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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(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:

	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:

	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:

	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:

	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:

	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:

	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:

	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:

	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:

	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:

	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:

	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:

	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:

	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:

	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:

	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:

	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:

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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