Low Interest Credit Cards

Low interest credit cards with low ongoing APR are particularly suited for people who carry a balance month to month. These cards from different banks and issuers offer some of the lowest ongoing interest rates for purchases and balance transfers and can feature either a low fixed rate APR or a low introductory APR.

BankAmericard Cash Rewards™ Credit Card

Get $100 cash rewards bonus after you spend $500 on purchases in the first 90 days of account opening
1% cash back on purchases everywhere, every time
2% on groceries and 3% on gas for the first $1500 in combined gas and grocery purchases each quarter
Get a 10% customer bonus when you redeem cash back into a Bank of America® checking or savings account
0% introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, the regular APR
No Annual fee
No rotating categories and your rewards do not expire

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
0%*	12 billing cycles*	0%*	12 billing cycles for qualifying balance transfers*	12.99% - 22.99% Variable* on purchases & balance transfers	None*

Discover it®

The new Discover it card is out to change the way people think about credit cards. Apply online or call 1-888-312-0082
Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
Plus a Cashback Concierge^SM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
Flexible…Choose your own due date and pay up to midnight ET online or by phone.
Human…talk to a real person any time with 100% U.S.-based service.
0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
0%	6 months	0%	18 months	10.99% - 22.99% (V)*	$0

Barclaycard® Ring MasterCard®

A low 8% variable APR on balance transfers and purchases
No Annual Fees
No Balance Transfer Fees - start saving immediately!
Choose your card benefits and features
Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
Learn more about personal finance from Barclaycard and other members

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
N/A	N/A	N/A	N/A	8.00% (Variable)	$0

U.S. Bank FlexPerks® Travel Rewards Visa Signature® card

Get 17,500 bonus FlexPoints after the first $2,500 in net purchases in the first 150 days
Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or redemption fees
Earn one FlexPoint for every $1 of eligible net purchases charged to your card
Earn two FlexPoints for every $1 spent on gas, grocery or airline purchases - whichever you spend most on each monthly billing cycle - and on most cell phone expenses
Earn Triple FlexPoints for your charitable donations
$0 Annual Fee* the first year, after that $49*
Earn 3,500 bonus FlexPoints each year when you spend $24,000 in Net Purchases. You can redeem these FlexPoints for your annual fee or combine them with other FlexPoints for travel

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
0%	12 billing cycles	0%	12 billing cycles	13.99%-23.99% (Variable)	$0 1^st year, then $49

Chase Freedom® Visa

Click "APPLY NOW" to apply online or call 877-925-1141
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 from account opening
0% Intro APR for 15 months on purchases and balance transfers
5% Cash Back on up to $1,500 spent between Apr 1 and Jun 30, 2013 at restaurants, movie theaters, and Lowe's®
You'll enjoy new 5% categories every 3 months like gas stations, restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
Unlimited 1% Cash Back on all other purchases
No annual fee and rewards never expire

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
0%	15 months	0%	15 months	13.99%-22.99% (Variable)	n/a

Blue Cash Everyday® Card from American Express

Earn 100 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.
No annual fee, 0% intro APR on purchases for 12 months. After that, your APR will be a variable rate, currently 12.99%-21.99% with flexibility to pay over time.
Terms and Restrictions Apply.

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
0%	12 months	None	None	12.99% - 21.99% Variable	$0

Barclaycard Arrival World MasterCard — No Annual Fee Card

Start by earning 20,000 bonus miles when you make $1,000 or more in purchases in the first 90 days from account opening. 20,000 bonus miles equates to $200 off your next trip!
0% introductory APR on purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
Earn 2X miles on travel and dining purchases and 1X miles on all other purchases
No mileage caps and no foreign transaction fees
Get 10% miles back when you redeem for travel (e.g. redeem 25,000 miles for travel and get 2,500 miles back)
Use miles for a statement credit toward any airline purchase to any destination with no seat restrictions and no blackout dates
Easily redeem your miles for statement credits toward flights, cruises, car rentals, hotels and more
Complimentary subscription to TripIt Pro mobile travel organizer — a $49 annual value!

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
0%	12 months	N/A	N/A	14.99%-18.99% (Variable)	$0

Citi® Diamond Preferred® Card

Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
Citi® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item.
Let our 24/7 concierge service help book your hotel rooms, flights and more.
Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
$0 liability on unauthorized purchases and Citi® Identity Theft Solutions
No annual fee*

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
0%*	18 months*	0%*	18 months*	11.99%-21.99%* (Variable)	$0*

Barclaycard® Rewards MasterCard® - Excellent Credit

Earn up to 10,000 points, equal to a $100 statement credit, after spending $750 in the first three months
0% Introductory APR for 12 months on purchases
No annual fee
Earn 2 points per $1 on gas, grocery, and utility purchases
Earn 1 points per $1 everywhere else
Use the points you earn like cash to pay for almost any purchases you've made.
No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
This offer is for individuals with a good to excellent credit history which amongst other things is clear of bankruptcy and delinquent accounts

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
0%	12 billing cycles	N/A	N/A	14.99%-24.99% (Variable)	$0

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.
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
No late fees - EVER
No penalty rate - EVER
No annual fee - EVER
Save time when you call with fast, personal help, 24 hours a day.

Purchases		Balance Transfers		Regular APR	Annual Fee
Intro APR	Intro Period	Intro APR	Intro Period	Regular APR	Annual Fee
0%*	18 months*	0%*	18 months*	12.99% - 21.99%* (Variable)	$0*

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