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. Citi® Platinum Select® MasterCard®
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| Interest Rate*: | As low as 11.99% V |
|---|---|
| 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 9 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)
2. 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: | n/a |
| Annual Fee: | None |
Special Offers: *There is a 0% introductory APR on balance transfers for 12 months, and a 0% introductory APR on purchases for up to 6 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 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. 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).
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 December 2010 |
| Grace Period: | 25 Days |
| Credit Limit: | N/A |
| Annual Fee: | None |
Special Offers: A 0% introductory rate is available on purchases until December 2010. See terms and conditions for complete details.
Our Opinion: The Capital One® No Hassle Miles(SM) Rewards - Visa® 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. 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.
4. 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.
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: | n/a |
| Annual Fee: | None |
Special Offers: There is a 0% introductory APR on balance transfers for 6 months, and a 0% introductory APR on purchases for up to 6 months. See terms and conditions for complete details.
Our Opinion: Created for those with good credit who want a cash reward credit card. Those who spend up to $1,500 on general purchases will receive a .25% rebate. If a cardholder spends between $1,500 and $3,000, a .5% rebate will be earned. Earn 1% unlimited Cashback Bonus® on all other purchases after your total annual purchases exceed $3,000. Earn unlimited rebates and if the account is active during a 36-month period, rebates do not expire. Enroll and receive 5% Cashback Bonus® in reward categories that rotate every 3 months (such as gas/auto, movies, 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. 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. *See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
6. Citi Forward(SM) Card
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| Interest Rate*: | 14.24%V |
|---|---|
| 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 $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.
7. Capital One® No Hassle Miles(SM) Ultra - For Professionals
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| Interest Rate*: | 13.90% Variable |
|---|---|
| Intro Rate: | 0% on Purchases Until December 2010 |
| Grace Period: | 25 Days |
| Credit Limit: | N/A |
| Annual Fee: | $39 |
Special Offers: A 0% introductory rate is available on purchases until December 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 travel, merchandise, and gift cards. Benefits include purchase insurance and emergency roadside assistance. No foreign transaction fee. Offers concierge services.
8. IberiaBank Visa® Platinum Rewards Card
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| Interest Rate*: | 8.25%-14.25%* |
|---|---|
| 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.
9. IberiaBank Visa® Gold Cash Back Rewards Card
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| Interest Rate*: | 8.25%-14.25%* |
|---|---|
| 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.
10. IberiaBank Visa® Classic Card
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| Interest Rate*: | 7.25% - 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.
11. 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: | n/a |
| Annual Fee: | None |
Special Offers: There is a 0% introductory APR on balance transfers for 6 months, and a 0% introductory APR on purchases for up to 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. Created for those with good credit who want a cash reward credit card. Those who spend up to $1,500 on general purchases will receive a .25% rebate. If a cardholder spends between $1,500 and $3,000, a .5% rebate will be earned. Earn 1% unlimited Cashback Bonus® on all other purchases after your total annual purchases exceed $3,000. Earn unlimited rebates and if the account is active during a 36-month period, rebates do not expire. 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. 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. *See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
12. 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. 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.* 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. * See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
13. IberiaBank Visa® Select Card
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| Interest Rate*: | 7.50% |
|---|---|
| Intro Rate: | 7.50% APR for 12 Months |
| Grace Period: | 25 Days |
| Credit Limit: | n/a |
| Annual Fee: | $45 |
Special Offers: 7.50% APR on Purchases and Balance Transfers for the first 12 billing cycles. Applies to balance transfers processed within 3 months of account open date.
Our Opinion: Created for those with excellent credit who may occassionally carry a balance.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.
