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Low interest credit cards and online applications

  • APR:10.9% - 18.9% (V)
  • Annual Fees:$0
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Key Features: No annual fee - long 0% intro APR on balance transfer until July 2015 - platinum benefits including $0 fraud Liability and 24 hour roadside assistance.

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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Capital One® Platinum Prestige Credit Card
Capital One® Platinum Prestige Credit Card

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Key Features: No annual fee - long 0% intro APR on balance transfer until July 2015 - platinum benefits including $0 fraud Liability and 24 hour roadside assistance.


Intro Purchase Apr Regular Apr Ann.Fee
0% 10.9% - 18.9% (V) $0
Type: Low Interest, Balance Tra ...
Rank: #2 Low Interest , #2 Mas ...
Credit Needed:   Excellent/Good
  • Transfer a balance for 0% intro APR until July 2015
  • Get 0% intro APR on all purchases until July 2015
  • Enjoy no annual fee
  • Get peace of mind with fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Fast and easy access, 24/7
  • Rent a car using your card and get collision, damage, and loss insurance
  • Feel secure with 24-hour roadside assistance
 
CCA In-House Review & more info
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 Low Interest , #1 Bal ...
Credit Needed:   Excellent
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • * Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
 
CCA In-House Review & more info
Discover it®
Discover it®

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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.


Intro Purchase Apr Regular Apr Ann.Fee
0% 10.99% - 22.99% Variable* $0
Type: Low Interest, Balance Tra ...
Rank: #1 Gas Cards, #2 Cash Ba ...
Credit Needed:   Excellent
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
 
CCA In-House Review & more info
Capital One® Quicksilver® Cash Rewards Credit Card
Capital One® Quicksilver® Cash Rewards Credit Card

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Key Features: Great rewards PLUS balance transfer - Easy to earn rewards - Our #1 ranked cash back card.


Intro Purchase Apr Regular Apr Ann.Fee
0% 12.9% - 22.9% (V) $0
Type: Low Interest, Balance Tra ...
Rank: #1 Cash Back , #2 Gas Ca ...
Credit Needed:   Excellent/Good
  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
  • Your cash back doesn't expire
  • 0% intro APR on purchases and balance transfers until January 2015
  • No annual fee
 
CCA In-House Review & more info
Capital One® VentureOne® Rewards Credit Card
Capital One® VentureOne® Rewards Credit Card

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Key Features: Requires excellent credit, but has a 0% intro rate on purchases, excellent travel rewards (see below) and no annual fee.


Intro Purchase Apr Regular Apr Ann.Fee
0% 11.9% - 19.9% (V) $0
Type: Low Interest, 0% APR, Rew ...
Rank: #1 Credit Quality Good, ...
Credit Needed:   Excellent/Good
  • Earn unlimited 1.25 miles on every purchase, every day
  • No annual fee
  • Enjoy a one-time bonus of 20,000 miles once you spend $2,000 on purchases within the first 3 months, equal to $200 in travel
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases
  • Travel when you want—no blackout dates
  • Miles don't expire
  • No limit to the miles you can earn
 
CCA In-House Review & more info
Citi ThankYou® Preferred Card
Citi ThankYou® Preferred Card

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Key Features: ZERO percent for a long 15 months - low balance transfer fee - rewards points - no annual fee.


Intro Purchase Apr Regular Apr Ann.Fee
0%* 12.99%-22.99%* (Variable) $0*
Type: Low Interest, Balance Tra ...
Rank: #4 Points Rewards , #8 C ...
Credit Needed:   Excellent
  • 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*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
  • 1 ThankYou Point on other purchases.
  • Points do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
 
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: #4 Barclaycard, #6 Credi ...
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
Citi Simplicity® Card
Citi Simplicity® Card

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Intro Purchase Apr Regular Apr Ann.Fee
0%* 12.99% - 21.99%* (Variable) $0*
Type: Low Interest, Balance Tra ...
Rank: #2 Citi , #3 Low Interes ...
Credit Needed:   Excellent
  • 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.
 
CCA In-House Review & more info
Citi Simplicity® Card
Citi Simplicity® Card

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
0%* 12.99% - 21.99%* (Variable) $0*
Type: Low Interest, Balance Tra ...
Rank: #1 Citi , #8 Low Interes ...
Credit Needed:   Excellent
  • 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.
 
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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