Apply for a Low Interest Credit Card Online

Low Interest Credit Cards

Low interest credit cards offer both low introductory interest rates as well as low ongoing interest rates. If you plan to carry a balance on your credit card month to month then a low interest rate credit card is the best choice for you.

 

What to look for in a low interest rate credit card?

 

To find these details go to the "terms and conditions" section of the online low interest credit card application of your choice. CreditCreator.com offers low introductory interest rates ranging from 0% to 4.9% and low ongoing interest rates ranging from 7.9% to 12%.

 

See other Low Interest Rate Credit Cards

 

 

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Credit Creator

Discover® Motiva(SM) 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
  • Free Payment by Phone or Online – Even on Your Payment Due Date
  • Choose a Payment Due Date That Meets Your Needs
  • No Annual Fee
  • *View Discover® Card Rates, Fees, Rewards, and Other Important Information

Introductory Rate

Set-Up Fee

Annual APR

Annual Fee

Credit Needed

3.99% Intro APR*

Free

as low as 11.99%

$0

Average

Balance Transfers: YES

Issuer: Discover

Rating: credit card rating


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Credit Creator

IberiaBank Visa® Gold Cash Back Rewards Card

  • Earn 1% in Cash Back Credits on All Qualifying Purchases
  • No limit on Cash Back; No Expiration Date on Eligibility for Accounts in Good Standing
  • Travel Accident Coverage Up to $500,000
  • No Annual Membership Fee
  • Low Introductory APR on balance transfers for your 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

Introductory Rate

Set-Up Fee

Annual APR

Annual Fee

Credit Needed

1.99% APR for 6 Months

Free

As low as 9.75%*

$0

Good

Balance Transfers: YES

Issuer: IberiaBank

Rating: credit card rating


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Credit Creator

Escape by Discover® Card

  • 25,000 Bonus Miles* - 1,000 Miles Each Month You Make a Purchase the First 25 Months
  • Unlimited Double Miles on All Purchases
  • Book Any Travel, Anytime with No Blackout Dates or Restrictions
  • 2 Additional Miles for Every $1 You Spend Through ShopDiscover, Our Exclusive Online Shopping Site
  • Enhanced Travel Benefits
  • 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
  • $60 Annual Fee

Introductory Rate

Set-Up Fee

Annual APR

Annual Fee

Credit Needed

0% Intro APR*

Free

as low as 11.99%

$60

Average

Balance Transfers: YES

Issuer: Discover

Rating: credit card rating


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Credit Creator

IberiaBank Visa® Platinum Rewards Card

  • Earn 1 Bonus Point For Every $1 In Qualifying Net Retail Purchases
  • Turn Your Points Into Hotel, Gift, or Experience Rewards
  • Travel Accident Coverage Up to $1,000,000
  • No Annual Membership Fee
  • Low Introductory APR on Balance Transfers for Your First 6 Billing Cycles - Applies to Balance Transfers Processed Within 3 Months of Your Account Open Date
  • 25 Day Grace Period
  • Online Access to Credit Card Account Information

Introductory Rate

Set-Up Fee

Annual APR

Annual Fee

Credit Needed

1.99% APR for 6 Months

Free

As low as 9.75%*

$0

Good to Excellent

Balance Transfers: YES

Issuer: IberiaBank

Rating: credit card rating


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Credit Creator

IberiaBank Visa® Classic Card

  • No Annual Membership Fee
  • Low Introductory APR on balance transfers for the first 6 billing cycles.
  • 25 Day Grace Period
  • Online Access to Credit Card Account Information

Introductory Rate

Set-Up Fee

Annual APR

Annual Fee

Credit Needed

1.99% APR for 6 Months

Free

As low as 8.75%*

$0

Average

Balance Transfers: YES

Issuer: IberiaBank

Rating: credit card rating


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Credit Creator

IberiaBank Visa® Select Card

  • Introductory Fixed Rate on Purchases and Balance Transfers of 8.75% APR for the First 12 Billing Cycles
  • Low Ongoing Variable Rate APR after introductory period
  • No Transaction Fee for Balance Transfers
  • 25 Day Grace Period
  • Online Access to Credit Card Account Information

Introductory Rate

Set-Up Fee

Annual APR

Annual Fee

Credit Needed

8.75% APR for 12 Months

Free

8.75%

$45

Average

Balance Transfers: YES

Issuer: IberiaBank

Rating: credit card rating


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Credit Creator

Applied Bank® Secured Visa® Credit Card

  • 9.99% Low Fixed APR - Rate Won’t Change Even If You’re Late!
  • CHOOSE Your Credit Limit Up To $5,000*
  • $0 Fraud Liability
  • NO Credit Requirements
  • NO Income Requirements
  • ACCEPTED Worldwide at Millions of Locations
  • CREDIT Bureau Reporting
  • *Minimum $200 Deposit Required. Your Credit Limit Will Be Equal to the Amount of Your Deposit.

Introductory Rate

Set-Up Fee

Annual APR

Annual Fee

Credit Needed

No Introductory Rate Available

$0

9.99%

$50

Average

Balance Transfers: N/A

Issuer: Applied Bank

Rating: credit card rating


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Credit Creator

Applied Bank® Secured Visa® Gold Card

  • 9.99% Low Fixed APR - Rate Won’t Change Even If You’re Late!
  • CHOOSE Your Credit Limit Up To $5,000*
  • $0 Fraud Liability
  • NO Credit Requirements
  • NO Income Requirements
  • ACCEPTED at 27 Million Locations Worldwide and Online
  • CREDIT Bureau Reporting
  • *Minimum $200 Deposit Required. Your Credit Limit Will Be Equal to the Amount of Your Deposit.

