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Low Interest Credit Cards

The following credit cards have a zero to low introductory APR (annual percentage rate of interest charged) or a low fixed rate APR. In some cases substantial savings on interest charges can be made if you are making larger purchases and are able to pay them off within the introductory period that applies.

, we found 39 Cards - Sort Card Offers or Compare

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Check up to 6 cards and

[1] Total Merrill℠ Cash Back Card

More Info

- 1% Cash Back on Virtually All Purchases
- No Annual Fee
- Low 9.99% APR for Retail Purchases
- Credit Line may be as high as $250,000
- Cash Back Rewards Can be Deposited Directly into Your Merrill Lynch Account
- Receive a response in 60 seconds

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
1.9%*	12 months*	9.99%*	$0.00*	25 days*	Good*

[2] Merrill Lynch Credit Card Plus

More Info

- 9.99% annual percentage rate
- No annual fee
- Credit line may be as high as $250,000
- 1 point for every $1 spent on net retail purchases
- Double points for purchasing a Merrill Cruise
- Air rewards starting at 25,000 points. No blackout dates
- Zero liability protection and early fraud warning

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
1.9%*	12 months*	9.99%*	$0.00*	25 days*	Good*

[3] Centennial One Platinum Card

More Info

- $9,000 unsecured line of credit
- No Credit Check
- No Deposit Required
- No Employment Verification
- Guaranteed Approval
- 0% Interest for 12 Months
- Boost Your Credit

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	12 months*	7.90%*	N/A*	25 days*	Bad Credit OK*

[4] First Vineyard MasterCard® Debit Card

More Info

- Receive cash back from your own & anyones else in your compensation tree spendings
- Reload your card directly from your payroll or bank account
- Live debt free & Powerful Online Account Management
- Online Bill Payment service included

Opening Min	App Fee	ATM Fee	Other Fees	Credit Reporting	Credit Needed (?)
$10.00	$39.95*	N/A	View	Yes	Bad Credit OK*

Account Information Line
Account Statement by Mail
Bank Wire Transfer
Cancellation Fee
Card Replacement
Card-2-Card Transfer
Cashier's Check Reload
Click-n-Pay™ (Paper Check)
Direct Deposit
Electronic Funds Transfer (Confirmed)
Electronic Funds Transfer (Trial)

$0.00
$3.00
$4.95
$15.00
$15.00
$0.00
$0.00
$1.00
$0.00
$1.95
$3.95

In Person Payments (IPP)
International Transaction
Money Order Reload
Monthly maintenance Fee
Point of Sale Transaction
Returned Check
Telephone Support (per minute)
U.S. ATM cash withdrawal
U.S. ATM inquiry fee
U.S. non-ATM cash advance
Western Union® SwiftPay®

$3.95
$50.00
$0.00
$6.95
$0.00
$25.00
$0.06
$2.00
$1.00
$4.50
$5.95

[5] Upromise® World MasterCard® with Gas & Grocery Rewards

More Info

- 10% extra college savings on thousands of eligible grocery and drugstore items
- 2% extra college savings on eligible gas purchases at Exxon and Mobil locations
- 1% college savings on every purchase
- Get $25 college savings bonus after the first qualified use of your account
- No annual fee

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	7 - 10 months*	20.99 - 12.99%*	$0.00*	25 days*	Good*

[6] Discover® Student Card - Key Lime Monogram

Terms | More Info

- 5% Cashback Bonus®* in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
- 5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
- Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	See T&C*	as low as 13.99%*	$0.00*	25 days*	No Credit*

[7] Discover® More® Card - Clear

Terms | More Info

- 0% APR on Balance Transfers and Purchases for a Full 6 Months
- 5% Cashback Bonus® in Categories that Change Like Travel, Gas, Groceries, Restaurants and More
- Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically
- Turn Your Cashback Bonus Into Bigger Rewards by Redeeming for Gift Cards from Over 100 Brand-Name Partners
- Instant Response Within 60 Seconds
- No Annual Fee

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	See T&C*	as low as 11.99%*	$0.00*	25 days*	Excellent*

[8] Discover® Student Card - Onyx Monogram

Terms | More Info

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	See T&C*	as low as 13.99%*	$0.00*	25 days*	No Credit*

[9] 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*	up to 13.25% from 7.25%*	$0.00*	25 days*	Good*

[10] IberiaBank Visa® Select

More Info

- 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.
- 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

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	12 months*	Prime + 4.25%*	$45.00*	25 days*	Excellent*

[11] 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*	up to 15.25% from 9.25%*	$0.00*	25 days*	Excellent*

[12] 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*	up to 15.25% from 9.25%*	$0.00*	25 days*	Excellent*

[13] Discover® More® Card

More Info

- 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

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	See T&C*	11.99% - 20.99%*	$0.00*	25 days*	Excellent*

[14] Discover® Motiva(SM) Card

Terms | More Info

- Cash rewards for your good credit management
- Each time you make 6 on-time payments in a row, you'll get a Pay-On-Time Bonus equal to a full month's interest added to your Cashback Bonus account
- 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus on all other purchases
- 3.99% intro APR on balance transfers for a full 15 months, then the Regular APR
- 3.99% intro APR on purchases for a full 12 months , then the Regular APR

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
3.99%*	See T&C*	11.99% - 20.99%*	$0.00*	25 days*	Good*

[15] Discover® Open Road® Card

Terms | More Info

- 2% Cashback Bonus automatically at any gas station and any restaurant
- 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus on all other purchases
- 0% intro APR on balance transfers for 12 full months, then the Regular APR
- 0% intro APR on purchases for 6 months, then the Regular APR

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	See T&C*	11.99% - 20.99%*	$0.00*	25 days*	Excellent*

[16] Escape by Discover® Card

More Info

- 25,000 Bonus Miles - 1,000 Bonus Miles each month you make a purchase for your first 25 months
- Unlimited Double Miles on all purchases
- An additional 2 Miles for every $1 you spend through our exclusive online shopping site, ShopDiscover
- Flexible redemption options for travel, gift cards, or cash
- Enhanced travel benefits
- 0% intro APR on Balance Transfers and Purchases for 6 months, then the Regular APR

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	See T&C*	10.99 - 16.99%*	$60.00*	25 days*	Good*

[17] Simmons First Visa® Platinum

More Info

- Low 7.25% standard purchase APR
- Platinum card benefits
- Excellent credit required - applicants that do not have excellent credit will not be approved
- No balance transfer fee for balances transferred in response to this online offer
- No annual fee

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
N/A*	N/A*	7.25%*	$0.00*	25 days*	Excellent*

[18] Platinum Zero™ Secured Visa® Credit Card from Applied Bank

Terms | More Info

- ZERO - 0% fixed APR on purchases - no intro rates!
- ZERO - 0% rate won't change - even if you're late!
- ZERO application fees
- ZERO worries - free personal ID theft protection

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
N/A*	N/A*	0*	N/A*	None*	Bad Credit OK*

[19] Discover® More® Card - Black

More Info

- 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

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	See T&C*	11.99% - 20.99%*	$0.00*	25 days*	Good*

[20] Discover® Student Card - Flamingo Monogram

Terms | More Info

Intro APR	Intro APR Period	Regular APR	Annual Fee	Grace Period	Credit Needed (?)
0%*	See T&C*	as low as 13.99%*	$0.00*	25 days*	No Credit*

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* 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.

Security Note: All Applications feature Secure SSL Technology.

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Low Interest Credit Card Offers