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.
Citi® Platinum Select® MasterCard®
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| Interest Rate: | As low as 11.99% Variable* |
|---|---|
| Intro Rate: | 0% APR for up to 12 Months |
| Grace Period: | 20 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: 0% APR* on Balance Transfers and Purchases for up to 12 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. Balance transfer fee is 3% ($5 minimum, no maximum). Platinum cardholder benefits include auto rental insurance, fraud protection services, and retail protection insurance. (Not designed for applicants with average or poor credit)
Discover® More® Card
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| 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: *0% APR on Purchases for 6 months and 0% APR on Balance Transfers for 12 months. See terms and conditions for complete details.
Our Opinion: Created for those with very good credit who want a cash reward card. Enroll to earn 5% Cashback Bonus® in rotating categories like travel, gas, restaurants, home, apparel, and movies (categories rotate every 3 months). Those who spend up to $1,500 on general purchases will receive a .25% rebate, between $1,500 and $3,000 will receive a .5% rebate, and over $3,000 will receive a 1% rebate.* 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. 5% fee for balance transfers, one of the highest fees for a balance transfer. 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).
Miles by Discover® Card
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| 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 very good credit who want a travel reward card with a low interest rate. Earn 1 mile per $1 spent on regular purchases.* Earn double miles on up to $3,000 in travel and restaurant purchases. Redeem miles for reduced or free airfare most major U.S. airlines (no blackout dates). Cardholders earn 1,000 bonus miles in every month that they make a purchase during the first year of membership (up to 12,000 miles). Earn up to 60,000 miles per year. Redeem 30,000 miles for round-trip coach ticket. You can also redeem miles for cash, travel and merchandise or gift cards . Benefits include travel accident insurance (up to $500,000), and auto rental insurance. This card will benefit those who will spend over $3,000 per year (to get the 1% cash rebate), and will pay in full each month.
Blue Cash® from American Express
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| Interest Rate: | As low as 17.24%** |
|---|---|
| Intro Rate: | 0% APR for up to 6 Months |
| Grace Period: | 25 Days |
| Credit Limit: | n/app |
| Annual Fee: | None |
Special Offers: 0.00% Introductory APR (0.0000% DPR) for Purchases for up to 6 months of Cardmembership.
Our Opinion: Created for those with good or excellent credit who want a cash back reward card. Unlimited cash back on eligible purchases but this varies with the amount spent per year. For the first $6,500 of Eligible Purchases, the rebate is 1.0% for Everyday Purchases and 0.5% for all other Eligible Purchases; for Eligible Purchases of $6,500.01 or more, the rebate percentage is 5.0% for Everyday Purchases and 1.25% for all other Eligible Purchases. "Everyday Purchases" are made at drugstores, automobile gas stations and supermarkets. Benefits include purchase protection plan and up to $100,000 in travel accident insurance. Once you charge more than $6,500, the rebate rate is better than most cards. However, the high APR makes this a good card only if you pay off your balance each month. Rebates appear as a credit 1 month following your anniversary date. Earn cashback on recurring bills by enrolling in the automatic payment option.
Citi® Platinum Select® MasterCard®
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| Interest Rate: | As low as 11.99% Variable* |
|---|---|
| Intro Rate: | 0% APR for up to 12 Months |
| Grace Period: | 20 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: 0% APR* on Balance Transfers and Purchases for up to 12 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. Balance transfer fee is 3% ($5 minimum, no maximum). Platinum cardholder benefits include auto rental insurance, fraud protection services, and retail protection insurance. (Not designed for applicants with average or poor credit)
Citi® Platinum Select® MasterCard®
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| Interest Rate: | As low as 11.99% Variable* |
|---|---|
| Intro Rate: | 0% APR for up to 12 Months |
| Grace Period: | 20 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: 0% APR* on Balance Transfers and Purchases for up to 12 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. Balance transfer fee is 3% ($5 minimum, no maximum). Platinum cardholder benefits include auto rental insurance, fraud protection services, and retail protection insurance. (Not designed for applicants with average or poor credit)
Miles by Discover® Card
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| 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 very good credit who want a travel reward card with a low interest rate. Earn 1 mile per $1 spent on regular purchases.* Earn double miles on up to $3,000 in travel and restaurant purchases. Redeem miles for reduced or free airfare most major U.S. airlines (no blackout dates). Cardholders earn 1,000 bonus miles in every month that they make a purchase during the first year of membership (up to 12,000 miles). Earn up to 60,000 miles per year. Redeem 30,000 miles for round-trip coach ticket. You can also redeem miles for cash, travel and merchandise or gift cards . Benefits include travel accident insurance (up to $500,000), and auto rental insurance. This card will benefit those who will spend over $3,000 per year (to get the 1% cash rebate), and will pay in full each month.
Blue from American Express®
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| Interest Rate: | As low as 15.24%** |
|---|---|
| Intro Rate: | 0% APR for 6 Months |
| Grace Period: | 25 Days |
| Credit Limit: | n/app |
| Annual Fee: | None |
Special Offers: 0% Introductory APR (0.0000% DPR) for Purchases for your first 6 months of Cardmembership, depending on our review of your application and credit history.
Our Opinion: Created for those with good credit and an established credit history who want a card with a good rewards program. Cardholders have access to the Membership Rewards Express program with retail, dining, entertainment and select travel rewards. Earn 1 point per $1 spent. Benefits include auto rental insurance, purchase protection, and various emergency and travel assistance services.
Discover® Open Road(SM) Card
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| 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: Creates for those with very good credit who want cash rewards on gas and auto maintenance expenses. Earn 2% on the first $250 in combined gas and auto maintenance purchases and up to 1% for general purchases. Earn unlimited rebates. Earn up to a double Cashback Bonus® when redeeming their rebates for gift certificates from participating Discover® Card Partners. Benefits include travel accident insurance and auto rental insurance.
Citi Forward® Card for College Students
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| Interest Rate: | 17.24% Variable* |
|---|---|
| Intro Rate: | 0% APR for 7 Months |
| Grace Period: | 20 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: Introductory rate is available on purchases.
Our Opinion: Rewards students for staying within their credit limit and paying on time. If you stay within your credit limit and pay on time, you will receive 100 bonus points per billing period and a possible reduction in your interest rates. Rate reductions occur at a rate of .25% after three months in a row of staying within the limit and paying on time. You could receive up to 8 reductions, for a 2% total reduction. Get 2,500 bonus points when you sign up for paperless statements within the first three months of opening the account. Receive 3,500 bonus points when they make their first $250 in purchases within the first three months. Receive 5 points per $1 spent at movie theaters, restaurants, book stores, and video rental stores. Receive $1 spent on all other purchases. Points can be redeemed through the Thank You network for cash, gift cards, electronics, music, and more. This card is a good choice if you pay off your balance each month.
Gold MasterCard® Credit Card - Fixed 9.99% AIR
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| 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.
