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?
- 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
| Blue from American Express® |
- 0% APR on Purchases for Up to 12 Months
- No Annual Fee
- Low Balance Transfer APR 2.99% for 12 Months
- Earn Points That Can be Redeemed for Gift Cards, Travel, Merchandise, and Unique Entertainment Experiences
- Membership Rewards Express® Program
- Express Approval. Get a Decision in Less Than 60 Seconds.
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% APR for Up to 12 Months |
Free
| As low as 10.99% | $0 |
Average
| Balance Transfers:
YES
| Issuer: American Express | Rating:
 |
|
| Blue Cash® from American Express |
- Earn Up to 5% Cash Back on Everyday Purchases - Even Gas!
- No Annual Fee
- 0% APR for Up to 12 Months on Purchases
- Low Balance Transfer Rate - 2.99% for 12 Months
- Express Approval. Get a Decision in Less Than 60 Seconds.
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% APR for Up to 12 Months |
Free
| As low as 11.99% | $0 |
Average
| Balance Transfers:
YES
| Issuer: American Express | Rating:
|
|
| Capital One® No Hassle Miles(SM) Rewards Excellent 1.25 Miles Rewards |
- Earn 25% More Mileage Than Regular Mileage Cards With 1.25 Miles For Each Dollar Spent on Purchases
- Save With a 0% Intro APR on Purchases Until January 2010
- No Expiration on Miles and No Limit on the Miles You Can Earn
- There Are No Blackout Date and No Seat Restrictions
- No Annual Fee
- *See Capital One® Important Disclosures for More Information.
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% on Purchases Until January 2010 |
Free
| 9.90% | $0 |
Excellent
| Balance Transfers:
YES
| Issuer: Capital One | Rating:
|
|
| Capital One® Platinum Prestige |
- Save with 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
- *See Capital One® Important Disclosures for More Information
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% APR on Purchases and Balance Transfers Until January 2010 |
Free
| 8.90% | $0 |
Excellent
| Balance Transfers:
YES
| Issuer: Capital One | Rating:
|
|
| Capital One® No Hassle Points(SM) Rewards - Excellent Credit |
- Earn 2 Points Per Dollar Spent at Gas Stations, Major Grocery and Drug Stores
- 1 Point for Every Dollar Spent on Other Purchases
- Save With a 0% Intro APR on Purchases Until January 2010
- There is No Limit to the Points You Can Earn and Your Points Won't Expire
- No Annual Fee
- *See Capital One® Important Disclosures for More Information
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% on Purchases Until January 2010 |
Free
| 9.90% | $0 |
Excellent
| Balance Transfers:
YES
| Issuer: Capital One | Rating:
|
|
| Capital One® No Hassle Miles(SM) Ultra-For Professionals |
- Earn Double Miles - 2 Miles Per Dollar Spent on All Purchases
- Save With a 0% Intro APR on Purchases Until January 2010
- No Expiration Date on Miles and No Limit on the Miles You Can Earn
- No Blackout Dates or Seat Restrictions
- *See Capital One® Important Disclosures for More Information
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% on Purchases Until January 2010 |
Free
| 9.90% | $39 |
Excellent
| Balance Transfers:
YES
| Issuer: Capital One | Rating:
|
|
| Capital One® No Hassle Miles(SM) Rewards - MasterCard® Excellent 1x - 2x Miles Rewards |
- Earn 2 Miles for Each Dollar of Monthly Spending Above $1,000
- 1 Mile Per $1 Spent on All Other Purchases
- Save With 0% Intro APR on Purchases Until January 2010
- Get Free Travel Easily with ANY Airline, Hotel, Cruise Line, or Rental Car
- No Blackout Dates and No Seat Restrictions
- No Expiration Date on Miles and No Limit on the Miles You Can Earn
- No Annual Fee
- *See Capital One® Important Disclosures for More Information
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% on Purchases Until January 2010 |
Free
| 9.90% | $0 |
Average
| Balance Transfers:
YES
| Issuer: Capital One | Rating:
|
|
| Discover® Motiva(SM) Card |
- Double Cashback Bonus® on Grocery Store Purchases in November and December*
- 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
| 10.99% | $0 |
Average
| Balance Transfers:
YES
| Issuer: Discover | Rating:
|
|
| IberiaBank Visa® Gold Cash Back Rewards Card |
- 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
- No Annual Membership Fee
- 0% Introductory APR on Balance Transfers for Your First 6 Billing Cycles - Applies to Balance Transfers Processed Within 3 Months of Your Account Open Date
- 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 | 0% APR for 6 Months |
Free
| As low as 8.00%* | $0 |
Good
| Balance Transfers:
YES
| Issuer: IberiaBank | Rating:
|
|
| Pulaski Bank Visa® Card |
- Fixed Rate APR of 6.5%
- 0% Introductory APR on Balance Transfers for the First 6 Billing Cycles - Applies to Balance Transfers Processed within 3 Months of Your Account Open Date
- 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 | 0% APR for 6 Months |
Free
| 6.50% | $35 |
Average
| Balance Transfers:
YES
| Issuer: Pulaski Bank | Rating:
|
|
| Blue Sky from American Express® |
- 0% Intro APR for Up to 12 Months on Purchases
- Low Balance Transfer Rate - 2.99% for 12 Months
- Earn 1 Point for Every Dollar You Spend
- Points Good on Any Airline, Hotel, Car Rental, and More
- No Blackout Dates or Travel Restrictions
- Express Approval. Get a Decision in Less Than 60 Seconds.
