Low Interest Rate Credit Cards

Credit Card	Purchase APR	Cash Advance APR	Annual Fee
Slate Credit Card from Chase	11.24	19.24	0.00
Chase Sapphire Credit Card	12.24	19.24	0.00
Freedom Visa Card from Chase	12.99	19.24	0.00
Platinum Delta SkyMiles Credit Card from American Express	14.50	25.24	150.00
Gold Delta SkyMiles Credit Card from American Express	14.50	25.24	95.00
TrueEarnings Card from Costco and American Express	15.24	25.24	0.00
Starwood Preferred Guest Credit Card from American Express	15.24	25.24	45.00
Blue from American Express	15.24	25.24	0.00
JetBlue Card from American Express	15.24	25.24	40.00
Hilton HHonors Card from American Express	15.24	25.24	0.00
Blue Cash from American Express	17.24	25.24	0.00
Blue Sky from American Express	17.24	25.24	0.00
Clear from American Express	17.24	25.24	0.00

Slate Credit Card from Chase

Low interest rate credit cards Slate Credit Card from Chase. Purchase APR for this credit card is currently 11.24. Cash Advance APR for this credit card is currently 19.24. This credit card carries an annual fee of $0.00. No annual fee. 0% Intro APR for the first 12 billing cycles that your Account is open. 0% Intro APR for balance transfers made with your initial response to this offer for the first 12 billing cycles following the opening of your account. Related - low interest rate credit cards - low rate credit cards - no annual fee credit cards - no fee credit cards -

Chase Sapphire Credit Card

Low interest rate credit cards Chase Sapphire Credit Card. Purchase APR for this credit card is currently 12.24. Cash Advance APR for this credit card is currently 19.24. This credit card carries an annual fee of $0.00. No annual fee. Redeem points for travel, gift cards, merchandise, cash back. Earn 10,000 bonus points after first purchase. Earn 2 points for every dollar spent on airfare booked through Ultimate Rewards. Points never expire and there are no limits on how many points you can earn. Related - air miles credit cards - air rewards credit cards - travel rewards credit cards - cash back credit cards - cash rebate credit cards - low interest rate credit cards - low rate credit cards - no annual fee credit cards - no fee credit cards -

Freedom Visa Card from Chase

Low interest rate credit cards Freedom Visa Card from Chase. Purchase APR for this credit card is currently 12.99. Cash Advance APR for this credit card is currently 19.24. This credit card carries an annual fee of $0.00. No annual fee. 0% Intro APR for the first 6 billing cycles that your Account is open. 0% Intro APR for balance transfers made with your initial response to this offer for the first 12 billing cycles following the opening of your account. 5% Cash Back offers in popular categories like gas, home improvement and department stores. Always earn a full 1% cash back everywhere else. Earn up to an additional 20% cash back at select merchants when you shop online through Chase. Related - cash back credit cards - cash rebate credit cards - low interest rate credit cards - low rate credit cards - no annual fee credit cards - no fee credit cards -

Platinum Delta SkyMiles Credit Card from American Express

Low interest rate credit cards Platinum Delta SkyMiles Credit Card from American Express. Purchase APR for this credit card is currently 14.50. Cash Advance APR for this credit card is currently 25.24. This credit card carries an annual fee of $150.00. You can earn one mile for virtually every dollar you charge, from inventory and materials to monthly phone bills. You can redeem Delta miles for Award Travel with Delta or over 15 airline partners. The miles add up when you purchase tickets at Delta. You can earn one mile for virtually every dollar you spend. So even when you're purchasing tickets, you're getting closer to your next vacation. Pay with Miles allows you to redeem your miles sooner, for any Delta seat, anytime — with no blackout dates. Pay with Miles on Delta & Northwest Airlines flights. Redeem starting at just 10,000 miles for $100 off any Delta flight. Pay for all or just part of your ticket with miles, and put the rest on your travel rewards Card. Related - air miles credit cards - air rewards credit cards - travel rewards credit cards - low interest rate credit cards - low rate credit cards -

