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LowCards.com is the leading consumer resource for credit card information. For over seven years, we have been researching thousands of credit card offers and rates to find the best credit cards. We provide two valuable resources: a list of the top cards in each of the credit card categories along with an unbiased opinion on every card; and the Complete Credit Card Index where you will find the current rates of all 1060+ credit cards available in the United States. Below you will also find the number one card for Low Interest Credit Cards, Balance Transfer Credit Cards, Airline Credit Cards, Cash Back Credit Cards and Low Introductory Rate Credit Cards. You can use a secure application to apply online for most of the credit cards on our site.

Best Low Interest Credit Card

Discover® More(SM) Card

Discover® More(SM) Card Apply Now See Details
Interest Rate: As low as 11.99%
Intro Rate: 0% Intro APR*
Grace Period: 25 Days (Min.)
Credit Limit: up to $50,000
Annual Fee: None

Special Offers: There is a 0% introductory APR* on purchases and balance transfers for 6 months. *See terms and conditions for complete details.

Our Opinion: Created for those with very good credit who want a cash reward card. 5% Cashback Bonus® in categories like travel, gas, restaurants, home, apparel, and movies (categories rotate every 3 months). Purchases that are part of your first $3,000 earn .25%, earn a full 1% unlimited Cashback Bonus® on all other purchases after your total annual purchases exceed $3,000. Redeem in $50 increments; no limit for amount earned. Double your Cashback Bonus® when you redeem points with partners such as AMC Theaters, Borders Books and Music, Pier 1, Gap and Red Lobster. Benefits include travel accident insurance, auto rental insurance, and various security and fraud protection services. This card will benefit those who pay off their balance each month, spend at least $3,000 a year (to receive the 1% cash rebate) and use their cashback awards at participating retailers (to receive double cash rebates).

Best Balance Transfer Credit Card

Citi® Platinum Select® MasterCard®

Citi® Platinum Select® MasterCard® Apply Now See Details
Interest Rate: As low as 11.99%
Intro Rate: 0% APR for up to 12 Months
Grace Period: 20 Days (Min.)
Credit Limit: n/a
Annual Fee: None

Special Offers: The introductory rate is available on purchases and balance transfers for up to twelve months.

Our Opinion: An attractive card if you have good or excellent credit. Offers 0% interest rate for up to 12 months on purchases and balance transfers. No annual fee. Length of intro period will be 12 or 6 months, depending on review of your application and credit history. Balance transfer fee is 3% ($5 minimum, no maximum). Platinum cardholder benefits include auto rental insurance, fraud protection services, up to $1,000,000 in travel accident insurance, and retail protection insurance. (Not designed for applicants with average or poor credit)

Best Airline Credit Card

Capital One® No Hassle Miles(SM) Rewards - Excellent Credit

Capital One® No Hassle Miles(SM) Rewards - Excellent Credit Apply Now See Details
Interest Rate: 13.90% Variable
Intro Rate: 0% on Purchases Until May 2010
Grace Period: 25 Days
Credit Limit: N/A
Annual Fee: None

Special Offers: A 0% introductory rate is available on purchases until May 2010. See terms and conditions for complete details.

Our Opinion: The Capital One® No Hassle Miles(SM) Rewards - MasterCard® Excellent 1x - 2x Miles Rewards is for people with excellent credit and is by far one of the best and least costly airline reward cards available. Through the rewards program, cardholders earn 1 mile per dollar spent on all purchases and two miles for each dollar spent above $1,000. Miles are redeemable for flights on any airline with no blackout dates, merchandise, and gift certificates. Miles can also be donated to participating charities. This card has no annual fee and a reasonably low interest rate for purchases also offers a 0% introductory APR on purchases until May 2010.

Best Cash Back Credit Card

Discover® Open Road(SM) Card

Discover® Open Road(SM) Card Apply Now See Details
Interest Rate: 11.99%
Intro Rate: 0% Intro APR*
Grace Period: 25 Days (Min.)
Credit Limit: up to $50,000
Annual Fee: None

Special Offers: There is a 0% introductory APR* on purchases and balance transfers for 6 months. See terms and conditions for complete details.

