with the Card!
  • Earn cash back virtually everywhere you go - 3% for gasoline, 3% for restaurants, 2% for travel, 1% everywhere else, including Costco.
  • No Annual Fee with your paid Costco Membership.
  • The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card.
  • The flexibility to pay charges over time.
  • No Limit on the Cash Back earned.
Intro APR Intro APR Period Regular APR Annual Fee Reward Component Credit Needed
0% on Purchases* Up to 3 Months* 13.24%* None with Costco Membership* Cash Good

 
Capital One® No Hassle CashSM Rewards

For customers with good credit

  • Get 2% cash back on purchases at gas stations and major grocery stores and 1% cash back on all other purchases
  • There's no limit to the cash back you can earn, and your cash rewards won't expire
  • Save with a 0% intro APR on purchases until January 2010
  • You can ask for your cash back whenever you want or set up automatic redemptions so you won't have to ask
  • No annual fee


Intro APR Intro APR Period Regular APR Annual Fee Reward Component Credit Needed
0% on Purchases* Until January 2010* 13.9%* None* Cash Good

 
Citi® Platinum Select® MasterCard®

  • 0% APR* on balance transfers and purchases for up to 12 months*
  • No annual fee
  • Secure, free online account management
  • $0 liability on unauthorized purchases
  • Citi® Identity Theft Solutions
Intro APR Intro APR Period Regular APR Annual Fee Reward Component Credit Needed
0% on Purchases AND Balance Transfers* Up to 12 Months* As low as 6.74%* None* N/A Good

 
Discover® Open RoadSM Card

  • 0% Intro APR*
  • Save at the pump and everywhere else.*
  • 5% Cashback Bonus® on gas and auto maintenance purchases
  • 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
  • Up to 1% Cashback Bonus® on all other purchases
  • Unlimited cash rewards
  • Increase, even double, the value of your rewards when you redeem for gift cards from our 80 Cashback Bonus® Partners
*View Rates, Fees, Rewards and Other Important Information 
Intro APR Intro APR Period Regular APR Annual Fee Reward Component Credit Needed
0% on Purchases AND Balance Transfers* 6 Months on Purchases and 12 Months on Balance Transfers* 10.24%* None* Cash Excellent

 
Discover® More Card - Monogram Collection

  • 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
  • 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
  • Up to 1% Cashback Bonus on all other purchases automatically
  • Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners
  • 0% Intro APR*
*View Rates, Fees, Rewards and Other Important Information
Intro APR Intro APR Period Regular APR Annual Fee Reward Component Credit Needed
0% on Purchases AND Balance Transfers* 6 Months on Purchases and 12 Months on Balance Transfers* 10.24%* None* Cash Good

 
Discover® More Card - American Flag

  • Earn more cash in more ways than anyone elseSM*
  • Unlimited cash rewards, automatically
  • 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
  • Double rewards with more than 80 Cashback Bonus Partners*
  • Customer Service in less than a minute, anytime you want
  • 0% Intro APR*
*View Rates, Fees, Rewards and Other Important Information
Intro APR Intro APR Period Regular APR Annual Fee Reward Component Credit Needed
0% on Purchases AND Balance Transfers* 6 Months on Purchases and 12 Months on Balance Transfers* 10.24%* None* Cash Excellent

 
Citi CashReturnsSM Card

  • Earn up to 6% Cash Back on purchases; a full 1% cash back on every purchase PLUS an average 5% additional cash back at 400 leading retailers within the Citi Bonus Cash Center.
  • Earn a 20% bonus on the cash back earned on all purchases for the first 12 months.
  • Checks will be sent automatically every time you earn $50 - no calling necessary
  • 0% APR* on balance transfers for up to 12 months
  • No Annual Fee
       
Intro APR Intro APR Period Regular APR Annual Fee Reward Component Credit Needed
0% on Balance Transfers* Up to 12 Months* As low as 8.99%* None* Cash Good

 
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