Credit Card Guide
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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.

 
     

     
 
LANPASS Visa Signature® Card
LANPASS Visa Signature® Card

LANPASS Visa Signature® Card

 

  • 1 LANPASS Mile for every $1 you spend
  • No Cap on Miles Earned
  • 20,000 Bonus Miles with your first card use
  • 4,000 Bonus Miles with your annual credit card renewal
  • Double Miles on LAN ticket purchases
  • $0 Introductory Annual Fee for the first year, thereafter $75*
  • No annual fee for the first year ($75 thereafter)*
  • 20% discount on LAN purchase (up to $1,000) 1 time per year
PurchasesBalance TransfersRegular APRAnnual Fee
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A12.99%-19.99% (Variable)$0 1st year, then $75

NFL Extra Points Credit Card
NFL Extra Points Credit Card

NFL Extra Points Credit Card

 

  • All 32 teams and NFL Shield card available
  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
PurchasesBalance TransfersRegular APRAnnual Fee
Intro APRIntro PeriodIntro APRIntro Period
0%
12 billing cycles0%12 billing cycles13.74% - 22.74% (Variable)$0

Citi Simplicity® Card
Citi Simplicity® Card

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.
PurchasesBalance TransfersRegular APRAnnual Fee
Intro APRIntro PeriodIntro APRIntro Period
0%*
18 months*0%*18 months*12.99% - 21.99%* (Variable)$0*

Barclaycard Arrival World MasterCard — $89 Annual Fee Card
Barclaycard Arrival World MasterCard — $89 Annual Fee Card

Barclaycard Arrival World MasterCard — $89 Annual Fee Card

 

  • Earn 40,000 bonus miles if you make $1,000 or more in purchases in the first 90 days from account opening. 40,000 bonus miles equates to $400 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 all purchases
  • No mileage caps and no foreign transaction fees
  • Get 10% miles back when you redeem for travel (i.e. 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!
PurchasesBalance TransfersRegular APRAnnual Fee
Intro APRIntro PeriodIntro APRIntro Period
0%
12 monthsN/AN/A14.99%-18.99% (Variable)$89, waived for 1st year

LifeMiles Visa Signature® Card
LifeMiles Visa Signature® Card

LifeMiles Visa Signature® Card

 

  • Earn 1 LifeMile for every net $1 you spend
  • 20,000 bonus LifeMiles with your first card use
  • 6,000 bonus LifeMiles with your annual credit card renewal
  • Double LifeMiles on Avianca and TACA Airlines ticket purchases
  • 50% Excess Baggage Redemption Discount on TACA Airlines
  • $0 Introductory Annual Fee for the first year, thereafter $75*
PurchasesBalance TransfersRegular APRAnnual Fee
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A12.99%-19.99% (Variable)$0 1st year, then $75

BankAmericard Travel Rewards® Credit Card
BankAmericard Travel Rewards® Credit Card

BankAmericard Travel Rewards® Credit Card

 

  • Earn 10,000 bonus points when you spend $500 on purchases in the first 90 days of account opening, which can be $100 towards travel purchases
  • Earn flexible travel points good for everything from flights to baggage fees
  • Earn 1.5 points for every dollar spent on purchases - 50% more than the average rewards programs which only offer 1 point per dollar
  • No limit to the total number of points you can earn and points don't expire
  • No annual fee
  • Simply pay for your travel with your card. Then, call or go online and you can redeem your points for a statement credit towards all or part of your travel purchases
  • No foreign transaction fees
  • Chip Technology provides you expanded global acceptance when shopping anywhere you go, outside of the U.S.
PurchasesBalance TransfersRegular APRAnnual Fee
Intro APRIntro PeriodIntro APRIntro Period
0%*
12 billing cycles*N/A*N/A*14.99% - 22.99% Variable* on purchases & balance transfersNone*

Slate® from Chase
Slate® from Chase

Slate® from Chase

 

  • Click "APPLY NOW" to apply online or call 888-353-0298
  • Introductory Offer - No Balance Transfer Fee!*
  • Transfer a balance during the first 60 days your account is open, and as an introductory offer you will pay no balance transfer fee!*
  • 0% Introductory APR for 15 months on purchases and balance transfers!*
  • Avoid interest and pay down balances faster with free Blueprint® features*
  • Patented Fraud Protection and zero liability on unauthorized purchases*
  • Add an additional card user to your Slate account at no extra cost*
  • No Annual Fee*
PurchasesBalance TransfersRegular APRAnnual Fee
Intro APRIntro PeriodIntro APRIntro Period
0%
15 months0%15 months11.99% - 21.99% Variable$0

Visa® Black CardTM
Visa® Black Card<sup>TM</sup>

Visa® Black Card<sup>TM</sup>

 

  • Receive special benefits at over 3,000 hotels, resorts and villas worldwide
  • Earn 25,000 bonus points when you spend $1,500 within 90 days of account opening
  • 1% cash back as a statement credit
  • 100% more value on airfare rewards. It only takes 25,000 points to get a $500 ticket
  • 24-Hour Concierge Service
  • Unlimited VIP Airport Lounge Visits
  • Luxury Gifts
  • Excellent Credit Needed
PurchasesBalance TransfersRegular APRAnnual Fee
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/A0%15 billing cycles14.99% (Variable)$495

SKYPASS Visa® Signature Credit Card
SKYPASS Visa<sup>®</sup> Signature Credit Card

SKYPASS Visa<sup>®</sup> Signature Credit Card

 

  • Get up to 15,000 Bonus Miles after your first purchase
  • Earn 1 mile for every $1 you spend in net purchases
  • Double Miles on Korean Air ticket purchases
  • Redeem miles for award travel and upgrades on any SkyTeam partner, including Korean Air and domestic carriers such as Alaska Airlines and Delta Air Lines
PurchasesBalance TransfersRegular APRAnnual Fee
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A12.99% - 19.99% (Variable)*$80

Citi® Hilton HHonorsTM Visa Signature® Card
Citi® Hilton  HHonors<sup>TM</sup> Visa Signature® Card

Citi® Hilton  HHonors<sup>TM</sup> Visa Signature® Card

 

  • Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening*
  • Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton HHonors portfolio.*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations*
  • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases*
  • No annual fee.*
PurchasesBalance TransfersRegular APRAnnual Fee
Intro APRIntro PeriodIntro APRIntro Period
N/A*
N/A*N/A*N/A*14.24% or 16.24%* (Variable)None

 
     

     
 
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