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.

Discover® More® Card

0% APR on Balance Transfers for a FULL 12 Months
0% APR on Purchases for a FULL 6 Months
5% Cashback Bonus® in Categories that Change Like Travel, Gas, Groceries, Restaurants and More
Up to 1% Unlimited Cashback Bonus into Bigger Rewards by Redeeming for Gift Cards from Over 100 Brand-Name Partners
Instant Response Within 60 Seconds
No Annual Fee
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*	12 Months on Balance Transfers!!! & 6 Months on Purchases*	As low as 11.99%*	None*	Cash	Excellent

Chase Sapphire ^SM

Earn $100 in rewards - that's 10,000 bonus points after your first purchase!
Redeem points for travel, gift cards, merchandise, cash back and more
2X points earned on airfare booked through Ultimate Rewards & 1 point for every dollar spent on all other purchases
Points never expire and there are no limits on how many points you can earn
24/7 Dedicated service advisors (No voice recording)
Premier travel and purchase protection benefits
All of this for no annual fee!

Intro APR	Intro APR Period	Regular APR	Annual Fee	Reward Component	Credit Needed
N/A	N/A	12.24%*	None*	Points	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*	As low as 11.99%*	None*	Cash	Good

IberiaBank Visa® Classic Card

Variable Rate APR ranging from Prime + 4.00% thru Prime + 10.00%
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
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 7.25%*	None*	N/A	Good

Miles by Discover® Card

12,000 Bonus Miles* - 1,000 Miles each month you make a purchase for the first 12 months

Double Miles on up to $3,000 in travel and restaurant purchases each year

Book any travel, anytime with no blackout dates or restrictions

1 Mile for every $1 on all your other purchases

Unlimited Miles that never expire*

No Annual Fee

Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash starting at just 1,000 Miles

*View Discover® Card 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*	As low as 11.99%*	None*	Miles	Excellent

Slate ^SM from Chase

0% Intro APR for up to 12 Months*
No Annual Fee*
Pay Down Balances on Your Terms with Blueprint^SM
Zero Liability on Unauthorized Purchases
E-mail and Text Alerts

Intro APR	Intro APR Period	Regular APR	Annual Fee	Reward Component	Credit Needed
0%*	For up to 12 Months on Purchases AND Balance Transfers*	As low as 13.24% Variable*	None*	N/A	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 Annual Gasoline Purchases of Up To $3000 (1% Thereafter), 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*	6 Months*	15.24%*	None with Costco Membership*	Cash	Good

Discover® More® Card - Monogram Collection

0% APR on Balance Transfers and Purchases for a Full 6 Months
5% Cashback Bonus® in Categories that Change Like Travel, Gas, Groceries, Restaurants and More
Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically
Turn Your Cashback Bonus Into Bigger Rewards by Redeeming for Gift Cards from Over 100 Brand-Name Partners
Instant Response Within 60 Seconds
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*	As low as 11.99%*	None*	Cash	Good

Discover® More® Card - American Flag

0% APR on Balance Transfers and Purchases for a Full 6 Months
5% Cashback Bonus® in Categories that Change Like Travel, Gas, Groceries, Restaurants and More
Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically
Turn Your Cashback Bonus Into Bigger Rewards by Redeeming for Gift Cards from Over 100 Brand-Name Partners
Instant Response Within 60 Seconds
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*	As low as 11.99%*	None*	Cash	Excellent

Discover® Student Card - Monogram Collection

Earn more cash in more ways than anyone else^SM*
Unlimited cash rewards, automatically
Double rewards with more than 80 Cashback Bonus® Partners*
Customer Service in less than a minute, anytime you want

*View Rates, Fees, Rewards and Other Important Information

Intro APR	Intro APR Period	Regular APR	Annual Fee	Reward Component	Credit Needed
0% on Purchases*	6 Months*	14.99%*	None*	Cash	Good

Chase Freedom ^SM

3% Bonus Cash Back Offers in Popular, Rotating Categories Like Gas, Home Improvement and Department Stores
Full 1% Cash Back on every purchase - no spending tiers or caps on how much you can earn
Up to an additional 20% cash back at select merchants when you shop online through Chase
0% Intro APR and No Annual Fee

Intro APR	Intro APR Period	Regular APR	Annual Fee	Reward Component	Credit Needed
0%*	For up to 6 Months on Balance Transfers AND Up to 12 Months on Purchases*	As low as 12.99% Variable*	None*	Cash	Good

Orchard Bank® Classic MasterCards

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 to remind you of your upcoming payment due date with online enrollment
On-call 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	7.90% - 24.90%*	$0-$74 the first year*	N/A	Good

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