Low Interest Credit Cards

[1] PenFed Promise VISA Card
Terms |  More Info	- Absolutely no fees! - 7.49% introductory purchase APR for first 36 months ! After that, the APR will vary with the Prime Rate, and is currently 9.99% APR. - No-fee cash advances carry a 17.99% APR - No Foreign Transaction Fees! - You must be a Pentagon Federal Credit Union member to apply.
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 7.49%* 36 months* 9.99% (Variable) * $0.00* 25 days* Good*

[2] PenFed Visa Platinum Gas / Cash Rewards Card
Terms |  More Info	- 13.99% APR -- lower than most rewards cards! - Earn 5.00% cash back from gas purchases paid at the pump* - Earn 1.00% cash back from all purchases** you make with the card during each billing cycle - Up to $50,000 limit - No Annual Fee - Cash Rewards credited each month - No special restrictions to earn your cash rewards - Limited Time Only – Low Balance Transfer Rates† - You must be a Pentagon Federal Credit Union member to apply.
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 4.99%* 24 months* 13.99%* $0.00* 25 days* Good*

[3] IberiaBank Visa® Classic
More Info	- 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
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 1.99%* 6 months* 13.25% - 7.25% (Variable) * $0.00* 25 days* Good*

[4] IberiaBank Visa® Gold Cash Back Rewards Card
More Info	- No annual membership fee - Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) 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. - 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 - Online access to credit card account information
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 1.99%* 6 months* 15.25% - 9.25% (Variable) * $0.00* 25 days* Excellent*

[5] IberiaBank Visa® Platinum Rewards Card
More Info	- No annual membership fee - Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) 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 ARP 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. - 1 bonus point for every $1 in qualifying net retail purchases - Turn your points into hotel, gift, or experience rewards - Travel accident coverage up to $1,000,000 - Online access to credit card account information
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 1.99%* 6 months* 15.25% - 9.25% (Variable) * $0.00* 25 days* Excellent*

[6] Discover® Student Card
Terms |  More Info	- 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%* - 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply. - Up to 1% unlimited Cashback Bonus on everything else you buy $0 Fraud Liability- you will not be responsible for unauthorized charges - No Annual Fee - Text and Email Alerts *Click apply to view rates, fees, rewards, limitations and other important information
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 0%* 9 months* 12.99% - 18.99% (Variable) * $0.00* 25 days* Fair*

[7] Discover® More® Card
More Info	- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%* - 5% Cashback Bonus in categories that change like gas, groceries, 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--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report) - 24/7 access to a U.S.-based Account Manager within 60 seconds - $0 Fraud Liability plus mobile and email fraud alert options - 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
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 0%* 15 months* 10.99% - 20.99% (Variable) * $0.00* 25 days* Excellent*

[8] Discover® Open Road® Card
More Info	- 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 19.99%* - 2% automatically at gas stations and restaurants all year long* - Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com - Discover is ranked #1 in customer loyalty--16 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
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 0%* 15 months* 10.99% - 19.99% (Variable) * $0.00* 25 days* Good*

[9] Discover® Miles Card
Terms |  More Info	- Earn 10,000 Bonus Miles with every $2,000 in purchases within the first 6 months – up to 20,000 Bonus Miles - 1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash - 0% intro APR on balance transfers for 12 months, then the variable purchase APR of 10.99% - 15.99%* - No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates - Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card - Discover is ranked #1 in customer loyalty--16 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report) - 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
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 0%* 12 months* 10.99 - 15.99% (Variable) * $0.00* 25 days* Good*

[10] Discover® Student Card - Tropical Beach
Terms |  More Info	- 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%* - 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply* - Up to 1% unlimited Cashback Bonus on everything else you buy $0 Fraud Liability- you will not be responsible for unauthorized charges - No Annual Fee - Text and Email Alerts *Click apply to view rates, fees, rewards, limitations and other important information
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 0%* 9 months* 12.99% - 18.99% (Variable) * $0.00* 25 days* Fair*

[11] Discover® Student Card - Clear
Terms |  More Info	- 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%* - 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply* - Up to 1% unlimited Cashback Bonus on everything else you buy $0 Fraud Liability- you will not be responsible for unauthorized charges - No Annual Fee - Text and Email Alerts *Click apply to view rates, fees, rewards, limitations and other important information
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 0%* 9 months* 12.99% - 18.99% (Variable) * $0.00* 25 days* Fair*

