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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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| Citi® Diamond Preferred® Card |
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Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
There is a balance transfer fee of either $5 or 3% of the amount of each transfer.Citi® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item.Let our 24/7 concierge service help book your hotel rooms, flights and more.Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.$0 liability on unauthorized purchases and Citi® Identity Theft Solutions
No annual fee*
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The new Discover it card is out to change the way people think about credit cards.Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.Flexible…Choose your own due date and pay up to midnight ET online or by phone.Human…talk to a real person any time with 100% U.S.-based service.Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
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Purchase
Intro APR |
Balance Transfer
Intro APR |
Regular APR |
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0%*
for 18 months*
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0%*
for 18 months*
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11.99%-21.99%* (Variable)*
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Apply Now
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Purchase
Intro APR |
Balance Transfer
Intro APR |
Regular APR |
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0%
for 14 months*
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0%
for 14 months*
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10.99% - 22.99% (V)* |
Apply Now
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| Citi® Dividend Platinum Select® Visa® Card |
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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% variable based on your creditworthiness*Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollmentEnroll at no additional cost each quarter for new categories that earn additional cash backFull 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)* |
$0* |
Excellent Credit |
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Apply Now
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The new Discover it card is out to change the way people think about credit cards.Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.Flexible…Choose your own due date and pay up to midnight ET online or by phone.Human…talk to a real person any time with 100% U.S.-based service.0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
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| Purchase Intro APR |
Balance Transfer Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
0%
for 6 months*
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0%
for 18 months*
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10.99% - 22.99% (V)* |
$0* |
Excellent Credit |
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| Iberiabank Visa® Platinum Card |
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Apply Now
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No annual membership feeLow variable rate of 9.25%, 12.25%, or 15.25% based on the creditworthiness. This APR will vary with the market based on the Prime Rate.Introductory APR on balance transfers of 1.99% for your first 6 billing cycles. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.Earn 1 bonus point for every $1 in qualifying net retail purchases, can redeem for merchandise with as little as 700 points.Turn your points into hotel, gift, or experience rewardsProduct Enhancements include: Auto Rental Collision Damage Waiver, Roadside Dispatch and Travel Emergency Services.Online access to credit card account information
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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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1.99%
for 6 billing cycles*
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9.25%, 12.25%, or 15.25%* |
$0* |
Excellent Credit |
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| Iberiabank Visa® Gold Card |
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Apply Now
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No annual membership feeLow variable rate of 9.25%, 12.25%, or 15.25% based on the creditworthiness. This APR will vary with the market based on the Prime Rate.Introductory APR on Balance Transfers of 1.99% for your first 6 billing cycles. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.Earn 1% in cash back credit on all qualifying purchasesNo limit on cash back; no expiration date on eligibility for accounts in good standingTravel accident coverage up to $500,000Online access to credit card account information
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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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1.99%
for 6 billing cycles*
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9.25%, 12.25%, or 15.25%* |
$0* |
Excellent Credit |
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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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