Low Interest Credit Cards
Low Interest Rates are desirable because they mean lower credit card payments. When the interest rate is low your payments are lower. If you are looking for a low interest rate credit card you will find many good deals. Sometimes your bank will give you a lower interest rate to keep you as a customer when you are thinking of closing your account. You can sometimes negotiate a low interest rate when you open your account. Sometimes low interest rates are temporary promotions only, be sure that the low interest credit cards you apply for have terms that make sense. Variable interest rates change according to economic conditions and your own behavior as a card holder.
- # 5% Cashback Bonus®* in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
- # 5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
- # Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| None | 0%* | 6 Months* | 13.99%-20.99%(Variable)* | N/A | Fair Credit |
- The Orchard Bank MasterCard is an excellent credit card choice for people looking to build their credit. Get prequalified online in just 30 seconds!
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| Annual fee should be : $0 - $74 the first year: $35 -$79 per year thereafter | N/A | N/A | 7.90% - 28.90% | Yes | Fair Credit |
- Introductory Fixed Rate on Purchases and Balance Transfers of 7.50% APR for the first 12 billing cycles. Applies to balance transfers processed within three months of your account open date.
- Low Ongoing Variable Rate APR after introductory period of Prime +4.25%
- No transaction fee for balance transfers
- 25 Day grace period
- Online access to credit card account information
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| $45 | 0.0% | 12 months | as low as 7.50% | Yes | Excellent Credit |
- Variable Rate APR ranging from Prime + 4.00 thru Prime + 10.00% depending on creditworthiness and other factors
- Purchase and Cash Advance APR's may vary with the market based on the Prime Rate.
- No annual membership fee
- Low Introductory APR on balance transfers for the first 6 billing cycles. Applies to balance transfers processed within three months of your account open date
- 25 day grace period
- Online access to credit card account information
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| None | 7.25%, 10.25%, or 13.25% | N/A | 7.25%, 10.25%, or 13.25% | Yes | Excellent Credit |
- Earn 1% in cash back credit on all qualifying purchases
- No limit on cash back; no expiration date on eligibility for accounts in good standing
- Travel accident coverage up to $500,000
- No annual membership fee
- Low, variable rate APR
- Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.
- 25 Day grace period
- Online access to credit card account information
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| None | 9.25%, 12.25%, or 15.25% | N/A | 9.25%, 12.25%, or 15.25% | Yes | Excellent Credit |
- Earn 1 bonus point for every $1 in qualifying net retail purchases
- Turn your points into hotel, travel, gift or experience rewards
- Travel accident coverage up to $1,000,000
- No annual membership fee
- Low, variable rate APR
- Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.
- 25 Day grace period
- Online access to credit card account information
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| None | 9.25%, 12.25%, or 15.25% | N/A | 9.25%, 12.25%, or 15.25% | Yes | Excellent Credit |
- 0% APR on all purchases for life
- Unsecured Line of Credit
- 100% Approval*
- 24 hour Approval Process
- No hidden fees
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| $119.40 | N / A | N / A | N / A | N / A | N / A |
- 0% Intro APR for 6 months on purchases
- Earn 1 point for every dollar you spend
- Points good on any airline, hotel, car rental and more
- No blackout dates or travel restrictions
- Express Approval. Get a decision in less than 60 seconds
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| None | 0.0% | 0% on Purchases for 6 months | 17.24%-21.24% Variable | Yes | N / A |
- Complimentary Crown Room Club® access for you and two guests
- Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
- Earn up to 10,000 Medallion® Qualification Miles (MQMs) after your first purchase
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| $450 | 9.99% | N / A | N / A | Yes | N / A |
- Cash rewards for your good credit management
- Each time you make 6 on-time payments in a row, you'll get a Pay-On-Time Bonus equal to a full month's interest added to your Cashback Bonus account
- 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus on all other purchases
- 3.99% intro APR on balance transfers for a full 15 months, then the Regular APR
- 3.99% intro APR on purchases for a full 12 months , then the Regular APR
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| $0 | 0% | 12 months | 11.99% - 20.99% (Variable)* | Yes | N / A |
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News and Advice
Current Interest Rates
- Update: 07-29-2010
- 12.83% National Average
- 12.88% Low Interest
- 12.99% Student
- 14.49% Business
- 14.49% Cash Back
- 15.99% Instant Approval
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