Low Interest Credit Cards
These low interest credit cards have either a low fixed rate annual percentage rate (APR) or a low introductory APR. Most of these cards have no annual fee. Our objective opinion is included on each card.
1. Discover® More(SM) Card
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| 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).
2. Citi® Platinum Select® MasterCard®
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| 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)
3. Capital One® No Hassle Miles(SM) Rewards - Excellent Credit
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| 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.
4. 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: 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).
5. Discover® More(SM) Card - Clear
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| 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 good credit who want a cash reward credit card. 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. 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). Earned rebates are worth double their value at participating retailers through the Cashback Bonus® Reward program. Double your Cashback Bonus® when you redeem points with partners such as AMC Theaters, Borders Books and Music, Pier 1, Gap and Red Lobster. Platinum benefits include auto rental insurance, travel accident insurance, and security and fraud protection services. Computes balances for purchases with two-cycle daily balance method which usually results in higher finance charges. This card will benefit those who pay off their balance each month and will spend at least $3,000 a year (to get the 1% cash rebate) and will use their Cashback Bonus® award at participating retailers.
6. Capital One® No Hassle Miles(SM) Ultra - For Professionals
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| Interest Rate: | 13.90% Variable |
|---|---|
| Intro Rate: | 0% on Purchases Until May 2010 |
| Grace Period: | 25 Days |
| Credit Limit: | N/A |
| Annual Fee: | $39 |
Special Offers: A 0% introductory rate is available on purchases until May 2010. See terms and conditions for complete details.
Our Opinion: Created for professionals with excellent credit who want to earn airlines miles or gift cards rewards. One of the most generous reward offers: 2 miles per $1 spent on all purchases. Earn unlimited miles each year; miles do not expire. Use miles on any airline, anytime. There are no seat restrictions or blackout dates. Miles may also be redeemed for merchandise and gift cards. Benefits include purchase insurance and emergency roadside assistance. No fee for balance transfers.
7. Simmons First Visa Platinum
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| Interest Rate: | 7.25% Fixed |
|---|---|
| Intro Rate: | None |
| Grace Period: | 25 Days |
| Credit Limit: | N/A |
| Annual Fee: | None |
Special Offers: No transaction fee for balance transfers.
Our Opinion: You must have EXCELLENT credit to qualify or you will be rejected. This card also has a low cash advance rate. Benefits include travel insurance and auto rental insurance.
8. Discover® Motiva(SM) Card
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| Interest Rate: | as low as 11.99% |
|---|---|
| Intro Rate: | 3.99% Intro APR* |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: There is a 3.99% introductory APR* on purchases for 6 months and a 3.99% introductory APR* on balance transfers for 12 months. See terms and conditions for complete details.
Our Opinion: Created for those with good credit who carry a balance, pay on time, and want to earn cash for their purchases. Extended low rate for balance transfers. 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. Earn unlimited rebates; rebates do not expire if there is activity within a 36-month period. Cardholders who make 6 on-time payments in a row qualify for a pay-on-time bonus that provides a credit toward the payment of their next month's interest. The bonus is available twice a year when monthly payments are received on time. Benefits include auto rental insurance and up to $500,000 in travel accident insurance. This card will benefit those who will spend over $3,000 a year (to earn the full 1% cash rebate), plan to use the card for balance transfers, and pay on time every month.
9. IberiaBank Visa® Platinum Rewards Card
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| Interest Rate: | As low as 9.75%* |
|---|---|
| Intro Rate: | 0% APR for 6 Months |
| Grace Period: | 25 Days |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: 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.
Our Opinion: Created for those with very good credit who will use the reward program. Earn 1 point per $1 spent. Use points for travel and gift certificates for participating merchants. Low interest rate for purchases and cash advances, for those who qualify.
10. IberiaBank Visa® Gold Cash Back Rewards Card
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| Interest Rate: | As low as 9.75%* |
|---|---|
| Intro Rate: | 0% APR for 6 Months |
| Grace Period: | 25 Days |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of the account open date.
Our Opinion: Created for those with very good credit who want a cash reward card. Earn 1% rebate per $1 spent. Earn unlimited rebates; rebates do not expire. Low interest rate for those qualify. Same low rate for cash advances. Benefits include travel accident insurance.
11. IberiaBank Visa® Classic Card
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| Interest Rate: | As low as 8.75%* |
|---|---|
| Intro Rate: | 0% APR for 6 Months |
| Grace Period: | 25 Days |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: Low Introductory APR on balance transfers for the first 6 billing cycles. Applies to balance transfers processed within three months of account open date.
Our Opinion: Low-rate Visa card created for those with average credit who sometimes carry a balance.
12. Discover® More(SM) Card - Monogram
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| 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. Earn 5% Cashback Bonus® in rotating categories like home, gas, restaurants, travel, movies, etc. 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. Earn double Cashback Bonus® for using your rebate for gift certificates from Discover Card Partners. Earn unlimited rebates each year. Uses the "Two-Cycles Average Daily Balance" method for finance charges. This is typically more costly. Benefits include up to $500,000 in travel accident insurance, 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.
13. Citi Forward(SM) Card
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| Interest Rate: | 14.24% |
|---|---|
| Intro Rate: | 0% APR for 6 Months |
| Grace Period: | 20 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: Introductory rate is available on purchases and balance transfers.
Our Opinion: Rewards cardholders 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 5,000 bonus points when you sign up for paperless statements within the first three months of opening the account. Receive 6,000 bonus points when they make their first $50 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.
