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Low interest credit cards and online applications

  • APR:10.99% - 22.99% Variable*
  • Annual Fees:$0
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Key Features: 0% for 14 months on Purchases AND Balance Transfers - good bash back rewards - excellent customer service - no Annual fee.

Our #1 priority is finding Your Best Credit Card Applications!

Many card offer saving on interest. What other features benefit Your lifestyle?

There are certain types of credit card habits that can be more costly than others, and if you're on the lookout for the best credit card that will not leave you paying large amounts of money for carrying a balance at the end of every month, then seeking out a low interest credit card may be a great idea.

Low interest credit cards may be best for consumers who have a habit of carrying a balance from one month to the next. This practice isn't usually recommended, but is often unavoidable, and therefore, a low interest account can help to reduce the charges you might incur for doing so in a particular month. More...

 
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Discover it®
Discover it®

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Key Features: 0% for 6 months on purchases - 0% for 18 months on balance transfers - good cash back rewards - excellent customer service - no annual fee.


Intro Purchase Apr Regular Apr Ann.Fee
0% 10.99% - 22.99% Variable* $0
Type: Low Interest, Balance Tra ...
Rank: #1 Top 10 Best Credit Ca ...
Credit Needed:   Excellent
  • 0% intro APR on balance transfers for 18 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power*.
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements*.
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • *+See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
 
CCA In-House Review & more info
Discover it®
Discover it®

see credit card application

Key Features: 0% for 14 months on Purchases AND Balance Transfers - good bash back rewards - excellent customer service - no Annual fee.


Intro Purchase Apr Regular Apr Ann.Fee
0% 10.99% - 22.99% Variable* $0
Type: Low Interest, Balance Tra ...
Rank: #1 Gas Cards, #1 Cash Ba ...
Credit Needed:   Excellent
  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power*.
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements*.
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S.- based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
 
CCA In-House Review & more info
Barclaycard® Ring MasterCard®
Barclaycard® Ring MasterCard®

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Key Features: Very low ongoing rate - no balance transfer fees and no annual fees.


Intro Purchase Apr Regular Apr Ann.Fee
N/A 8.00% (Variable) $0
Type: Low Interest, Balance Tra ...
Rank: #2 Credit Quality Excell ...
Credit Needed:   Excellent
  • No Balance Transfer Fees - start saving immediately!
  • A low 8% variable APR on balance transfers and purchases
  • No Annual Fees
  • 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
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
 
CCA In-House Review & more info
The Carnival™ MasterCard®
The Carnival™ MasterCard®

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Intro Purchase Apr Regular Apr Ann.Fee
N/A 13.99%, 16.99% or 20.99%* (Variable) $0
Type: Low Interest, Balance Tra ...
Rank: #1 Reward , #1 No Annual ...
Credit Needed:   Excellent
  • 0% Intro APR for 15 months for each Balance Transfer made within 45 days of account opening and a variable rate of 13.99%, 16.99% or 20.99% APR thereafter, depending on creditworthiness
  • Earn 5,000 bonus points when you use your card for the first time
  • Earn Double points on any Carnival™ purchase
  • Earn 1 point per $1 spent everywhere else
  • Redeem points for cruises on Carnival™ or other eligible World's Leading Cruise Lines vacations, hotel or flight discounts, onboard gifts and services, merchandise or gift cards
  • No Annual Fee
  • Please see terms and conditions for complete details
 
CCA In-House Review & more info
U.S. Bank Visa® Platinum Card
U.S. Bank Visa® Platinum Card

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
0% 9.99% - 23.99%* (Variable) $0*
Type: Low Interest, Balance Tra ...
Rank: #2 Visa, #2 U.S. Bank, # ...
Credit Needed:   Excellent
  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-23.99%
  • No annual fee*
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
  • Online account management and account alerts
 
CCA In-House Review & more info
Simmons Bank Visa® Platinum
Simmons Bank Visa® Platinum

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A 7.25% (Variable) $0
Type: Visa Low APR, Low Interes ...
Rank: #1 Visa Low APR, #3 Visa ...
Credit Needed:   Excellent
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • 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
 
CCA In-House Review & more info
USAA Rate Advantage MasterCard®
USAA Rate Advantage MasterCard®