Gold Delta SkyMiles Credit Card from American Express

Low interest rate credit cards Gold Delta SkyMiles Credit Card from American Express. Purchase APR for this credit card is currently 14.50. Cash Advance APR for this credit card is currently 25.24. This credit card carries an annual fee of $95.00. $0 annual fee for the first year. Earn 20,000 bonus miles with your first purchase, and earn at least one mile for every eligible dollar you spend. Enjoy travel rewards with Delta or over 15 airline partners. Earn one mile for every eligible dollar you spend. Related - air miles credit cards - air rewards credit cards - travel rewards credit cards - low interest rate credit cards - low rate credit cards -

TrueEarnings Card from Costco and American Express

Low interest rate credit cards TrueEarnings Card from Costco and American Express. Purchase APR for this credit card is currently 15.24. Cash Advance APR for this credit card is currently 25.24. This credit card carries an annual fee of $0.00. 0% APR for 6 months. No annual fee. Each Eligible Purchase shall qualify for a Rebate of 1, 2, or 3 percent, as follows: 3% for the first $3,000 in annual purchases (1% thereafter) of automobile gasoline (individual purchases of 75 gallons or less) at Costco and domestic stand-alone gas stations (which excludes superstores, supermarkets, convenience stores, and warehouse clubs other than Costco); 3% at restaurants; 2% for travel purchases from airline, lodging, car rental, cruise line, travel agency and tour operators; and 1% on all other Eligible Purchases posted to your account. Every time you make a purchase, you can earn cash back: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 3% for restaurants, 2% for travel, and 1% everywhere else, including Costco. Earning rewards is easy. Your Card issues a cash rebate coupon annually, which you can redeem at any U.S. Costco warehouse for merchandise or cash - how you use it is completely up to you. No annual fee for this credit card with your paid Costco Membership. Related - cash back credit cards - cash rebate credit cards - low interest rate credit cards - low rate credit cards - no annual fee credit cards - no fee credit cards -

Starwood Preferred Guest Credit Card from American Express

Low interest rate credit cards Starwood Preferred Guest Credit Card from American Express. Purchase APR for this credit card is currently 15.24. Cash Advance APR for this credit card is currently 25.24. This credit card carries an annual fee of $45.00. 2.9% introductory APR for the first 6 months. No annual fee for the first year. Earn 10,000 bonus Starpoints with your first purchase. Redeem your Starpoints at a moment's notice for free nights at over 940 Starwood Hotels and Resorts around the world or for flights on hundreds of airlines - all with no blackout dates. Redeem Starpoints for free nights without blackout dates or availability restrictions at over 940 Starwood Hotels and Resorts around the globe - including Westin, Aloft, Element, Sheraton, Four Points by Sheraton, St. Regis, The Luxury Collection, W Hotels, and Le Meridien. Enjoy free weekend nights at a Category 1 or 2 property for as low as 2,000 Starpoints. Redeem Starpoints with SPG flights to fly on hundreds or airlines with no blackout dates. Or transfer Starpoints for miles with more than 30 airline partners. Get closer to earning a free flight with a 5,000-Starpoint bonus for transferring 20,000 Starpoints to miles. Related - air miles credit cards - air rewards credit cards - travel rewards credit cards - low interest rate credit cards - low rate credit cards -

Blue from American Express

Low interest rate credit cards Blue from American Express. Purchase APR for this credit card is currently 15.24. Cash Advance APR for this credit card is currently 25.24. This credit card carries an annual fee of $0.00. 0% introductory APR for the first 6 months. No annual fee. Use points whenever you're ready - they have no expiration date. Save up for amazing rewards - there's no limit to the number of points you can earn. Over 500 of your favorite brands to choose from - redeem points for an incredible selection of merchandise and gift cards. Use points to pay for cool new gadgets, designer clothing. Pay with Points for travel, and fly anytime, anywhere - there are no blackout dates or restrictions. Related - low interest rate credit cards - low rate credit cards - no annual fee credit cards - no fee credit cards -

JetBlue Card from American Express

Low interest rate credit cards JetBlue Card from American Express. Purchase APR for this credit card is currently 15.24. Cash Advance APR for this credit card is currently 25.24. This credit card carries an annual fee of $40.00. There are no blackout dates, so you can redeem points for any seat, anytime. Earn 10,000 TrueBlue points with your first purchase. Roundtrip Award Flights start at just 10,000 points. Earn up to 8 TrueBlue points for every eligible dollar spent on jetblue.com — up to 6 points when you purchase a flight and an additional 2 points when you use your JetBlue Card. Earn one point for every eligible dollar you spend anywhere else. Related - air miles credit cards - air rewards credit cards - travel rewards credit cards - low interest rate credit cards - low rate credit cards -

