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. Slate® from Chase - Limited Time: No Balance Transfer Fee
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| Interest Rate: | 11.99% - 21.99% (Variable)* |
|---|---|
| Intro Rate: | 12 months for purchases and balance transfers or 6 months balance transfers only |
| Grace Period: | 21 Days |
| Credit Limit: | n/app |
| Annual Fee: | None |
Special Offers: 0% Intro APR for the first 12 billing cycles for Elite and Premium Pricing on purchases and balance transfers. For standard pricing, 0% APR on balance transfers only for 6 months from the date of account opening.
Our Opinion: Transfer balances with high interest rates to the Slate® from Chase - Limited Time: No Balance Transfer Fee credit card and you won't have to pay any balance transfer fee when you transfer during the first thirty days of account opening. There is also a 0% Introductory APR for up to 12 months for balance transfers. With the Slate® from Chase - Limited Time: No Balance Transfer Fee credit card's zero liability, you are not held responsible for any unauthorized purchases and charges.
2. Citi® Platinum Select® MasterCard®
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| Interest Rate: | 11.99% - 21.99%* (Variable)* |
|---|---|
| Intro Rate: | 0% Intro APR* |
| Grace Period: | 20 - 25 Days |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: 0% Intro APR for 21 Months on Balance Transfers*, and 0% Intro APR for 21 Months on Purchases*
Our Opinion: An attractive card if you have good or excellent credit. One of the best intro rates available--0% interest rate for 18 months for balance transfers and 0% for 18 months for purchases. No annual fee. Balance transfer fee is 3% ($5 minimum, no maximum). Cardholder benefits are average compared to other platinum cards and include auto rental insurance, fraud protection services, and retail protection insurance. (Not designed for applicants with average or poor credit).
3. Capital One® Platinum Prestige Credit Card
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| Interest Rate: | 10.9% - 18.9% (V)* |
|---|---|
| Intro Rate: | 0% Intro on Purchases and Balance Transfers Until May 2013 |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: 0% APR on Purchases and Balance Transfers Until May 2013.
Our Opinion: Created for those with excellent credit. No annual fee, low interest rate, and 0% APR on purchases and balance transfers. Benefits include warranties for purchases, auto rental insurance, and roadside assistance and travel accident insurance. No fee for international transactions. Good option for those who are transferring a balance from a higher rate. Click "Apply Now" to apply online or call 877-834-4206.
4. Discover® More Card
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| Interest Rate: | 10.99% - 20.99% (V)** |
|---|---|
| Intro Rate: | 0% Intro APR* |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: *0% intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%. 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) You must sign up for each 5% program and there is a bonus limit set for each program. Up to 1% rebate on all other purchases. 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. 15-month intro period for balance transfers but the balance transfer fee is 3%. 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). (Warning: If your account is closed for any reason or if you fail to make the Minimum Payment Due by the Payment Due Date for two consecutive billing periods, your Cashback Bonus will be forfeited).
6. Chase Freedom® MasterCard - $100 Bonus Cash Back + 0% Intro APR
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| Interest Rate: | as low as 11.99% Variable* |
|---|---|
| Intro Rate: | 12 months on balance transfers, 6 months on purchases |
| Grace Period: | 21 Days |
| Credit Limit: | n/app |
| Annual Fee: | None |
Special Offers: 0% APR for 12 months on Balance Transfers; 0% APR for 6 months on Purchases
Our Opinion: Created for those with excellent credit who want a cash rewards card. Standard rebates, earn 1% per $1 spent. Earn 5% cash back, on up to $1,500 spent each quarter, in rotating categories such as home improvement, gas, utilities, dining, and department stores. Earn more cash back of you shop at select merchants online through Chase. Earn unlimited rewards; cash rebates do not expire. Limited cardholder benefits. Length of intro period is determined by your application and credit history.
7. Simmons First Visa Platinum
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| Interest Rate: | 7.25% Variable* |
|---|---|
| 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. Citi Forward® Card
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| Interest Rate: | 12.99% - 22.99%* (Variable)* |
|---|---|
| Intro Rate: | 0% Intro APR* |
| Grace Period: | 20 - 25 Days |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: 0% Intro APR for 12 months on Balance Transfers*; 0% Intro APR for 7 months on Purchases*.
