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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?

• Is the low interest rate a fixed rate or a variable rate?
• Is there a fee for balance transfers?
• Under what conditions would a higher interest rate be triggered?
• Is the low interest rate offered on both balance transfers and new purchases?

 

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

Balance Transfer Credit Cards  0% APR Credit Cards

 

 

	Discover® Motiva Card
	Cash rewards for your good credit management Each time you make 6 on-time payments in a row, you'll get a Pay-On-Time Bonus equal to a full month's interest added to your Cashback Bonus account 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall Up to 1% unlimited Cashback Bonus on all other purchases 3.99% intro APR on balance transfers for a full 15 months, then the Regular APR 3.99% intro APR on purchases for a full 12 months , then the Regular APR
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 3.99% APR* Free 11.99% - 20.99% (Variable)* $0 Average Balance Transfers: YES Issuer: Discover Rating: None

	IberiaBank Visa® Gold Cash Back Rewards Card
	No annual membership fee Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00). Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Earn 1% in cash back credit 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 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 9.25, 12.25%, or 15.25%* $0 Good Balance Transfers: YES Issuer: IberiaBank Rating: None

	Escape by Discover® Card
	25,000 Bonus Miles - Earn 1,000 Miles each month you make a purchase for the first 25 months 2 Miles per $1 on all purchases No limit on the Miles you earn and Miles dont expire* Fly on any airline, book any hotel or car, with no blackout dates Use Miles for travel, merchandise, gift cards or cash 0% intro APR on purchases and balance transfers for 6 months then the regular APR Industry Leading Customer Service Enhanced travel benefits like Travel Delay Insurance and Trip Cancellation Insurance
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% APR for 6 Months* n/app 10.99% (V) $60 Average Balance Transfers: YES Issuer: Discover Rating: None

	IberiaBank Visa® Classic Card
	No Annual Membership Fee Low variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00). Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 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 7.25%, 10.25%, 13.25%* $0 Average Balance Transfers: YES Issuer: IberiaBank Rating: None

	IberiaBank Visa® Platinum Rewards Card
	No annual membership fee Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00). Low Introductory ARP on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 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 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 9.25%, 12.25%, or 15.25%* $0 Good to Excellent Balance Transfers: YES Issuer: IberiaBank Rating: None

	IberiaBank Visa® Select Card
	Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. (If there is an interest charge, the charge will be no less then $1.00). This rate will not change during the introductory period. Low Introductory APR on Balance Transfers of 1.99% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, and Prime + 8.25%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less then $1.00). Online access to credit card account information
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0.00% or 7.50% for 12 Months on Purchases Free 7.50% $45 Average Balance Transfers: YES Issuer: IberiaBank Rating: None

	Platinum Zero® Secured Visa® Credit Card from Applied Bank®
	ZERO - 0% FIXED APR on Purchases - No Intro Rates! ZERO - 0% Rate Won’t Change - Even If You’re Late! ZERO Application Fees ZERO Worries - FREE Personal ID Theft Protection ZERO Delays - Timely CREDIT Bureau Reporting
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed No Introductory Rate Available $0 0% $ Good to Excellent Balance Transfers: YES Issuer: Applied Bank Rating: None

	Discover® More Card - $75 Cashback Bonus
	0% intro APR on balance transfers for a full 12 months, then the Regular APR 0% intro APR on purchases for a full 6 months, then the Regular APR Get $75 Cashback Bonus when you make $500 in purchases within 3 months 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more Up to 1% unlimited Cashback Bonus on all other purchases No Annual Fee
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% Intro APR Free 11.99% - 20.99% (V)* $0 Good to Excellent Balance Transfers: YES Issuer: Discover Rating: None

	Miles by Discover® Card
	12,000 Bonus Miles Earn 1,000 Miles each month you make a purchase for your 1st year 1 Mile per $1 on every purchase Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year No limit on the Miles you earn and Miles dont expire* Fly on any airline, book any hotel or car, with no blackout dates Use Miles for travel, merchandise, gift cards or cash 0% intro APR on purchases and balance transfers for 6 months then the regular APR No Annual Fee, No Overlimit Fee, No Redemption Fee
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% APR for 6 Months* Free 10.99% (V)* $0 Good to Excellent Balance Transfers: YES Issuer: Discover Rating: None

	Discover® More Card
	0% intro APR on balance transfers for a full 15 months, then the Regular APR 0% intro APR on purchases for a full 6 months, then the Regular APR 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more Up to 1% unlimited Cashback Bonus on all other purchases No Annual Fee
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% APR* Free 11.99% - 20.99% (V)* $0 Good to Excellent Balance Transfers: YES Issuer: Discover Rating: None

	Discover® Open Road Card
	2% Cashback Bonus automatically at any gas station and any restaurant 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall Up to 1% unlimited Cashback Bonus on all other purchases 0% intro APR on balance transfers for 12 full months, then the Regular APR 0% intro APR on purchases for 6 months, then the Regular APR
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% APR on Purchases and Balance Transfers Free 11.99% - 20.99% (V)* $0 Good to Excellent Balance Transfers: YES Issuer: Discover Rating: None

	Public Savings Bank Classic Secured VISA Card
	Build Credit History - We Report to All 3 Major Credit Bureaus 0% APR on All Purchases for the First 6 Months No Annual Fees or Monthly Maintenance Fees No Credit Check No Checking Account Required Your Credit Is Not a Factor!
Introductory Rate Set-Up Fee Annual APR Annual Fee Credit Needed 0% APR for 6 Months $75 11.24% $0 Average Balance Transfers: YES Issuer: Public Savings Bank Rating: None

See other Low Interest Rate Credit Cards

Balance Transfer Credit Cards  0% APR 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.

 

 

 

 

 

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