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Low Interest Credit Card Offers

Low interest rate credit cards today have higher interest rates than they did a few years ago. Much of this is due to the CARD Act, which prompted many credit card companies to increase initial interest rates because the law essentially prohibits them from increasing rates on customers unless they are seriously delinquent. When you're examining low interest credit card offers, you'll notice most companies advertise rates that are "as low as." Generally, the lowest advertised rates are given to customers with the best credit, while other rates are offered to those who don't meet the highest qualifications. Unfortunately, you won't learn the long term interest rate until after your application has been processed. However, if you are not satisfied with the rate you receive, you can cut the card up and apply for a different one.

Below you can learn more about low interest credit card offers and apply online for approval via SSL encrypted, secure applications hosted on the websites of the issuing banks.

Citi® Platinum Select® MasterCard®

Apply Online

  • 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*
  • Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more
  • Citi® Identity Theft Solutions
  • Secure, free online account management
  • No annual fee

Purchase Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
0%
for 12 months on Purchases*
0%
for 18 months on Balance Transfers*
11.99% - 19.99%* (Variable) None Good

Capital One® Platinum Prestige Credit Card

Apply Online

  • 0% intro APR until August 2011 on balance transfers, processed in as little as 48 hours
  • 0% intro APR until August 2011 on purchases
  • Transfer your higher-rate balances
  • $0 Fraud Liability if your card is lost or stolen
  • 24-hour travel & emergency assistance gives you a replacement card and cash advance
  • 24-hour roadside assistance
  • Travel accident insurance
  • No annual fee


Purchase Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
0%
until August 2011
0%
until August 2011
11.9% (V) None Excellent

Citi® Diamond Preferred® Card

Apply Online

  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 14.99%. This APR will vary with the market based on the Prime Rate.
  • Concierge service that caters to your needs 24/7
  • Citi® Identity Theft Solutions
  • Secure, free online account management
  • No annual fee*

Purchase Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
0%
for 12 months*
0%
for 12 months*
14.99%* (Variable) None Good

Discover® More Card

Apply Online

  • 0% intro APR on balance transfers for a full 15 months, then the Regular APR
  • 0% intro APR on purchases for a full 6 months, then the Regular APR
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • No Annual Fee

Purchase Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
0%*
for 6 Months*
0%*
for 15 Months*
11.99% - 20.99% (Variable)* None Excellent

Capital One® Platinum Credit Card

Apply Online

  • 0% intro APR until August 2011 on balance transfers, processed in as little as 48 hours
  • 0% intro APR until August 2011 on purchases
  • Transfer your higher-rate balances
  • $0 Fraud Liability if your card is lost or stolen
  • 24-hour travel & emergency assistance gives you a replacement card and cash advance
  • 24-hour roadside assistance
  • Travel accident insurance
  • No annual fee


Purchase Intro APR Balance Transfer Intro APR Regular APR Annual Fee Credit Needed
0%
until August 2011
0%
until August 2011
14.9% (V) None Good


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About Low Interest Credit Card Offers


Despite an historically low Prime Rate, interest rates remain stubbornly high, even for low interest credit card offers. A key reason why credit card interest rates have not declined along with the Prime Rate is the CARD Act. Prior to the CARD Act, credit card companies could raise rates on customers who were considered risky whenever they wanted to. Today, credit card companies cannot raise rates on previous balances or on future purchases unless a customer is well over a month late.

On the one hand, this is good for some consumers. Unfortunately, consumers with good and excellent credit are footing the bill. One area where this is evident is 0% APR credit card offers, which, with a few exceptions, are not as generous as they used to be. A more important area is low long term interest rates. While people with excellent credit can still get rates a point or two above ten percent, most low interest credit cards carry rates in the low-teens for people with good credit and up to 20% for people who just barely meet application criteria.

Low Interest Credit Card Application Tips and Tricks

Secrets of Low Interest Credit Card Applications: As I mentioned above, most credit card companies advertise the lowest available rate, but offer some approved applicants much higher rates. Some credit card companies offer a range of rates that can be anywhere between a high and low number. Others offer what I call a tiered rate structure, where a few credit score points can translate into an interest rate that is 5 percentage points higher than the lowest rate. This article shines a light on these tactics so you know what to look for when you apply.

Secrets of 0% APR Credit Card Applications: The same tricks used by credit card companies to promote low interest rates are also used in the promotion of 0% rates. Some companies are straightforward and deliver the advertised 0% interest rate to all applicants. Others advertise 0% rates for up to 15 months, but may only grant approved applicants a 0% rate for as little as 6 months. This article shows you how to spot this fine print trick.

 
 
 
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*Important Disclaimer: Please see the terms and conditions of the specific credit card application you are applying for to review offer details. All credit card information is presented "as is" and without warranty. Substantial effort is made to insure the accuracy of information on this website, but occasionally, a discrepancy may occur. When you click on the “Apply Now" button, you can review the credit card terms and conditions on the issuing company's website.
 
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