Hilton HHonors Card from American Express

Low interest rate credit cards Hilton HHonors Card from American Express. Purchase APR for this credit card is currently 15.24. Cash Advance APR for this credit card is currently 25.24. This credit card carries an annual fee of $0.00. 2.9% introductory APR for the first 6 months. Earn 20,000 Hilton HHonors bonus points with your first purchase — enough for up to two free nights. Earn 6 HHonors bonus points for every eligible dollar you spend at Hilton Family hotels, and at grocery stores, drugstores, gas stations, wireless and home phone, internet, cable, and satellite TV service providers. Earn 3 HHonors bonus points for every eligible dollar charged everywhere else. You won't find Blackout Dates with Hilton HHonors. If a standard room is available, you can redeem points for it. HHonors Silver VIP status is yours, complimentary, for the life of your travel rewards Card. You can receive a 15% bonus credit on all HHonors Base points earned, as well as other benefits when you stay at Hilton Family hotels. Enjoy an automatic upgrade to HHonors Gold VIP status when your total eligible spend reaches $20,000 in the calendar year. There's no limit to the amount of points you can earn on your Card. Your points have no expiration date as long as you earn points on your Card at least once every 12 months. Related - low interest rate credit cards - low rate credit cards - no annual fee credit cards - no fee credit cards -

Blue Cash from American Express

Low interest rate credit cards Blue Cash from American Express. Purchase APR for this credit card is currently 17.24. Cash Advance APR for this credit card is currently 25.24. This credit card carries an annual fee of $0.00. 0% APR for 6 months, no annual fee. Can earn up to 5% cash back on your daily purchases. Best of all, you receive your cash back automatically. There's no minimum spending required, and no limit on the cash rewards you can earn.Spend more than $6,500 on your Card and boost your earnings from 0.5% to 1.25% on every purchase you make. Plus, you can go from 1% to 5% on everyday items like groceries and gasoline. Earn cash back faster by adding family or friends to your account at no extra charge - their eligible purchases count toward your Blue Cash rebate. Earn cash back on recurring bills you already pay, such as gym memberships and phone bills, by enrolling your Card in Automatic Bill Pay. Look for your rebate as a credit on your statement one month following your Card anniversary date. For example if you opened your account in January, you should expect to see your rebate in February the following year. Related - cash back credit cards - cash rebate credit cards - low interest rate credit cards - low rate credit cards - no annual fee credit cards - no fee credit cards -

Blue Sky from American Express

Low interest rate credit cards Blue Sky from American Express. Purchase APR for this credit card is currently 17.24. Cash Advance APR for this credit card is currently 25.24. This credit card carries an annual fee of $0.00. 0% APR for 6 months, no annual fee. Redeem your travel rewards without worrying about seat restrictions or blackout dates. Plus, earning points is a breeze you earn one point for virtually every dollar you spend on your Card. Redeem every 7,500 points you earn for a $100 statement credit toward any airline ticket, hotel stay, or car rental. Enjoy no expiration date or limit on the number of points you can earn. Redeem travel rewards without advance planning, seat restrictions, or blackout dates - you're free to travel anywhere, anytime. Related - air miles credit cards - air rewards credit cards - travel rewards credit cards - low interest rate credit cards - low rate credit cards - no annual fee credit cards - no fee credit cards -

Clear from American Express

Low interest rate credit cards Clear from American Express. Purchase APR for this credit card is currently 17.24. Cash Advance APR for this credit card is currently 25.24. This credit card carries an annual fee of $0.00. 0% introductory APR for the first 6 months. No annual fee. Get a $25 American Express shopping card for every eligible $2,500 you spend on your Card. Enjoy no restrictions on how much you can earn. Related - cash back credit cards - cash rebate credit cards - low interest rate credit cards - low rate credit cards - no annual fee credit cards - no fee credit cards -

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Low Interest Rate Credit Cards Guide