[12] SimplyCash® Business Card from American Express OPEN
Terms |  More Info	- Get 5% cash back on wireless services and office supply purchases* - Get 3% cash back on automobile gasoline* - Get 1% cash back on other purchases* - No limit to the amount of cash back you can earn - Cash back on purchases is automatically credited to your statement each month - Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings® - No annual membership fee
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 0%* for 6, 9, or 12 months* 12.24% - 19.24% (Variable) * $0.00* 25 days* Excellent*

[13] Citi® Diamond Preferred® Card
More Info	- 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. - 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(R). - $0 liability on unauthorized purchases and Citi Identity Theft Solutions - No annual fee*
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 0%* 18 months* 11.99% - 21.99% (Variable) * $0.00* 20 days* Good*

[14] Citi® Diamond Preferred® Rewards Card
More Info	- $50 gift card - Redeem 6,000 bonus points after $300 in purchases within 3 months of account opening - 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-20.99% based on creditworthiness*. This APR will vary with the market based on the Prime Rate. - 5 ThankYou® Points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months, 1 ThankYou Point thereafter** - Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more - No annual fee*
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 0%* 12 months* 12.99% - 20.99% (Variable) * $0.00* 20 days* Good*

[15] Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back
Terms |  More Info	- 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*. This APR will vary with the market based on the Prime Rate. - $100 cash back after $500 in purchases within the first 3 months of account opening - Earn 5% cash back at The Home Depot and on Home Furnishing and Home & Garden purchases from 4/1/2012 to 6/30/12 when you enroll. Enroll each quarter for new categories that earn additional cash back. To learn more, visit dividend. quarterlyoffer. citi.com - 1% cash back on all other purchases. - 5% additional cash back on average at over 400 stores through the Citi Bonus Cash Center. - No annual fee.
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 0%* 12 months* 12.99% - 22.99% (Variable) * $0.00* 20 days* Good*

[16] Citi® mtvU Platinum Select® Visa® Card for College Student
More Info	- Earn 5 points per $1 spent on entertainment like music, movies, video game rentals and sporting events - Earn 2 points per $1 spent at restaurants, fast food places and coffee shops - 1 point per $1 spent on everything else - 25 bonus points each billing period you keep your account in good standing by paying on time - Exclusive MTV rewards, such as MTV merchandise, tickets to MTV events like the VMAs, and MTV show tapings - Also, redeem for travel, merchandise, gift cards and more - No limit on the points you can earn and points don't expire - 0% intro APR—pay no interest on purchases until June 2012 - No annual fee
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 0%* until June 2012* 13.99% - 21.99% (Variable) * $0.00* 20 days* Bad Credit OK*

[17] Citi® Platinum Select® MasterCard®
More Info	- 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. - 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*
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 0%* 18 months* 11.99% - 21.99% (Variable) * $0.00* 20 days* Good*

[18] CitiBusiness® World MasterCard®
More Info	- Designed for businesses with an established credit history - $100 gift card - when you redeem the 10,000 bonus ThankYou(R) points received after $300 in purchases within 3 months of account opening - 0% intro APR on Purchases for 6 months. After that, 13.24% variable. - 3 ThankYou points for every $1 spent at certain office supply merchants and on professional services and 1 point for every $1 spent on other purchases - Earn rewards for your business expenses, including purchases made on employee cards - Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more - No annual fee*
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 0%* 6 months* 13.24% (Variable) * $0.00* 20 days* Good*

[19] Discover® Student Card - Monogram Collection
Terms |  More Info	- 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%* - 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply* - Up to 1% unlimited Cashback Bonus on everything else you buy $0 Fraud Liability- you will not be responsible for unauthorized charges - No Annual Fee - Text and Email Alerts *Click apply to view rates, fees, rewards, limitations and other important information
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 0%* 9 months* 12.99% - 18.99% (Variable) * $0.00* 25 days* Fair*

[20] Chase Freedom® Visa
More Info	- Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months - 0% Intro APR for 15 months on purchases and balance transfers - 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 – 6/30/12 - You'll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It's free and easy to activate your bonus each quarter! - Unlimited 1% Cash Back on all other purchases - Up to an additional 10% Cash Back when you shop online at select merchants through Chase - No annual fee and rewards never expire
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed ( ?) 0%* 15 months* 12.99% – 22.99% (Variable) * $0.00* 21 days* Good*

* Always review the online application for details about terms and conditions of the offer. Reasonable efforts are made to maintain accurate information, however all credit card information is presented without warranty.

** Certain restrictions, limitations, and exclusions apply. Once your account is opened, please see your Guide to Benefits for details.

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