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Intro Purchase Apr Regular Apr Ann.Fee
N/A 6.90%-23.90% (Variable) $0
Type: Low Interest, Credit Qual ...
Rank: #3 USAA Savings, #7 Low ...
Credit Needed:   Excellent
  • No annual fee: And avoid fine-print fees - we don't charge over-the-limit fees or penalty rates, so you keep more money in your pocket.
  • Variable rates starting at 6.9% on purchases, balance transfers and cash advances. It's the same low rate for all transactions.
  • Free Travel and Retail Benefits: Get benefits like Rental Car Collision Damage Coverage and Extended Warranty coverage on your purchases.
  • Making your busy life simpler: Our online and mobile tools help you manage your account anytime, anywhere.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
 
CCA In-House Review & more info
USAA Cash Rewards® American Express® Card
USAA Cash Rewards® American Express® Card

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Intro Purchase Apr Regular Apr Ann.Fee
N/A 9.90%-25.90% (Variable) $0
Type: Low Interest, Reward, Cas ...
Rank: #1 USAA Savings, #6 Cash ...
Credit Needed:   Excellent
  • Earn up to 2.25% cash back on gas and grocery purchases.
  • Earn up to 1.25% cash back for all other purchases.
  • Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the prime rate.
  • No caps or limits on the amount you can earn.
  • Your cash rebate is awarded every January for the purchases made the previous 12 months.
  • No annual fee and no minimum finance charge.
  • Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
  • If you are not eligible, USAA credit cards and other products may still be available.
 
CCA In-House Review & more info
Simmons Bank Visa® Platinum Rewards
Simmons Bank Visa® Platinum Rewards

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
0% 9.25% (Variable) $0
Type: Low Interest, Reward, Poi ...
Rank: #4 Visa, #5 Airline , #6 ...
Credit Needed:   Excellent
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 9.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • 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
  • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
  • No Annual Fee
 
CCA In-House Review & more info
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But before you get your heart set on any one type of credit card account, it's important to review your overall credit card spending and payment habits so that you can limit your search to a reasonable number of credit card applications with the features and benefits most appropriate your unique financial habits.

Depending our your overall financial picture you may benefit most from a rewards card, a balance transfer credit card or a card based on your credit type, for example.

What are the advantages of a low-interest credit card offer?

If you are the kind of person who generally carries a balance from one month to the next, you probably know exactly how costly it can be, but low interest credit cards can be a huge help in reducing those added charges.

Some of these cards are even specifically designed to help you significantly reduce the amount you owe on your existing cards. These accounts - known as balance transfer credit cards - typically carry a 0 percent interest rate for six, 12 or even 18 months and only carry a small fee for moving the total owed from an old account to the new one.

However, more often, consumers who are looking for ongoing deals might want to think about a card that carries a low standard interest rate. This will help them keep costs under control for the life of the card, rather than just the introductory period. In much the same way as a balance transfer account, consumers who have balances they don't think they could pay back in the first several months may be better served chiseling away at their outstanding debts with a longer period to do so.

Are there drawbacks to low interest credit cards?

Generally, there are few benefits associated with a low interest credit card that you might find on other accounts. These typically do not come with their own rewards programs, for instance. Therefore, if you're used to earning points, cash back or airline miles for every dollar you spend on your rewards credit card account, a new one with a low interest rate may not help you as much as you would like.

Further, you may need a higher credit score to qualify. Typically, the lowest interest rates are reserved specifically for consumers who have the best borrowing histories, and the rockier your credit score, the higher your interest rate will tend to be. For this reason, you might find yourself locked out from getting a card you want.

In addition, these cards may often come with an annual fee, which can counteract some of the savings you may enjoy from paying the lower rate overall. Doing some math can help you figure out the combined cost of these two factors given your current habits, and allow you to determine whether this will be more cost-effective than your existing cards.

Applying the cost/benefit test to any credit card application you review will help you to determine exactly which card is right for you. You should also take the time to review more than a handful of accounts to get a general idea of what the kind of card you're looking for might end up costing you.

Looking for a low interest card with other benefits?

At CreditCardApplications.com we make the complicated easier. To get your best credit card offer, you need to compare similar credit card offers that provide the benefits and features you will use. We provide a fast way to do this. Just go to our Credit Card Search Engine and check off ‘low interest cards’ plus the other terms that describe your needs. Within seconds your will be presented with a detailed list of credit card that provide the features you are looking for.

Next, press the button ‘view credit card snapshot’ or ‘view credit card details’. This allows you to toggle between a list of relevant credit cards and a matrix-view that allows you to compare key details side side.

Once you have spotted your the low interest card that best meets your needs carefully complete one or 2 applications and wait for the results. Online applications are approved faster, so there is no need so submit a large number of applications. In fact, that can be detrimental to being approved for the card you really want.

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