Are your credit card fees excessive? Find and apply for no annual fee credit cards at our site. Are interest rates on your credit cards very high? Find and apply for low interest credit cards at our site. Looking for a credit card that gives you something back for each purchase you make using the card? Check out our cash back credit cards and credit cards with reward points and air miles credit cards. Or perhaps you are looking for that great card which offers no annual fee, a low interest rate for purchases, a long grace period, and incentives such as travel rewards or cash back rebates? Feel free to browse our credit card listings by category and then sort the listing by factors such as introductory interest rate, ongoing interest rate, cash advance interest rate, and annual fees. After finding a card which interests you, click through to the issuers site using the link provided and apply online. In many cases you will receive an instant online approval. Otherwise, you will receive instructions such as how to provide additional information such that the card issuer can proceed to make a final decision on your application. If you are approved, you will often receive your card shortly within 8 through 10 business days.

READ AND UNDERSTAND YOUR CREDIT CARD TERMS

Whether you are applying for a low interest card, a $0 annual fee card, or a cash back card, it is crucial that you read and understand the card's terms before applying. Preferably you want to apply for a credit card which offers no annual fee, incentives such as cash back or reward points, and a low interest rate for purchases, balance transfers, and cash advances. The following are some important points you should keep in mind when comparing credit card offers.

ANNUAL FEES - what are they? and how are they important?

Many credit cards offer $0 annual fees. Other credit cards such as those which offer air miles may typically charge an annual fee. You need to weigh the costs and benefits of such cards carefully. If you feel that you can accumulate enough reward points then the annual fee may turn out to be a small cost for you. On ther other hand you want to avoid paying annual fees for such cards if you there is a good chance you may never earn enough reward points.

INTRODUCTORY Versus ONGOING INTEREST RATES (APR)

When reviewing various credit card offers, be careful to distinguish between the 'introductory' interest rate if any, and the ongoing interest rates. Although the introductory APR may be temptingly low, keep in mind that these rates typically last only for a fixed amount of time such as 6 months. Afterwards, you will become subject to the ongoing interest rates which may be much higher.

FIXED Versus VARIABLE INTEREST RATES (APR)

When reviewing various credit card offers, check to see whether the ongoing interest rates are fixed or variable. Variable rates are usually tied to an index such as the PRIME RATE as published in the Wall Street Journal. A credit card with variable interest rates can cause your interest rate to change monthly or quarterly depending on the terms of your card.

Keep in mind that a variable rate in itself is not good or bad. When rates are low, variable rate cards may offer some great rates. And understand that your interest rate for even a 'fixed' rate credit card can vary. However, according to federal law, issuers must give written notice of rate increases to fixed rate cardholders which thus tends to make 'fixed' rate cards less variable then 'variable' rate credit cards.

TRANSACTION and OTHER FEES

Certain credit card issuers charge a fee if you use the card to get a cash advance; if you fail to make a payment on time; and/or if you exceed your credit limit. Some credit card issues may also charge a flat fee every month whether you use your card or not. Read the fine print and know the transaction fees and any other charges which you may be subject to before signing up for any credit card.

Credit Card Facts You Need to Know

Credit Card Facts You Need to Know 1) CREDIT CARDS WITH NO GRACE PERIOD
Avoid credit card offers which have no grace period. No grace period means you may be subject to finance charges which start accruing from day one of your first purchase. This is regardless of whether you pay in full each month.

2) LIMITS ON GRACE PERIOD
Many credit cards typically offer a 20-25 day grace period which allows new purchases to be excluded from calculation of finance charges. Beware however that if you carry a balance from month to month, most cards provide no grace period on new purchases. So in order to take advantage of your credit card's grace period, pay your credit card bill in full each month.

3) LOW INTRODUCTORY RATES
In case you come across credit card offers which seem to offer a credit card with an incredibly low interest rate, check to see whether or not the rate is an 'introductory' rate. Introductory rates are typically for a limited period of time, such as 2% for the first 6 months. After the introductory rate period has passed, you will be subject to the regular interest rate which is likely to be higher. While introductory rates are great while they last, remember to also learn about the on-going rates before signing up for any credit card. Read more Credit Card Facts You Need to Know

Chase Sapphire Credit Card
Apply Now for the Chase Sapphire(SM) Card

Chase Freedom Visa Credit Card
Apply Now for the Chase Freedom(SM) credit card

Chase Slate Credit Card
Apply Now for Slate(SM) from Chase

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