Low Interest Credit Cards
Great low interest credit cards whose low rates don't just expire after an introductory period - although some do offer 0% APR promotions that make them especially sweet
These low interest credit cards for 2012 have a low ongoing (standard) interest rates, not taking into consideration any introductory rate offers.
You probably receive a large number of credit card offers advertising low ongoing interest or 0% introductory APR. So when it comes time to choose the best credit card, deciding can be tough. Low interest credit cards are a great choice in many ways, especially if you plan to carry over a balance from month to month or if you are trying to manage credit card debt.
Slate® from Chase - $75 Bonus and Up to 15 Month Intro Duration
- Earn $75 Statement Credit after you make $300 in purchases in your first 3 months
- 0% Intro APR for up to 15 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
- Transfer your higher rate balances
- No Annual Fee
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
Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR
- 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
- Up to an additional 10% Cash Back when you shop online at select merchants through Chase
- No annual fee and rewards never expire
Discover® More® Card
- 0% intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 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 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 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
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
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 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
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 alerts
- 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
Discover® MotivaSM Card
- Earn Cashback Bonus for your good credit management
- 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 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 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
Simmons First Visa Platinum
- Created for those with Excellent Credit and approval is based on your credit rating and application review.
- Low 7.25% variable standard purchase APR and platinum benefits
- No balance transfer fee for balances transferred in response to this online offer
- No Annual Fee
PenFed Visa Platinum Cash Rewards Card
- Earn 5.00% cash back from gas purchases paid at the pump*
- Earn 0.25% cash back on all purchases you make with the card during each billing cycle**
- Up to $50,000 limit
- No Annual Fee
- Cash Rewards credited each month
- No special restrictions to earn your cash rewards
- During Jan. 1, 2012 through March 31, 2012,all balance transfers carry a 1.99% Promotional APR for 24 months. After that, the APR for the unpaid balance and any new balance transfers will be 9.99% APR and will vary with the market based on the Prime Rate
Iberiabank Visa® Classic
- No annual membership fee
- Low variable rate of 7.25%, 10.25%, or 13.25% 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 $0.50).
- 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. This APR will vary with the market based on the Prime Rate.
Iberiabank Visa® Platinum
- Earn up to 17,000 bonus points in the first year of account ownership. An initial bonus of 5,000 points will be awarded with your first purchase and an additional bonus of 1,000 each month purchases of $250.00 or more are made in the first 12 months of account ownership. 1 bonus point for every $1 in qualifying net retail purchases will be earned outside of the initial bonus offer. Rewards can be redeemed with as little as 700 bonus points.
- Earn 1 bonus point for every $1 in qualifying net retail purchases in addition to and outside the initial bonus. You can ScoreMore with Bonus Points - 2X, 3X, 4X or more at participating retailers online and in-store. Turn your points into hotel, gift or experience rewards with as little as 700 bonus points.
- No annual membership fee
- Low variable rate of 9.25%, 12.25%, or 15.25% based on the creditworthiness. This APR will vary with the market based on the Prime Rate.
- Low Introductory ARP on balance transfers of 1.99% for your first 6 billing cycles.After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. Applies to balance transfers processed within three months of your account open date.
- Turn your points into hotel, gift, or experience rewards
- Product Enhancements include: Auto Rental Collision Damage Waiver, Roadside Dispatch, Travel Emergency Services, and Travel accident coverage up to $1,000,000.
- Free Online access to credit card account information
Iberiabank Visa® Select
- Introductory Rate of 0.00% or 7.50% for 12 months from date opened, on Purchases. (If there is an interest charge, the charge will be no less then $0.50). 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. This APR will vary with the market based on the Prime Rate.
- Low Ongoing Variable Rate APR after introductory period of 7.50% (Prime + 4.25%). This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less then $0.50).
Iberiabank Visa® Gold
- Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%)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 $0.50).
- Low Introductory APR on Balance Transfers of 1.99% for the 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. This APR will vary with the market based on the Prime Rate.
- Low Ongoing Variable Rate APR after introductory period of 7.50% (Prime + 4.25%). This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less then $0.50).
PenFed Promise Visa Card
- Absolutely no fees
- 7.49% APR introductory purchase APR for first 36 months ! After that, the APR will vary with the Prime Rate, and is currently 9.99% APR.
- No-fee cash advances carry a 17.99% APR
- For a limited time, fee-free promotional balance transfer offer of 7.49% Promotional APR for 24 months* on transfers between January 1, 2012, and March 31, 2012.* After that, the APR for the unpaid balance or any new transfers will be 17.99%. No balance transfer fee!
PenFed Premium Travel Rewards American Express Card
- 5x points on airfare purchases
- 1x point on all other purchases
- 20,000 bonus points when you spend $650 in the first 3 months
- No annual fee
- No foreign transaction fee
- Complimentary concierge service
- Exceptional travel offers and discounts
Simmons First Visa Platinum Rewards
- Created for those with Excellent Credit and approval is based on your credit rating and application review.
- Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
- Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions.
- No balance transfer fee for balances transferred in response to this online offer
Other Low Ongoing Interest Cards to Consider
Discover® More® Card - Ongoing Interest Rate: 10.99 - 20.99% V Introductory APR: 0% intro APR on purchases and balance transfers for 15 months. 5% Cashback Bonus in categories that change like gas, restaurants, movies and more. Annual Fee: None. (click for all terms and conditions.)
Citi Platinum Select MasterCard - Ongoing Interest Rate: 11.99-21.99% variable rate*. This APR will vary with the market based on the Prime Rate. Both the rate and duration of this offer will be based on your creditworthiness.* Introductory APR: 0% intro APR on purchases for 21 months. Annual Fee: None. (click for all terms and conditions.)
Simmons First National Bank Visa Platinum Rewards - (Note: Excellent Credit Required - Applicants that do not have excellent credit will not be approved.) Ongoing Interest Rate: 9.25% variable rate*. Introductory APR: Same as ongoing. Annual Fee: None. Also: Travel rewards program offers one point per net dollar; redeem points for free travel across all U.S. airlines. (click for all terms and conditions.)
Franklin Templeton Bank & Trust Platinum MasterCard - Ongoing Interest Rate: 11.24% variable rate*. Introductory APR: Same as ongoing. Annual Fee: None. (click for all terms and conditions.)
Citi Forward® Card - Ongoing Interest Rate: 12.99-22.99% variable rate*, but you can reduce the interest rate by .25 points every 3 months when you use the card, pay on time, and stay under the credit limit. Total reduction can be a maximum 2%. Introductory APR: 0% for 7 months*. Annual Fee: None. Also: Earn 5 reward points for every $1 you spend on restaurants and entertainment; earn 1 reward point for every $1 you spend on other purchases. (click for all terms and conditions.)
True Earnings® Card from Costco and American Express® - Ongoing Interest Rate: 15.24% variable rate*. Introductory APR: 0% intro APR on purchases for 6 months. Annual Fee: None. Also: Earn 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 2% for restaurants, 2% for travel, 1% virtually everywhere else. (click for all terms and conditions.)
Discover® Open Road - $150 Restaurant.com Gift Certificate** - Ongoing Interest Rate: 10.99-20.99% variable rate*. Introductory APR: 0% on purchases for 12 months. Annual Fee: None. Also: Earn 2% Cashback Bonus automatically at any gas station and any restaurant, and up to 1% unlimited Cashback Bonus on all other purchases. (click for all terms and conditions.)
IberiaBank Visa Classic - Ongoing Interest Rate: Variable Rate APR ranging from "Prime + 4% - Prime + 10% (7.25%/10.25%/13.25%)" depending on creditworthiness and other factors. Introductory APR: Same as ongoing. Annual Fee: None. Purchase and Cash Advance APR's may vary with the market based on the Prime Rate. (click for all terms & conditions.)
Iberiabank Visa Gold - Ongoing Interest Rate: Variable Rate APR 9.25%, 12.25%, or 15.25% ranging from ("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 Introductory APR: Same as ongoing. Annual Fee: None. Purchase and Cash Advance APR's may vary with the market based on the Prime Rate. Also, Earn 1% in cash back credit on all qualifying purchases. (click for all terms & conditions.)
Iberiabank Visa Platinum - Ongoing Interest Rate: Variable Rate APR 9.25%, 12.25%, or 15.25% ranging from ("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. Introductory APR: Same as ongoing. Annual Fee: None. Purchase and Cash Advance APR's may vary with the market based on the Prime Rate. Also, Earn 1 bonus point for every $1 in qualifying net retail purchases. (click for all terms & conditions.)
US Bank Visa Platinum Credit Card - Ongoing Interest Rate: 11.99% - 23.99% variable rate*. Introductory APR: 0% for 6 months. Annual Fee: None. (click for all terms and conditions.)
Sierra Trading Post Rewards Visa - Ongoing Interest Rate: 12.99% - 23.99% variable rate*. Introductory APR: Same as standard rate. Annual Fee: None. (click for all terms and conditions.)
Wells Fargo Platinum Visa Credit Card - Ongoing Interest Rate: 10.15 - 22.15% variable rate*. Introductory APR: 0% for six months. Introductory Balance Transer: 0% for six months, then same as ongoing. Annual Fee: None. (click for all terms and conditions.)
Coldwater Creek Visa Credit Card - Ongoing Interest Rate: 15.24 -19.24% variable rate*. Introductory APR: Same as standard rate. Annual Fee: None. (click for all terms and conditions.)
Nordstrom Platinum Visa - Ongoing Interest Rate: 10.90 - 22.90% variable rate*. Introductory APR: Same as ongoing. Annual Fee: None. (click for all terms and conditions.)
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"As comprehensive a list as you'll find of all the credit card offers on the table now."
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