Our Opinion: Rewards cardholders for staying within their credit limit and paying on time. Earn $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months. Stay within your credit limit and pay on time, you will receive 100 bonus points per billing period plus 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 a 2% total reduction. Get 1,000 bonus points when you sign up for paperless statements. 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. 3% fee for balance transfers and international transactions
9. Discover® Motiva Card
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| Interest Rate: | 10.99% - 20.99% (V)** |
|---|---|
| Intro Rate: | 0% Intro APR* |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: 0% intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%. 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. Spend up to $1,500 on general purchases and receive a .25% rebate; spend between $1,500 and $3,000 and receive a .5% rebate; spend over $3,000 will receive a 1% rebate. 5% to 20% Cashback Bonus at over 150 top retailers through the online shopping mall. 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. (Warning: If your account is closed for any reason or if you fail to make the Minimum Payment Due by the Payment Due Date for two consecutive billing periods, your Cashback Bonus will be forfeited)
10. Citi® Diamond Preferred® Card
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| Interest Rate: | 11.99% - 21.99%* (Variable)* |
|---|---|
| Intro Rate: | 0% Intro APR* |
| Grace Period: | 20 - 25 Days |
| Credit Limit: | n/app |
| Annual Fee: | None |
Special Offers: *The introductory rate is available on balance transfers for 21 months and on purchases for 21 months.
Our Opinion: Created for those with good credit. One of the longest intro rates available for both purchases and balance transfers. No annual fee and a low interest rates. Balance transfer fee is 3% of transferred amount; $5 minimum.
11. IberiaBank Visa® Select Card
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| Interest Rate: | 7.50%, 9.50% or 11.50%* |
|---|---|
| Intro Rate: | 0.00% or 7.50% for 12 Months on Purchases |
| Grace Period: | 25 Days |
| Credit Limit: | n/a |
| Annual Fee: | $35 |
Special Offers: 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.
Our Opinion: Created for those with excellent credit who may occassionally carry a balance.Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. Introductory APR on Balance Transfers of 1.99% for the first 12 billing cycles. Applies to balance transfers processed within three months of your account open date. Assigned Purchase and Cash Advance APR may vary depending on your creditworthiness and other factors. Must be employed by current employer for a minimum of six months. Proof of income is required.
12. IberiaBank Visa® Gold Cash Back Rewards Card
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| Interest Rate: | 9.25%, 12.25%, or 15.25%** |
|---|---|
| Intro Rate: | 1.99% 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. Assigned Purchase and Cash Advance APR may vary depending on your creditworthiness and other factors.
13. IberiaBank Visa® Classic Card
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| Interest Rate: | 7.25%, 10.25%, or 13.25%** |
|---|---|
| Intro Rate: | 1.99% 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 the account open date.
Our Opinion: Low-rate Visa card created for those with average credit who sometimes carry a balance. Assigned Purchase and Cash Advance APR may vary depending on your creditworthiness and other factors.
14. IberiaBank Visa® Platinum Rewards Card
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| Interest Rate: | 9.25%, 12.25%, or 15.25%** |
|---|---|
| Intro Rate: | 1.99% 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. Assigned Purchase and Cash Advance APR may vary depending on your creditworthiness and other factors.
15. Capital One® VentureOne℠ Rewards Credit Card
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| Interest Rate: | 11.9% - 19.9% (V)* |
|---|---|
| Intro Rate: | 0% Intro on Purchases Until February 2013 |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | |
| Annual Fee: | None |
Special Offers: A 0% introductory rate is available on purchases until February 2013. See terms and conditions for complete details.
Our Opinion: The Capital One® VentureOne(SM) 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 1.25 mile per dollar spent on all purchases. Earn unlimited miles; miles do not expire. Miles are redeemable for flights on any airline with no blackout dates. Also redeem for travel, merchandise, and gift certificates. Miles can also be donated to participating charities. No annual fee. No foreign transaction fee. Click "Apply Now" to apply online or call 877-834-4206.