Introductory Rate

Set-Up Fee

Annual APR

Annual Fee

Credit Needed

No Introductory Rate Available

$0

9.99%

$50

Good

Balance Transfers: N/A

Issuer: Applied Bank

Rating: credit card rating


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Credit Creator

Discover® More(SM) 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 Discover® Card Rates, Fees, Rewards, and Other Important Information

Introductory Rate

Set-Up Fee

Annual APR

Annual Fee

Credit Needed

0% Intro APR

Free

As low as 11.99%

$0

Good to Excellent

Balance Transfers: YES

Issuer: Discover

Rating: credit card rating


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Credit Creator

Discover® More(SM) Card - Wildlife Collection

  • 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

Introductory Rate

Set-Up Fee

Annual APR

Annual Fee

Credit Needed

0% Intro APR

Free

as low as 11.99%

$0

Good to Excellent

Balance Transfers: YES

Issuer: Discover

Rating: credit card rating


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Credit Creator

Discover® More(SM) Card - Clear

  • 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

Introductory Rate

Set-Up Fee

Annual APR

Annual Fee

Credit Needed

0% Intro APR

Free

as low as 11.99%

$0

Good to Excellent

Balance Transfers: YES

Issuer: Discover

Rating: credit card rating


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Credit Creator

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

Introductory Rate

Set-Up Fee

Annual APR

Annual Fee

Credit Needed

0% Intro APR*

Free

as low as 11.99%

$0

Good to Excellent

Balance Transfers: YES

Issuer: Discover

Rating: credit card rating


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Credit Creator

Discover® More(SM) Card- American Flag

  • 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 Discover® Card Rates, Fees, Rewards, and Other Important Information

Introductory Rate

Set-Up Fee

Annual APR

Annual Fee

Credit Needed

0% Intro APR

Free

as low as 11.99%

$0

Good to Excellent

Balance Transfers: YES

Issuer: Discover

Rating: credit card rating


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Credit Creator

Discover® More(SM) Card - Sealife Collection

  • 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

Introductory Rate

Set-Up Fee

Annual APR

Annual Fee

Credit Needed

0% Intro APR

Free

as low as 11.99%

$0

Good to Excellent

Balance Transfers: YES

Issuer: Discover

Rating: credit card rating


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Credit Creator

Discover® More(SM) Card - Monogram

  • Earn More Cash in More Ways Than Anyone Else(SM)*
  • Unlimited Cash Rewards, Automatically
  • Up to 20% Cashback Bonus® When You Shop Online*
  • Double Rewards With More than 80 Cashback Bonus® Partners*
  • 0% Intro APR*
  • Choose Your Personalized Design

Introductory Rate

Set-Up Fee

Annual APR

Annual Fee

Credit Needed

0% Intro APR

Free

as low as 11.99%

$0

Good to Excellent

Balance Transfers: YES

Issuer: Discover

Rating: credit card rating


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Credit Creator

Biodegradable Discover® More Card

  • Help Protect the Planet with the New Biodegradable Discover Card
  • Card Plastic Breaks Down 99% Within Five Years in Landfill Conditions
  • 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

Introductory Rate

Set-Up Fee

Annual APR

Annual Fee

Credit Needed

0% Intro APR

Free

as low as 11.99%

$0

Good to Excellent

Balance Transfers: YES

Issuer: Discover

Rating: credit card rating


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Credit Creator

Public Savings Bank Secured Black Card

  • 0% APR for 6 Months on Purchases
  • No Annual Fee
  • We Report to All 3 Credit Bureaus
  • No Minimum Credit Score, No Income/Employment Verifications
  • 25 Day Grace Period
  • Use the Card Everywhere You See the Visa® Logo
  • Lifetime Credit limit up to $10,000

Introductory Rate

Set-Up Fee

Annual APR

Annual Fee

Credit Needed

0% APR for 6 Months

$79

11.24%

$0

Average

Balance Transfers: N/A

Issuer: Public Savings Bank

Rating: credit card rating


See other Low Interest Rate Credit Cards

Comparing and Choosing Low Interest Credit Cards

Compare all low interest credit cards and choose the card that will work best for you. Review the "terms and conditions" section of the application for all the following details.

  1. Take note of whether the low interest rate (APR) being offered is a variable rate or a fixed rate loan.
  2. The variable rate is subject to change if there is a change in the Federal Reserve rate.
  3. If a fixed rate is offered take note in the low interest credit cards' application "terms and conditions" for possible triggers of higher interest rates, such as a late payment or a statement that the issuer has the right to change the rate with a 15 day notice.
  4. Check to see if the low interest rates are only offered on card balance transfers or only on new purchases, or on both new purchases and balance transfers.
  5. Review the annual fees related to the low interest credit cards being considered.
  6. Find out if the low interest rate is an introductory rate and if it is, then find out how long it will last and what the ongoing APR will be.
  7. Lower interest rates are offered to those with a good credit rating. If you have a good or excellent credit rating then you can expect to pay the lowest interest rates available.
  8. If you have a moderate to low credit rating then you need to look for a low interest credit card available to those with low or average credit scores.
  9. If you plan to carry a balance on your credit card for only 6 to 12 months you may want to consider looking for a 0% introductory credit card offer.
  10. If you are looking for a low interest credit card to carry your balance transfers then look for low interest credit cards specifically designed for balance transfers.