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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.
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Apply Now
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- 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*
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
0%
for 18 months
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0%
for 18 months
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11.99% - 21.99%* (Variable) |
None |
Good |
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Apply Now
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- Limited Time Offer - $0 Balance Transfer Fee!*
- 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
0%
for 12 Months*
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0%
for 12 Months*
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10.99% - 19.99% (Variable)* |
None |
Good |
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Apply Now
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- $150 in gift cards - When you redeem the 15,000 bonus ThankYou® Points received after $1,000 in purchases within 3 months of account opening
- $5 ThankYou Points for every $1 spent on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 spent thereafter and for all other purchases*
- 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*
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
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N/A
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N/A |
12.99%-22.99%* (Variable) |
None |
Good |
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Apply Now
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- 1.25 miles per dollar on every purchase, every day
- Earn 10,000 bonus miles, equal to $100 in travel
- Redeem miles for airline tickets, hotel rooms, car rentals and more
- No limit on the miles you can earn and miles won't expire
- Fly free on any airline, any time with no blackout dates
- 0% intro APR on purchases until February 2013*
- No foreign transaction fees
- No annual fee
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
0% on purchases
until February 2013*
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N/A |
11.9% - 19.9% (V) |
$0 |
Excellent |
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Apply Now
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- 0% intro APR until May 2013 on balance transfers
- 0% intro APR until until March 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
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
0%
until May 2013*
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0%
until May 2013*
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10.9% - 18.9% (V) |
None |
Excellent |
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Apply Now
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- $100 cash back after $500 in purchases within the first 3 months of account opening.
- 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
- 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment. Each quarter, you can enroll to earn additional cash back in popular categories. To learn
more, visit dividend.quarterlyoffer.citi.com.
- Full 1% cash back on all other purchases and eligible cash advances
- No Annual Fee*
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
0%
for 12 months*
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0%
for 12 months*
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12.99% - 22.99%* (Variable) |
None |
Good |
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Apply Now
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- 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*
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
0%
for 18 months*
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0%
for 18 months*
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11.99% - 21.99%* (Variable) |
None |
Excellent |
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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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