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.

Capital One® Platinum Prestige Credit Card

To apply online click the "Apply Now" button or call 1-866-582-0808
0% intro APR until September 2013 on balance transfers
0% intro APR until September 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 Purchase APR 0% Until 09/2013 on purchases*	Intro Balance Trans. APR 0% Until 09/2013 on balance transfers*	APR 10.90-18.90% (Variable)*	Annual Fee $0.00*

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 Purchase APR 0% for 18 months on purchases*	Intro Balance Trans. APR 0% for 18 months on balance transfers*	APR 11.99-21.99% (Variable)*	Annual Fee $0.00*

Capital One® VentureOne^SM Rewards Credit Card

Capital One® VentureOne<sup>SM</sup> Rewards Credit Card

To apply online click the "Apply Now" button or call 1-866-582-0808
1.25 miles per dollar on every purchase, every day and no annual fee
One-time bonus of 10,000 miles once you spend $1,000 dollars in the first 3 months, equal to $100 on travel.
Redeem miles for airline tickets, hotel rooms, car rentals and more
No limit on the miles you can earn and miles don't expire
Fly on any airline, any time with no blackout dates
0% intro APR on purchases until June 2013
No foreign transaction fees

Intro Purchase APR 0% Until 06/2013 on purchases*	Intro Balance Trans. APR N/A*	APR 11.90-19.90% (Variable)*	Annual Fee $0.00*

Slate® from Chase

No Balance Transfer Fee!*
0% Intro APR for 15 months on purchases and balance transfers
Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee!
After the first 30 days, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5
Avoid interest on everyday purchases
Pay down your balance faster
Zero liability on unauthorized purchases*
No Annual Fee*

Intro Purchase APR 0% for 15 months on purchases*	Intro Balance Trans. APR 0% for 15 months on balance transfers*	APR 11.99-21.99% (Variable)*	Annual Fee $0.00*

Capital One® Venture^SM Rewards Credit Card

Capital One® Venture<sup>SM</sup> Rewards Credit Card

To apply online click the "Apply Now" button or call 1-866-582-0808
2 miles per dollar on every purchase, every day
Money® Magazine's "Most Rewarding Card if you crave free airline flights" - Money Magazine, May 2011
Earn 10,000 bonus miles when you spend $1,000 within the first 3 months, equal to $100 in travel
Redeem your miles for any travel expense
No limit on the miles you can earn and miles don't expire
Fly on any airline, any time with no blackout dates
No foreign transaction fees
$0 intro annual fee for the first year; $59 after that

Intro Purchase APR N/A*	Intro Balance Trans. APR N/A*	APR 13.90-20.90% (Variable)*	Annual Fee $0.00 1^st year, then $59.00*

Capital One® Cash Rewards - Excellent Credit

Click 'APPLY HERE' to apply online or call 1-866-582-0808
$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 back that doesn't expire
Redeem cash back anytime for any amount, even set automatic redemptions
Personalize your card with an image of your choice
0% intro APR on purchases and balance transfers until June 2013.

Intro Purchase APR 0% Until 06/2013 on purchases*	Intro Balance Trans. APR 0% Until 06/2013 on balance transfers*	APR 12.90-20.90% (Variable)*	Annual Fee $0.00*

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 Purchase APR 0% for 18 months on purchases*	Intro Balance Trans. APR 0% for 18 months on balance transfers*	APR 12.99-21.99% (Variable)*	Annual Fee $0.00*

Citi® Platinum Select® Visa®

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 Purchase APR 0% for 18 months on purchases*	Intro Balance Trans. APR 0% for 18 months on balance transfers*	APR 11.99-21.99% (Variable)*	Annual Fee $0.00*

Citi ThankYou® Preferred Rewards Card - $250 in Gift Cards

$250 in gift cards - When you redeem the 25,000 bonus ThankYou® Points received after $2,000 in purchases within 4 months of account opening
Earn 1 point for every $1 you spend on all purchases
Receive an anniversary bonus every year you're a cardmember
No expiration and no limit on the points you can earn
Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
No annual fee*

Intro Purchase APR N/A*	Intro Balance Trans. APR N/A*	APR 12.99-22.99% (Variable)*	Annual Fee $0.00*

Citi ThankYou® Card

Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness*
Plus earn 1 ThankYou Point for every $1 you spend on purchases
Earn an anniversary bonus on points earned from purchases every year*
Enjoy no limit on the number of points you can earn
Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
No annual fee*

Intro Purchase APR 0% for 15 months on purchases*	Intro Balance Trans. APR 0% for 15 months on balance transfers*	APR 12.99-22.99% (Variable)*	Annual Fee $0.00*

Page 1

Page 2

Page 3

	Low Interest Credit Cards
	A low interest credit card is recommended over other card benefits if you would like to finance your holiday shopping or a large purchase, or you desire to use a balance transfer to pay off higher interest loans. Low interest cards can be a great deal, because in addition to long-term low rates, many offer a great introductory rate, typically ranging from 0% to 3.99% annually. The introductory rate may apply to balance transfers, purchases, or both, and it will extend from six months to more than twelve months. After the introductory period, the interest rate on low APR cards typically ranges from 6.5% to around 15.99%. When you compare low APR credit cards, read the terms and conditions carefully and then weigh all of the above factors to find the card that best fits your needs. To qualify for a lowest interest credit card, you will generally need good to excellent credit rating. However, regardless of your situation, you can still find a low rate credit card that fits your profile. You may even find that your existing card company will lower the rate on the card you have, rather than lose you as a customer. There are two types of rates on low interest credit cards: "fixed" APR and "variable" APR. If your low interest card has a fixed APR, your rate will, for the most part, remain the same. The credit card company may still change the fixed APR rate, but they will notify you in advance. With a variable APR, the rate on your low interest card is typically linked to the national prime rate; when it changes, your rate may too. If you plan on carrying a balance, a fixed rate is often the best way to go. If you want to transfer a balance, see our collection of cards with 0 APR introductory rates on balance transfers. If you plan to regularly pay off your balance before the end of the month, you may instead be interested in

View Related Stories

3 Ways to Lower Your Credit Card APR - If you have a good credit history, it may be possible for you to lower your credit card APR -- sometimes substantially. Here are some tips for helping you choose which APR-lowering strategy might work best for you ...

How to Compare Low Interest Credit Card Offers - About half of U.S. cardholders carry a balance forward on their credit cards from month to month. With credit card interest rates continuing to inch upwards, it makes more sense than ever to look for ways to reduce interest expenses.

ALL CREDIT CARD HELP & ADVICE ARCHIVES >>