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Low Interest Credit Cards
Get a great deal on a credit card that gives you a low interest rate. Save money when you use one of this cards with a low APR.

Credit Cards Offering the Lowest Interest Rates

Card Name Intro Rate Balance Transfer
Intro Rate		 Regular Apr Annual Fee Editor's Rating down

Discover® More® Card - Balance Transfer Fee*


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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

    		•
    Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 6 months on purchases*     		10.99-20.99% (Fixed)* $0.00* Excellent Credit*

    Citi Forward® Card


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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*

    		•
    Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 7 months on purchases*     		12.99-22.99% (Variable)* $0.00* Excellent

    Citi® Diamond Preferred® Card


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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*

    		•
    Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 18 months on purchases*     		11.99-21.99% (Variable)* $0.00* Excellent Credit*

    Citi ThankYou® Preferred Rewards Card - $150 in Gift Cards


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  • $150 in gift cards - When you redeem the 15,000 bonus ThankYou® Points received after $1,000 in purchases within 3 months of account opening
  • 5 ThankYou Points for every $1 spent on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 spent thereafter and for all other purchases*
  • Enjoy no limit on the number of points you can earn
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • No annual fee*

    		•
    Intro APR and Period Regular APR Annual Fee Credit Needed
    N/A* 12.99-22.99% (Variable)* $0.00* Excellent

    Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back


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  • $100 cash back after $500 in purchases within the first 3 months of account opening
  • 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment.
  • Each quarter, you can enroll to earn additional cash back in popular categories.
  • Full 1% cash back on all other purchases and eligible cash advances.
  • No annual fee*

    		•
    Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 12 months on purchases*     		12.99-22.99% (Variable)* $0.00* Excellent Credit*

    Chase Freedom® Visa - $100 Bonus Cash Back


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  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 0% Intro APR for 12 months on balance transfers and 6 months on purchases
  • 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
  • You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases without limits on what you can earn and up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • No annual fee and rewards never expire

    		•
    Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 6 months on purchases*     		11.99-22.99% (Fixed)* $0.00* Excellent Credit*

    Citi® Platinum Select® MasterCard®


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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*

    		•
    Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 18 months on purchases*     		11.99-21.99% (Variable)* $0.00* Excellent Credit*

    Slate® from Chase


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  • 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

    • Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 15 months on purchases*     		11.99-21.99% (Fixed)* $0.00* Excellent Credit*

    Discover® Motiva Card


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  • Earn Cashback Bonus® for your good credit management
  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 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
  • $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

    		•
    Intro APR and Period Regular APR Annual Fee Credit Needed
    3.99%*
    for 15 months on purchases*     		10.99-20.99% (Variable)* $0.00* Excellent

    Chase Freedom® Visa - $200 Bonus Cash Back


    Apply Online for This Credit Card

  • This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
  • Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months
  • 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
  • You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • Up to an additional 10% Cash Back when you shop online at select merchants through Chase
  • No annual fee and rewards never expire

    		•
    Intro APR and Period Regular APR Annual Fee Credit Needed
    N/A* 15.99-22.99% (Fixed)* $0.00* Excellent Credit*

    Citi Simplicity® Card


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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

    		•
    Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 18 months on purchases*     		12.99-21.99% (Variable)* $0.00* Excellent Credit*

    Blue Cash EverydaySM from American Express


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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

    		•
    Intro APR and Period Regular APR Annual Fee Credit Needed
    0.00%*
    for 12 months on purchases*     		17.24-22.24% (Variable)* $0.00* Excellent Credit*

    Visa® Black Card


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  • Made with carbon, not just another piece of plastic; Membership is limited
  • 24-hour concierge service at your disposal
  • Unlimited VIP airport lounge visits
  • Exclusive rewards program; 1% cash back or airfare on any airline - no blackouts or restrictions
  • Accepted globally; zero liability protection against unauthorized purchases

    		•
    Intro APR and Period Regular APR Annual Fee Credit Needed
    N/A* 14.99% (Fixed)* $495.00* Excellent Credit*


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    * See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information.
    However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card
    terms and conditions on the issuer's website.

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