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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

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SimplyCash® Business Card from American Express OPEN

Get 5% cash back on wireless services and office supply purchases*
Get 3% cash back on automobile gasoline*
Get 1% cash back on other purchases*
No limit to the amount of cash back you can earn
Cash back on purchases is automatically credited to your statement each month
Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®
No annual membership fee

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for Up to 12 Months	Free	12.24% – 19.24% Variable	$0	Good to Excellent
Balance Transfers: N/A	Issuer: American Express		Rating:

* See website for complete terms and conditions of card usage and application disclosure.

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Discover® Motiva Card

Earn Cashback Bonus for your good credit management
0% Intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%*
Up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
Discover is ranked #1 in customer loyalty - 15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index Report)
24/7 access to a U.S.-based Account Manager within 60 seconds
$0 Fraud Liability plus mobile and email fraud alert options
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rate, fees, rewards, limitations and other important information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% Introductory APR*	Free	10.99% - 20.99% (V)*	$0	Good to Excellent
Balance Transfers: YES	Issuer: Discover		Rating:

* See the online Discover credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Here" button, you can review the credit card terms and conditions on Discover’s website.

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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:

* *This APR may vary with the market based on the Prime Rate. See website for complete terms and conditions of card usage and application disclosure.

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Escape by Discover® Card

Earn up to $250 in travel rewards--1,000 Bonus miles every month you make a purchase for the first 25 months
Double Miles on every $1 you spend
0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 16.99%*
No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
Flexible redemption options like travel credits, merchandise, gift cards or cash
Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
*Click apply to view rates, fees, rewards, limitations and other important information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for 6 Months*	n/app	10.99% - 16.99% (V)*	$60	Average
Balance Transfers: YES	Issuer: Discover		Rating:

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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).
Product Enhancements include: Auto Rental Collision Damage Waiver, Roadside Dispatch and Travel Emergency Services.
Online access to credit card account information
Low Annual Fee of $35.00.

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0.00% or 7.50% for 12 Months on Purchases	Free	7.50%, 9.50% or 11.50%	$35	Average
Balance Transfers: YES	Issuer: IberiaBank		Rating:

* 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. This APR will vary with the market based on the Prime Rate.

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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:

* *This APR may vary with the market based on the Prime Rate. See website for complete terms and conditions of card usage and application disclosure.

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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:

* *This APR may vary with the market based on the Prime Rate. See website for complete terms and conditions of card usage and application disclosure.

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Gold MasterCard® Credit Card - Fixed 9.99% AIR

9.99% Annual Interest Rate on Purchases and Cash Advances
No Annual Fee
9.99% Annual Interest Rate on Purchases and Cash Advances
Around-the-Clock Fraud Protection
Online Access to Your Credit Card Account
Unparalleled 24-Hour Customer Service

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
Please refer to online application legal disclosures.	Free	9.99%*	$0	Good
Balance Transfers: YES	Issuer: MBNA Canada		Rating:

* *Please refer to online application legal disclosures.

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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 Hassles - Choose Your Credit Limit From $500 Up To $5,000
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:

* Credit bureau reporting. See website for complete terms and conditions of card usage and application disclosure.

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Applied Bank® Secured Visa® Gold Credit Card

Guaranteed Approval Regardless of Your Past Credit History
9.99% Low Fixed APR - Your Rate Wont Change Even if You Are Late
Choose Your Credit Limit - From $200 to $5,000
Highest Ratings for Financial Strength and Security in the Country

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
No Introductory Rate Available	$0	9.99%	$50	Good
Balance Transfers: YES	Issuer: Applied Bank		Rating:

* Credit bureau reporting. See website for complete terms and conditions of card usage and application disclosure.