Our Opinion: With a low APR, this is a good choice for those with very good credit. 5% cashback on gas and auto maintenance purchases; the 5% rebate is limited to the first $100 in combined gas and auto maintenance each month. Purchases that are part of your first $3,000 earn .25%, earn a full 1% unlimited Cashback Bonus® on all other purchases after your total annual purchases exceed $3,000. Platinum card members can enroll in the Get More program and receive 5% Cashback Bonus® in reward categories that rotate every 3 months (such as gas/auto, clothing/education, restaurants, travel and more). Exchange your cash reward for up to double the amount in gift cards or certificates from Discover Card Partners. Computes balances for purchases with two-cycle daily balance method which usually results in higher finance charges. This card benefits those who will pay off their card each month and charge up to $1,200 on gas and auto maintenance each year (to maximize the rebate).

Best Excellent Credit Credit Card

Citi® Platinum Select® MasterCard®

Citi® Platinum Select® MasterCard® Apply Now See Details
Interest Rate: As low as 11.99%
Intro Rate: 0% APR for up to 12 Months
Grace Period: 20 Days (Min.)
Credit Limit: n/a
Annual Fee: None

Special Offers: The introductory rate is available on purchases and balance transfers for up to twelve months.

Our Opinion: An attractive card if you have good or excellent credit. Offers 0% interest rate for up to 12 months on purchases and balance transfers. No annual fee. Length of intro period will be 12 or 6 months, depending on review of your application and credit history. Balance transfer fee is 3% ($5 minimum, no maximum). Platinum cardholder benefits include auto rental insurance, fraud protection services, up to $1,000,000 in travel accident insurance, and retail protection insurance. (Not designed for applicants with average or poor credit)

Best Low Intro Credit Card

Capital One® No Hassle Miles(SM) Rewards - Excellent Credit

Capital One® No Hassle Miles(SM) Rewards - Excellent Credit Apply Now See Details
Interest Rate: 13.90% Variable
Intro Rate: 0% on Purchases Until May 2010
Grace Period: 25 Days
Credit Limit: N/A
Annual Fee: None

Special Offers: A 0% introductory rate is available on purchases until May 2010. See terms and conditions for complete details.

Our Opinion: The Capital One® No Hassle Miles(SM) Rewards - MasterCard® Excellent 1x - 2x Miles Rewards is for people with excellent credit and is by far one of the best and least costly airline reward cards available. Through the rewards program, cardholders earn 1 mile per dollar spent on all purchases and two miles for each dollar spent above $1,000. Miles are redeemable for flights on any airline with no blackout dates, merchandise, and gift certificates. Miles can also be donated to participating charities. This card has no annual fee and a reasonably low interest rate for purchases also offers a 0% introductory APR on purchases until May 2010.

Best Reward - Hotel / Travel Credit Card

Starwood Preferred Guest® Credit Card from American Express

Starwood Preferred Guest® Credit Card from American Express Apply Now See Details
Interest Rate: 13.24%
Intro Rate: 2.9% APR for 6 Months
Grace Period: 20 Days
Credit Limit: up to $100,000
Annual Fee: $45

Special Offers: The introductory rate is available on balance transfers submitted during the application process. Future balance transfers will be 9.99% + the current Prime Rate.

Our Opinion: Created for those with good credit who often stay at Starwood resorts and hotels. The interest rate for purchases is reasonably low for a reward card. The annual fee is $30. Earn 1 point per $1 spent on the card and 2 points per $1 spent for Starwood related purchases (Starwood has over 750 participating hotels and resorts). Redeem points for various travel related services including free hotel stays and airline travel. Members receive 10,000 points (3 free nights at some hotels) with first purchase. Receive an additional 15,000 Starpoints if you spend $15,000 in 6 months. Points do not expire as long as you make one eligible stay per year. Transfer earned points to a variety of frequent flyer programs. Benefits include auto rental insurance, travel accident insurance, and various fraud protection services with each usage. This card will benefit those who will pay in full each month after the intro rate expires, frequently stay at Starwood Hotels and Resorts (to earn additional points), and can accumulate enough points for a free hotel stay or other travel related service within a two-year period.

