"Comparisons and secure applications
of the best credit card offers online."
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"Comparisons and secure applications of the best credit card offers online." |
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Low Interest |
Offers that fall into the low interest category distinguish themselves from other cards by having a low interest rate that does not expire after a set period of time. There are many cards that have a low or zero APR during an introductory period then fall back to a higher rate once the intro period expires. Card listed in this category may have an introductory period but will go to a rate that is lower than most other cards. These offers here are more for those expecting to carry a balance on their card over a long time frame and may represent better savings over the long haul. |
Updated: 2/3/2012 |
| Official Data and Rates | Features | More Info |
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Citi® Platinum Select® MasterCard®
Credit Level: Very Good
Annual Fee: $0*
Norm Rate: 11.99%-21.99%* (Variable)
Intro Rate: 0*
Intro Period: 18 Mo. on balance transfers and purchases*
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0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.* Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more Citi® Identity Theft Solutions No annual fee* |
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Capital One® Platinum Prestige Credit Card
Credit Level: Excellent
Annual Fee: None*
Norm Rate: 10.9% - 18.9% (V)*
Intro Rate: 0 intro APR on purchases
Intro Period: until May 2013*
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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 |
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Citi Simplicity® Card
Credit Level: Excellent
Annual Fee: $0*
Norm Rate: 12.99% - 21.99%* (Variable)
Intro Rate: 0*
Intro Period: 18 Mo. on balance transfers and purchases*
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0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness. Peace of mind through direct access to a service representative, no late fees and no penalty rate No annual fee |
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Blue Cash EverydaySM from American Express
Credit Level: Very Good
Annual Fee: $0*
Norm Rate: 17.24%-22.24% Variable
Intro Rate: 0 on Purchases
Intro Period: for 12 Mo.
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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 |
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Citi Forward® Card
Credit Level: Very Good
Annual Fee: $0*
Norm Rate: 12.99%-22.99%* (Variable)
Intro Rate: 0*
Intro Period: 12 Mo. on balance transfers*
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$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 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases APR reduction on purchases when using credit wisely No Annual Fee* |
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Chase Sapphire® Card
Credit Level: Excellent
Annual Fee: $0*
Norm Rate: 15.24% *(Variable)
Intro Rate: n/a*
Intro Period: n/a*
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Limited Time Offer - Earn 25,000 bonus points after you spend $3,000 in the first 3 months - that's $250 toward a flight or any other reward! 2 points per dollar spend on dining & 1 point per dollar spent on all other purchases. Points never expire and there are no limits on how many points you can earn Redeem points for travel, gift cards, merchandise, cash back and more 24/7 direct access to expert service advisors (No voice recording) No annual fee! |
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Citi® Diamond Preferred® Card
Credit Level: Very Good
Annual Fee: $0*
Norm Rate: 11.99%-21.99%* (Variable)
Intro Rate: 0*
Intro Period: 18 Mo. on balance transfers and purchases*
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0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.* 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass® $0 liability on unauthorized purchases and Citi® Identity Theft Solutions No annual fee* |
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Discover® More® Card - Balance Transfer Fee*
Credit Level: Very Good
Annual Fee: $0*
Norm Rate: 10.99% - 20.99% (Variable)*
Intro Rate: 0*
Intro Period: 18 Mo. on Balance Transfers; 6 on Purchases*
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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 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 |
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Blue Sky from American ExpressSM
Credit Level: Good
Annual Fee: $0*
Norm Rate: 17.24%-22.24% Variable
Intro Rate: 0 on Purchases
Intro Period: for 12 Mo.
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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 |
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| All reasonable efforts are made to collect and provide accurate information about current Low Interest credit card offers. Due to the dynamic nature of credit card issuers objectives and requirements, all information is presented without warranty. You may click in the "Apply Now" column to review the Low Interest credit card offer, terms and conditions on the credit card issuer's web site. | Next |
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Low Interest |
Since credit card issuers are always interested in attracting new customers, most offerings you will find advertised or marketed aggressively will promote a low interest rate. The online comparison web sites, such as this site, will usually rank the cards in the low interest category by the ongoing interest rate charged on purchases. The actual rate is typically presented as a range with a variance as great as 10%. Those with excellent credit ratings that maintain on-time payments can expect to receive the interest rate at the lower end of the range. The rest of us have will fall somewhere in between. By selecting a particular card and continuing to the issuer’s application page, you can find the actual breakdown of the rates and determine more closely what interest rate will be offered with the card along with more information regarding any promotional offers attached to the card. The only real tip to getting the maximum value from your new card is to take a good look at your current card balances and spending habits. If you are planning some large purchase that will remain as a balance on the new card for an extended period of time then opting for a low interest card is most likely the best route. An additional perk on most of the cards is a very low or zero rate for some introductory period of time. These two items combined can literally save hundreds of dollars over the course of maintaining an outstanding balance and many consumers find this to be the best path to take when applying for a new card. |
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