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Category - Low Interest |
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Low Interest Credit Cards |
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By providing a long term, lower than normal interest rate, these cards can reduce the interest portion of your monthly payment. If you carry a balance on one or more of your credit cards from month to month, a reduced interest rate can save hundreds, even thousands, of dollars over the course of a year depending on the actual principal amount owed to the lender. |
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| Appearance |
Official Name, Features, Rates and Fees |
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Blue Cash(R) from American Express
0% intro APR on purchases for 6 months and no annual fee
Flexibility to pay over time
Get up to 5% cash back on everyday purchases at supermarkets, gas stations and drug stores
Receive your cash back automatically as a statement credit
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| No |
Very Good |
See Terms* |
See Terms* |
17.24%-21.24% Variable |
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Discover® More Card- Black
0% intro APR on balance transfers for a full 12 months, then the Regular APR
0% intro APR on purchases for a full 9 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
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| None |
Very Good |
0* |
9 Mo.* |
11.99% - 20.99% (Variable)* |
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Blue Sky from American Express(R)
0% intro APR on purchases for 6 months and no annual fee
Flexibility to pay over time
Turn purchases into free travel: Enjoy travel rewards with no travel restrictions or blackout dates - get points for flights on any airline, stays at any hotel, and car rentals with any company
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| No |
Good |
See Terms* |
See Terms* |
17.24%-21.24% Variable |
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Discover® More Card - $75 Cashback Bonus
0% intro APR on balance transfers for a full 12 months, then the Regular APR
0% intro APR on purchases for a full 6 months, then the Regular APR
Get $75 Cashback Bonus when you make $500 in purchases within 3 months
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
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| None |
Excellent |
0* |
6 Mo.* |
11.99% - 20.99% (Variable)* |
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PenFed Promise VISA Card
Absolutely No Fees!
Introductory Purchase Rate – 7.49% APR for the first 36 months. Afterwards, the APR will vary with the Prime Rate and is currently 9.99% APR.
No Balance Transfer Fees – Good till June 30, 2010
No Foreign Transaction Fees!
Some restrictions apply.
You must be a Pentagon Federal Credit Union member to apply. Not a member? It’s easy to join. Click here to learn more.
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| None |
Good |
7.49 |
36 Mo. |
9.99% |
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IBERIABANK Visa® Classic Card
No annual membership fee
Low variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Online access to credit card account information
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| None |
Excellent |
n/a |
n/a |
7.25%, 10.25%, or 13.25% |
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IBERIABANK Visa ® Select Card
Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. (If there is an interest charge, the charge will be no less then $1.00). This rate will not change during the introductory period.
Low Introductory APR on Balance Transfers of 1.99% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, and Prime + 8.25%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less then $1.00).
Online access to credit card account information
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| $35 |
Very Good |
0 or 7.50 |
12 Mo. |
7.50%, 9.50% or 11.50%* |
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* See the online credit card application and web site for specific terms and conditions of any offer.
Reasonable efforts are made to maintain the accuracy of the information presented on this website.
All information is presented without warranty. You can click on the "Apply Now" graphic to examine the credit card terms and conditions directly on the credit card issuer's web site .
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