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Miles by Discover® Card

Earn up to $120 in travel rewards--1,000 Bonus miles every month you make a purchase for the first year
1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash
0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%*
No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for 6 Months*	Free	10.99% - 16.99% (V)*	$0	Good to Excellent
Balance Transfers: YES	Issuer: Discover		Rating:

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Discover® More Card

0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
$0 Fraud Liability plus mobile and email fraud alert options
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR*	Free	10.99% - 20.99% (V)*	$0	Good to Excellent
Balance Transfers: YES	Issuer: Discover		Rating:

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Discover® Open Road Card - $150 Restaurant.com Gift Certificate

Receive a $150 Restaurant.com Gift Certificate with first purchase
0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 20.99%*
2% automatically at gas stations and restaurants all year long*
Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR on Purchases and Balance Transfers	Free	10.99% - 20.99% (V)*	$0	Good to Excellent
Balance Transfers: YES	Issuer: Discover		Rating:

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Chase Freedom® MasterCard - $100 Bonus Cash Back + 0% Intro APR

Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
0% Intro APR for 12 months on balance transfers and 6 months on purchases
5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
Unlimited 1% Cash Back on all other purchases
Up to an additional 10% Cash Back when you shop online at select merchants through Chase
No annual fee and rewards never expire

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
12 months on balance transfers, 6 months on purchases	Free	As low as 11.99% Variable	$0	Average
Balance Transfers: YES	Issuer: Chase		Rating: None

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Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR

Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
0% Intro APR for 12 months on balance transfers and 6 months on purchases
5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
Unlimited 1% Cash Back on all other purchases
Up to an additional 10% Cash Back when you shop online at select merchants through Chase
No annual fee and rewards never expire

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
12 months on balance transfers, 6 months on purchases	Free	As low as 11.99% Variable	$0	Average
Balance Transfers: YES	Issuer: Chase		Rating: None

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Slate® from Chase MasterCard

0% for up to 15 months - after that a variable APR as low as 11.99% - 21.99% after your 0% ends
Slate with Blueprint® helps you pay down your balances faster and save on interest
Transfer your higher rate balances
No Annual Fee

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% APR for up to 15 Months*	Free	11.99% - 21.99% Variable	$0	Average
Balance Transfers: YES	Issuer: Chase		Rating: None

* See website for complete terms and conditions of card usage and application disclosure.

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Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR

Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
0% Intro APR for 12 months on balance transfers and 6 months on purchases
5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
Unlimited 1% Cash Back on all other purchases
Up to an additional 10% Cash Back when you shop online at select merchants through Chase
No annual fee and rewards never expire

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
12 months on balance transfers, 6 months on purchases	Free	As low as 11.99% Variable	$0	Average
Balance Transfers: YES	Issuer: Chase		Rating: None

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Slate® from Chase - $75 Bonus and Up to 15 Month Intro Duration

Earn $75 Statement Credit after you make $300 in purchases in your first 3 months
0% Intro APR for up to 15 months - a variable APR as low as 11.99% -21.99% after your 0% ends
Slate with Blueprint® helps you pay down your balances faster and save on interest
Transfer your higher rate balances
No Annual Fee

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% Intro APR for either the first 6 or first 15 billing cycles on either purchases and balance transfers or balance transfers only.	Free	11.99% - 21.99% variable	$0	Average
Balance Transfers: YES	Issuer: Chase		Rating: None

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Slate® from Chase - Limited Time: No Balance Transfer Fee

LIMITED TIME: No Balance Transfer Fee!*
Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee! After that, the balance transfer fee is 3% of the amount transferred with a minimum of $5
0% Intro APR for up to 12 months - a variable APR as low as 11.99-21.99% after your 0% ends
Slate with Blueprint helps you pay down your balances faster and save on interest
Zero liability on unauthorized purchases*
No Annual Fee*

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% Intro APR for either the first 6 or first 12 billing cycles on either purchases and balance transfers or balance transfers only.	Free	11.99% - 21.99% Variable	$0	Average
Balance Transfers: YES	Issuer: Chase		Rating: None

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Discover® More Card - $0 Balance Transfer Fee!

Limited Time Offer - $0 Balance Transfer Fee!*
0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%*
5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% intro APR on purchases and balance transfers for 12 months	Free	10.99% - 19.99% (V)*	$0	Average
Balance Transfers: YES	Issuer: Discover		Rating: None

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Discover® More Card - 18 Month Promotional Balance Transfer

0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
$0 Fraud Liability plus automatic mobile and email fraud alert options
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information

Introductory Rate	Set-Up Fee	Annual APR	Annual Fee	Credit Needed
0% Intro APR	Free	10.99% - 20.99% (V)*	$0	Good to Excellent
Balance Transfers: YES	Issuer: Discover		Rating: None

* See the online Discover credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Here" button, you can review the credit card terms and conditions on Discover's website.

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.