Best Reward - Points Credit Card

Miles by Discover® Card

Miles by Discover® Card Apply Now See Details
Interest Rate: as low as 11.99%
Intro Rate: 0% Intro APR*
Grace Period: 25 Days (Min.)
Credit Limit: n/a
Annual Fee: None

Special Offers: There is a 0% introductory APR* on purchases and balance transfers for 6 months. See terms and conditions for complete details.

Our Opinion: Created for those with good credit who want a travel reward card with a low interest rate. Earn 1 mile per $1 spent on regular purchases. Redeem miles for reduced or free airfare most major U.S. airlines (no blackout dates). Receive 12,000 bonus miles. Double Miles on up to $3,000 in restaurant and travel purchases each year. Earn up to 60,000 miles per year; unused miles will expire in 3 years if the account is inactive. 30,000 miles for round-trip coach ticket. You can also redeem miles for cash, merchandise or gift cards such as $100 Home Depot gift card (14,400 miles) or 1 night stay at a Marriott Hotel (14,900 miles). Benefits include travel accident insurance (up to $500,000), and auto rental insurance.

Best Reward - Gas Credit Card

TrueEarnings® Card from Costco and American Express

TrueEarnings® Card from Costco and American Express Apply Now See Details
Interest Rate: 13.24%
Intro Rate: 0% APR for 3 Months
Grace Period: 20 Days
Credit Limit: n/a
Annual Fee: None

Special Offers: A 1.99% introductory rate is available on balance transfers for the first six months if a transfer is submitted during the first 40 days.

Our Opinion: Created for Costco members who have average credit and will take advantage of the cash back reward program. Cash rebate varies by where you make the purchase: 1% is earned on general purchases, 2% is earned for travel-related purchases. 3% is earned for restaurant purchases. 3% is earned for gasoline purchases up to $3,000, 1% thereafter. Earn unlimited rebates. Benefits include purchase protection, travel accident insurance, and auto rental insurance. This card has an above average interest rate for purchases and balance transfers. No annual fee with a paid Costco membership. This card will benefit those who plan to spend at least $5,000 a year on the card and plan to pay in full each month.

Best Student Credit Card

Discover® Student Card

Discover® Student Card Apply Now See Details
Interest Rate: as low as 14.99%
Intro Rate: 0% Interest* for 6 Months
Grace Period: 25 Days (Min.)
Credit Limit: up to $5,000
Annual Fee: None

Special Offers: There is a 0% introductory APR* on purchases for 6 months. See terms and conditions for complete details.

Our Opinion: Created for students who want a cash reward credit card. Earn unlimited rebates- up to 1% of general purchases and up to 5% in categories that change like travel, gas, groceries, restaurants, movies and many more. Purchases that are part of your first $3,000 earn .25%, earn a full 1% unlimited Cashback Bonus® on all other purchases after your total annual purchases exceed $3,000. Double Cashback Bonus® by using rewards for gift cards at participating retailers. If not a full-time student, must have minimum household income of $15,000. Uses Two Cycles Average Daily Balance which may result in a higher finance charge. This card will benefit those who will spend over $3,000 a year (to get the 1% cash rebate), and plan to pay off their balance each month.

Best Canadian Credit Card

Gold MasterCard® Credit Card - Fixed 9.99% AIR

Gold MasterCard® Credit Card - Fixed 9.99% AIR Apply Now See Details
Interest Rate: 9.99%*
Intro Rate: Please refer to online application legal disclosures.
Grace Period: n/a
Credit Limit: n/a
Annual Fee: None

Special Offers: n/a

Our Opinion: The Gold MasterCard® Credit Card - Fixed 9.99% AIR is issued by MBNA Canada is available to Canadian residents and provides cardholders with low fixed interest rates and common platinum cardholder services. There is no annual fee for this credit card program and some applicants may even qualify for credit limits upwards of $100,000. Cardholders can also take advantage of the platinum benefits that come with the card which include fraud protection, emergency card replacement, 24-hour customer service, online account access, and access to thousands of ABMs worldwide. Those who do not qualify for the platinum card may be considered for preferred card, which varies in terms of benefits and credit limits.

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