List of Low Interest Credit Card Offers

Even in today’s difficult economic times, credit cards with low interest rates can still be found. In fact, most major credit cards offer one or more cards with low rates, and some even offer 0% APR introductory rate deals. And even if you have less than good credit, there are still cards available with reasonable rates.

Here’s a complete list of some of the most popular low interest rate cards, along with details about each card. To visit the card issuer’s website to get more information and apply for a card online, simply click the apply button for the card of your choice. Clicking the apply button does not obligate you to apply for the card, it simply takes you to the credit card issuer’s official website.

Chase Freedom® Visa
	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 15 months on purchases and balance transfers 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 - 6/30/12 You'll enjoy new 5% categories every 3 months like gas stations, 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 Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0.00%* 15 months on purchases* 12.99-22.99% (Variable)* $0.00* Yes Excellent Credit*

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 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--16 years in a row! (2012 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 Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0.00%* 15 months on purchases* 10.99-20.99% (Variable)* $0.00* Yes Excellent Credit*

Capital One® Platinum Prestige Credit Card
	0% intro APR until August 2013 on balance transfers 0% intro APR until August 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
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0.00%* Until 08/2013 on purchases* 10.90-18.90% (Variable)* $0.00* Yes Excellent Credit*

Citi® Platinum Select® MasterCard®
	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 Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0.00%* 18 months on purchases* 11.99-21.99% (Variable)* $0.00* Yes Excellent Credit*

Citi Simplicity® Card
	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 Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0.00%* 18 months on purchases* 12.99-21.99% (Variable)* $0.00* Yes Excellent Credit*

Citi® Diamond Preferred® Card
	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 Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0.00%* 18 months on purchases* 11.99-21.99% (Variable)* $0.00* Yes Excellent Credit*

Citi® Dividend Platinum Select® Visa® Card
	$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* Earn 5% cash back at The Home Depot and on Home Furnishing and Home & Garden purchases from 4/1/12 to 6/30/12 when you enroll. 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 Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0.00%* 12 months on purchases* 12.99-22.99% (Variable)* $0.00* Yes Excellent Credit*

Capital One® Cash Rewards - Excellent Credit
	$100 Bonus after you spend $500 in the first 3 months 50% bonus on the cash back you earn every year 1% cash back on all purchases No annual fee Earn unlimited cash rewards that don't expire Redeem cash rewards anytime for any amount, even set up automatic redemption Personalize your card with an image of your choice 0% intro APR on purchases and balance transfers until May 2013.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0.00%* Until 05/2013 on purchases* 12.90-20.90% (Variable)* $0.00* Yes Excellent Credit*

Capital One® VentureOneSM 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 May 2013 No foreign transaction fees No annual fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0.00%* Until 05/2013 on purchases* 11.90-19.90% (Variable)* $0.00* No Excellent Credit*

Citi® Platinum Select® Visa®
	0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness. $0 Liability on unauthorized purchases Citi® Identity Theft Solutions Secure, free online account management No annual fee*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 21 months on balance transfers and purchases* 11.99%-21.99%* (Variable) $0* Yes Excellent Credit*

Low interest credit cards come in three flavors: (1) cards that offer 0% on balance transfers, (2) cards that offer 0% on purchases, and (3) cards that offer a low regular APR on everyday purchases. And the best credit cards offer two or even all three features.

Low Interest on Balance Transfers

Low interest rates on balance transfers typically involve 0% for 6 to 12 months on all transferred balances. These offers charge a balance transfer fee, generally ranging from 3% to 5% of the amount transferred. The best deals available today are 0% for 12 months with a 3% balance transfer fee. This type of low interest card is ideal for those with existing credit card balances subject to high interest rates.

Low Interest on Purchases

Several credit card offers come with a 0% introductory rate on purchases. With these cards, you won’t pay any interest on your purchase balance as long as the introductory rate remains in effect. Most cards today that offer this feature come with 0% on purchases for either 6 or 12 months. Unlike a balance transfer, 0% introductory rates on purchases do not involve transfer fees, so you truly pay no interest during the introductory period. You will be required to make a minimum payment on the card each month, but the payment will go entirely toward paying down the principal. This type of low interest card is ideal for those looking to charge purchases and carry a balance for a short period of time without paying any interest.

Low Regular APR

Finally, some card offers come with a standard APR on purchases that is low. While there is no official definition of “low interest,” today low interest rates for credit cards typically means a regular APR in the 11% to 15% range. Many low interest rate cards combine this feature with a 0% introductory rate, so you can get the best of both worlds.