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% APR for Up to 12 Months |
Free
| As low as 11.99% | $0 |
Average
| Balance Transfers:
YES
| Issuer: American Express | Rating:
 |
|
| Capital One® No Hassle Miles(SM) Rewards For Travel & Gas |
- More Miles - Earn 3 Miles Per Dollar Spent on Travel and Gas Purchases
- Earn 1 Mile Per Dollar For All Other Purchases
- No Annual Fee
- Unrestricted Travel - Fly Any Airline, Anytime, Anywhere, With No Blackout Dates and No Seat Restrictions
- No Expiration Date - Rewards Don't Expire For the Life of Your Account
- *See Capital One® Important Disclosures for More Information
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% on Purchases Until January 2010 |
Free
| 9.90% | $0 |
Excellent
| Balance Transfers:
YES
| Issuer: Capital One | Rating:
|
|
| Capital One® Platinum Prestige - Visa® |
- 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
- *See Capital One® Important Disclosures for More Information
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% APR on Purchases and Balance Transfers Until January 2010 |
Free
| 8.90% | $0 |
Excellent
| Balance Transfers:
YES
| Issuer: Capital One | Rating:
|
|
| Capital One® Platinum |
- Buy What You've Been Dreaming of And Pay No Interest Until June 2009 on Purchases
- 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 Zone(SM) on Yahoo! Shopping
- *See Capital One® Important Disclosures for More Information.
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% on Purchases until June 2009 |
Free
| 8.90% | $39 |
Average
| Balance Transfers:
YES
| Issuer: Capital One | Rating:
|
|
| Capital One® Platinum - Visa® |
- Buy What You've Been Dreaming of And Pay No Interest until June 2009 on Purchases
- 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 Zone(SM) on Yahoo! Shopping
- *See Capital One® Important Disclosures for More Information.
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% on Purchases until June 2009 |
Free
| 8.90% | $39 |
Average
| Balance Transfers:
YES
| Issuer: Capital One | 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 Experiential Rewards
- Travel Accident Coverage Up to $1,000,000
- No Annual Membership Fee
- 0% Introductory APR on Balance Transfers for Your First 6 Billing Cycles - Applies to Balance Transfers Processed Within 3 Months of Your Account Open Date
- 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 | 0% APR for 6 Months |
Free
| As low as 8.00%* | $0 |
Good to Excellent
| Balance Transfers:
YES
| Issuer: IberiaBank | Rating:
|
|
| IberiaBank Visa® Classic Card |
- No Annual Membership Fee
- 0% Introductory APR on Balance Transfers for the First 6 Billing Cycles - Applies to Balance Transfers Processed Within 3 Months of Your Account Open Date
- 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 | 0% APR for 6 Months |
Free
| As low as 7.00%* | $0 |
Average
| Balance Transfers:
YES
| Issuer: IberiaBank | Rating:
|
|
| Pulaski Bank Gold Visa® Card |
- Fixed Rate APR of 8%
- No Annual Membership Fee
- 0% Introductory APR on Balance Transfers for the First 6 Billing Cycles. Applies to Balance Transfers Processed within 3 Months of Your Account Open Date
- 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 | 0% APR for 6 Months |
Free
| 8.00% | $0 |
Good
| Balance Transfers:
YES
| Issuer: Pulaski Bank | 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
| 10.99% | $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
- *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
| 10.99% | $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
- *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
| 10.99% | $0 |
Good to Excellent
| Balance Transfers:
YES
| Issuer: Discover | Rating:
|
|
| 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 Discover® Card Rates, Fees, Rewards, and Other Important Information
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% Intro APR* |
Free
| 10.99% | $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
| 10.99% | $0 |
Good to Excellent
| Balance Transfers:
YES
| Issuer: Discover | Rating:
|
|
| Discover® Open Road(SM) Card |
- Double Cashback Bonus® on Grocery Store Purchases in November and December*
- 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 CBB 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
| 10.99% | $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
- *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
| 10.99% | $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
- *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
| 10.99% | $0 |
Good to Excellent
| Balance Transfers:
YES
| Issuer: Discover | Rating:
|
|
| Capital One® Platinum - Good Credit |
- Save with a 0% Intro APR Until January 2010 on Purchases and Balance Transfers
- Save Time and Money by Transferring Higher-Rate Balances So You Can Make One Easy Payment Each Month
- No Annual Fee
- *See Capital One® Important Disclosures for More Information
|
Introductory Rate | Set-Up Fee | Annual APR | Annual Fee | Credit Needed | 0% on Purchases and Balance Transfers Until January 2010 |
Free
| 12.90% | $0 |
Good
| Balance Transfers:
YES
| Issuer: Capital One | 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.
- Take note of whether the low interest rate (APR) being offered is a variable rate or a fixed rate loan.
- The variable rate is subject to change if there is a change in the Federal Reserve rate.
- 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.
- 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.
- Review the annual fees related to the low interest credit cards being considered.
- 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.
- 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.
- 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.
- 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.
- 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.
