Find the Best Low Interest Credit Card Offer
For customers who tend to carry a balance from month to month on their credit cards, but have good credit, a low interest credit card might be the best choice. When the interest rate on the card is low, and you carry a balance on your account, you pay less in interest.
When shopping for a low interest rate credit card be sure to compare all of the features and options for a particular card because it does not make sense to get a card because of the low interest rate, but then you end up paying high annual fees. Also, be mindful of credit card offers that have a very low introductory APR, but then after a period of time, which varies between six and 18 months or more, switch to a higher fixed interest rate.
Doing your homework carefully can pay off in the long run when you can find a card with an ongoing low fixed interest rate that does not also have high annual fees. If you have good credit, a low interest credit card can help you save money.
Online Applications for Low Interest Credit Cards
These online credit card applications keep your personal data safe by utilizing SSL technology.
SimplyCash® Business Card from American Express OPEN
- Get 5% cash back on wireless services and office supply purchases*
- Get 3% cash back on automobile gasoline*
- Get 1% cash back on other purchases*
- No limit to the amount of cash back you can earn
- Cash back on purchases is automatically credited to your statement each month
- Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®
- No annual membership fee
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 12.24% - 19.24% Variable Variable | Very Good | $0 |
Discover® Mix Tape Student Card
- 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.com
- Up to 1% unlimited Cashback Bonus on everything else you buy
- $0 Fraud Liability plus mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 13.99%- 20.99 V Variable | Very Good | $0 |
LSU® Tigers™ Platinum MasterCard® from Capital One®
- 2 points per $1 on purchases at gas stations and major grocery stores
- 1 point per $1 spent on all other purchases
- No limit on the points you can earn and points don't expire
- Redeem for travel, gift cards and merchandise
- Choose from 2 unique LSU® card designs or create your own image card
- 0% intro APR on purchases until February 2013
- No annual fee
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 13.9% - 19.9% (V) Variable | Very Good | $0 |
IberiaBank Visa® Gold Cash Back Rewards Card
- No annual membership fee
- Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
- Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
- Earn 1% in cash back credit on all qualifying purchases
- No limit on cash back; no expiration date on eligibility for accounts in good standing
- Travel accident coverage up to $500,000
- Online access to credit card account information
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 1.99% | 9.25%, 12.25%, or 15.25%* Variable | Good | $0 |
Discover® Open Road Card - $150 Restaurant.com Gift Certificate
- Receive a $150 Restaurant.com Gift Certificate with first purchase
- 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 2% automatically at gas stations and restaurants all year long*
- Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 10.99% - 20.99% (V)* Variable | Very Good | $0 |
Blue Cash Everyday(SM) Card from American Express
- Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
- 0% intro APR on purchases for 12 months, flexibility to pay over time
- Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
- NO spend minimum, NO enrollment, and NO rotating rewards categories
- Get a $25 Referral Bonus for each friend or family member who is approved for the Card
- No annual fee, flexibility to pay over time
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 17.24%-22.24% Variable Variable | Any | $0 |
IberiaBank Visa® Platinum Rewards Card
- No annual membership fee
- Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
- Low Introductory ARP on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
- Earn 1 bonus point for every $1 in qualifying net retail purchases
- Turn your points into hotel, gift, or experience rewards
- Travel accident coverage up to $1,000,000
- Online access to credit card account information
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 1.99% | 9.25%, 12.25%, or 15.25%* Variable | Very Good | $0 |
Discover® Open Road Card for Students
- 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
- Double Cashback Bonus®* at gas stations and restaurants.
- Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.com
- Up to 1% unlimited Cashback Bonus on everything else you buy
- $0 Fraud Liability plus mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 13.99%- 20.99% V Variable | Any | $0 |
Escape by Discover® Card
- Earn up to $250 in travel rewards--1,000 Bonus miles every month you make a purchase for the first 25 months
- Double Miles on every $1 you spend
- 0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 16.99%*
- No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
- Flexible redemption options like travel credits, merchandise, gift cards or cash
- Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- *Click apply to view rates, fees, rewards, limitations and other important information
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 10.99% - 16.99% (V)* Variable | Any | $60 |
Miles by Discover® Card
- Earn up to $120 in travel rewards--1,000 Bonus miles every month you make a purchase for the first year
- 1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash
- 0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%*
- No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
- Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 10.99% - 16.99% (V)* Variable | Very Good | $0 |
Capital One® Platinum Prestige Credit Card
- 0% intro APR until May 2013 on balance transfers
- 0% intro APR until May 2013 on purchases
- No annual fee
- $0 Fraud Liability if your card is lost or stolen
- 24-hour travel assistance gives you a replacement card and cash advance
- 24-hour roadside assistance
- Pick an image for your card - choose the one shown here, any of the hundreds in our collection, or add your own
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 10.9% - 18.9% (V) Variable | Very Good | $0 |
Slate® from Chase - Limited Time: No Balance Transfer Fee
- LIMITED TIME: No Balance Transfer Fee!*
- Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee! After that, the balance transfer fee is 3% of the amount transferred with a minimum of $5
- 0% Intro APR for up to 12 months - a variable APR as low as 11.99-21.99% after your 0% ends
- Slate with Blueprint helps you pay down your balances faster and save on interest
- Zero liability on unauthorized purchases*
- No Annual Fee*
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 11.99% - 21.99% (Variable) Variable | Any | $0 |
Discover® Student Card - $25 Cashback Bonus
- Get $25 Cashback Bonus®* when you make your 1st purchase within 3 months
- 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 13.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.com
- Up to 1% unlimited Cashback Bonus on everything else you buy
- $0 Fraud Liability plus mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 13.99%- 20.99 V Variable | Very Good | $0 |
Slate® from Chase MasterCard
- 0% for up to 15 months - after that a variable APR as low as 11.99% - 21.99% after your 0% ends
- Slate with Blueprint® helps you pay down your balances faster and save on interest
- Transfer your higher rate balances
- No Annual Fee
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 11.99% - 21.99% Variable Variable | Any | $0 |
Discover® More Card - 18 Month Promotional Balance Transfer
- 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 10.99% - 20.99% (V)* Variable | Very Good | $0 |
Capital One® Orbitz® Visa® Platinum
- 3 points per dollar spent on eligible Orbitz.com bookings
- Get 1 point per dollar on all other purchases
- Bonus points on eligible Orbitz.com bookings
- No limit on the points you can earn and points don't expire
- Redeem for travel, merchandise, gift cards and more
- Earn travel quickly with low redemption minimums
- 250 point refueling bonus when you redeem points for awards
- No annual fee
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 13.9% - 19.9% (V) Variable | Very Good | $0 |
IberiaBank Visa® Classic Card
- No Annual Membership Fee
- Low variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
- Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
- Online Access to Credit Card Account Information
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 1.99% | 7.25%, 10.25%, or 13.25%* Variable | Any | $0 |
Capital One® VentureOne℠ Rewards Credit Card
- 1.25 miles per dollar on every purchase, every day
- Earn 10,000 bonus miles, equal to $100 in travel
- Redeem miles for airline tickets, hotel rooms, car rentals and more
- No limit on the miles you can earn and miles won't expire
- Fly free on any airline, any time with no blackout dates
- 0% intro APR on purchases until February 2013
- No foreign transaction fees
- No annual fee
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 11.9% - 19.9% (V) Variable | Excellent | $0 |
Horizon Gold Card
- $500 Credit Limit
- Guaranteed Approval
- No Credit Check
- Fast Online Application
- No Employment Check
- Reports to Major Bureau
- Always 0.0% APR
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 0% Fixed | Bad Credit OK | $0 |
Discover® More Card - $0 Balance Transfer Fee!
- Limited Time Offer - $0 Balance Transfer Fee!*
- 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 10.99% - 19.99% (V)* Variable | Any | $0 |
Blue Sky from American Express®
- No annual fee
- Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel - anytime
- Pay your bill all at once, or over time. It's up to you.
- Blue Savings Program™: big deals on big brands, all the time
- Rated "Best Airline Credit Card" by Card Ratings Consumer's Choice Awards in 2010
- Get approved in 60-seconds
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 17.24%-22.24% Variable Variable | Any | $0 |
IberiaBank Visa® Select Card
- Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. This rate will not change during the introductory period.
- Low Introductory APR on Balance Transfers of 1.99% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
- Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, and Prime + 8.25%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- Product Enhancements include: Auto Rental Collision Damage Waiver, Roadside Dispatch and Travel Emergency Services.
- Online access to credit card account information
- Low Annual Fee of $35.00.
- Apply online now
| Intro APR | Regular APR | Credit Needed | Annual Fee |
|---|---|---|---|
| 0% | 7.50%, 9.50% or 11.50% Variable | Any | $35 |
