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Low Interest Credit Cards

Low interest credit cards are the most sought after credit cards in the industry. If you happen to carry a monthly balance, and millions of Americans do, then the less interest you will pay, the better off you will be. We feature issuers that have the lowest rates in the industry at the moment. Bear in mind that the terms for each offer are different. That is why it is vitally important that you carefully review and compare before you apply for a low APR credit card.

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 throughout the year like gas, restaurants, and department stores up to the quarterly maximum. Signing up each time is free and easy.*

Discover® More® Card


  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% – 20.99%*
  • 5% Cashback Bonus in categories that change throughout the year like gas, restaurants, and department stores up to the quarterly maximum. Signing up each time is free and easy.*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com

Simmons First Visa Platinum


  • Low 7.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred with this online offer

Discover® MotivaSM Card


  • Earn Cashback Bonus for your good credit managment
  • 0% intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% – 20.99%*
  • Up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com

Discover® Open Road Card


  • 0% intro APR on purchases and balance transfers for 15 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

Visa Black Card


  • Limited Membership
  • 24-Hour Concierge Service
  • Exclusive Rewards Program – redeem points for 1% cash back or for airfare on any airline with no blackouts or restrictions

PenFed Visa® Platinum Cash Rewards Card


  • Earn 5% cash back on gas purchases paid at the pump**
  • Earn 0.25% cash back on all purchases**
  • No annual fee

Iberiabank Visa® Classic


  • Low variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) based on the creditworthiness. This APR will vary with the market based on the Prime Rate.Great Balance Transfer Card.

We are all looking to save money. And without a doubt, one of the biggest ways to be parted from your hard-earned cash is by paying high interest rates. That is why it is so very important to find offers that have low rates.

In the credit card industry interest rates are referred to as the APR. APR stands for annual percentage rate and is basically a formula that tells you how much the credit that has been extended to you is going to cost.

It is also important to know how interest rates are calculated and how long the billing cycle is. We have all become accustomed to paying our credit card bills on a monthly basis, but many people would be surprised to learn that some cards have a billing cycle that is less than 30 days.

Another important factor that affects the cost of having a credit card are the fees. There are annual fees, penalty fees (when applicable), balance transfer fees, cash advance fees and others, depending upon the terms of the credit card account.

Of course having a credit card isn’t all gloom and doom in the form of interest rates and fees. There most definitely are some decided advantages including rewards programs and discounts. There is no question that substantial savings can be realized when consumers use their cards wisely.

Other benefits include 24/7 access account statements through the Internet, the ability to track expenses, protection against unauthorized use, purchase protection and immediate access to account representatives either online or over the phone.

Finding the perfect low interest credit card to meet your financial needs is a matter of doing some simple, but necessary research. The ability to compare credit cards cannot be understated. Doing side-by-side comparisons is a great way to find the card that best addresses your specific financial needs.

Many credit card companies also have introductory rates. In some cases there may even be offers for a 0% APR for a limited amount of time, usually six months but sometimes longer. Before you apply, be sure that you know what the rate will be when the introductory period ends.

Some of these cards will also have a balance transfer option which may be helpful if you currently carry a balance on a credit card that charges you a high interest rate. This is yet another example of why it pays to do some active hands-on research and look around before submitting an application.

Finding low interest credit cards is not that difficult. But finding the low rate cards that will truly benefit you and serve your credit needs takes some serious consideration. We urge you to carefully review the terms and conditions of the offers that interest you before you apply.

Related Information:

  1. Tips for Finding the Finest Low Interest Credit Cards Without question, low interest credit cards can save you a significant amount of money. Know exactly what you should look for to save the most money….
  2. Tips for Qualifying for Low Interest Credit Cards Some sound advice on how you can qualify for the best low interest credit cards on the market. Search, compare and apply for low APR credit cards….
  3. Winning Big With Low Interest Credit Cards There is no doubt that low interest credit cards can save you a considerable amount of money. Compare the leading offers and apply online right here….
  4. Low Interest Rate Credit Cards – Apply for the Best Offers Find out how you can find low interest rate credit cards quickly and easily….