credit cards
73 million dollars per year. Secured card -- A credit card that a cardholder secures with a savings deposit to ensure payment of the outstanding balance if the cardholder defaults on payments. What type of credit card is right for me? Yet, these catalogues are the only places you can use the cards. Where are they making their money? Without this period, you may have to pay interest from the date you use your card or when the purchase is posted to your account. Also, if you plan to pay for purchases over time, the APR and the balance computation method are definitely major considerations. Some cards have business clubs that you can join. Does the teaser rate apply to transferred balances or new purchases or both? If you start missing payments you can be sure that your grace period will be reduced. Federal law prohibits issuers from sending you a card you didn't ask for. People who carry a balance on their credit cards have no grace period. However, if you have poor credit, you aren’t doomed to being eternally shunned by creditors. One of the most valuable components of any credit score is the aggregate revolving credit limit of a consumer. Credit card companies do not like free riders because they do not make any money from the account. This is the interest rate used to figure the finance charge on your balance each billing period. Purchases made during the billing period aren't included. Some credit cards start you off with a teaser, a temporarily lower interest rate that can last for as little as 90 days or as long as a year. The following are some important terms to consider that must be disclosed in credit card applications or in solicitations for credit cards. It is very important to try and build a favorable credit history while in college. Others offer low interest credit cards closer to prime lending rates, often half or less than the usual higher interest credit cards. Click here to get a free copy of your credit report. The problem is that none of them have figured out what to say, how to say it or what kind of envelope to put it in to convince us to apply for their wares more than 6 times out of every thousand envelopes they mail. If you don’t understand how your balance is calculated, ask your card issuer. A business credit card is exactly as the name implies, a credit card designed especially for businesses. This does not have to be the case as switching credit card providers is very easy and there are some very good deals for credit card balance transfers. If you do, you could end paying a truckload of interest on a $50 sweater. The closer you get to the due date the more likely you are to miss a payment. Remember to make the most of an interest-free deal, you'll want to pay off that balance in-full before the teaser rate ends. Here are the most common ways credit card issuers will make money from you once you’ve started using their cards. Two-cycle Balances. This can make a big difference in how much of a finance charge you’ll pay -- even if the APR and your buying patterns remain relatively constant. Look for offers that use an adjusted balance, which subtracts your payment from your beginning balance. Some 'gold' or 'platinum' card promoters charge $50 or more for their cards. They are also highly regulated and scrutinized because of a history of consumer abuse patterns. Another big moneymaker for credit card companies are annual fees. Unfortunately, the credit card companies took it upon themselves to ignore the potential impact to the credit scores of some 200 million consumers by simply omitting that information from credit reports. whatsoever. students, banks hope to gain a lifetime customer. Cash Rebate offers allow individuals to earn cash back on all purchases made. 8. Viale cautions consumers to research the details of anything they're considering buying on credit. Over-the-limit fee -- A fee charged for exceeding the credit limit on the card. Virtually all 0% interest rate credit cards offer no interest for a limited amount of time, usually six months. People assume they can pay it when the time comes. When you're looking for a credit card, be sure to consider the terms and costs associated with the card. Get your Low Interest Rate Credit Cards today and get a decision on the credit card in seconds! Whether they're recovering from past credit card problems, or just starting out, we believe that all people desiring a credit card deserve the ability to get financial support and a credit card. However, if properly managed then credit cards can be your friend and ally in accumulating wealth and security…all while using someone else’s money. Make sure to get one from all three because they all may be slightly different thanks to varying criteria for credit scoring. After you fill out the application it will be reviewed by the credit card issuer within a week and you will receive the response whether you are approved for a credit card or not. ** It is very important to know that problems with credit cards, such as late or missed payments, stay on your credit report for seven years. It is used by people new to credit, or people trying to rebuild their poor credit ratings. Some card companies charge higher rates, which is why retailers will sometimes discourage the use of some cards, like American Express. Let's imagine that your company is going to launch a new product, for that you need to advertise your product, or you need materials so that you can launch your product well on time. Without a free period, the card issuer may impose a finance charge from the date you use your card or from the date each transaction is posted to your account. Mike's average unpaid credit card bill over a year is $1000, and his finance charge is 20%. You not only save the cost of a stamp, but many cards let you pay online as late as the day that the payment is due. Consider the annual fee, finance charges, balance computation method, and whether or not there is a grace period for purchases. Look out for card-related bargains. The subprime market that was created a few years ago literally extends credit to just about anybody. American Express cardholders have become desensitized to the fact that they still pay a “membership” fee each year. The bottom line was I had too many credit cards. Review these low interest credit cards applications today. This is essentially several months of free credit. These are debit cards. 0% APR - If you are planning on making a large purchase or several large purchases, many cards offer an introductory interest rate of 0% for several months. Why are they offering a super low interest rate or cash rebate? It's a great business credit card that has fairly low interest rates, a good business savings program, and sends you quarterly management reports. How? Take debt at 21 percent and drop it down to 6 percent. They also have free credit card deals offered for students, people with marginal or poor credit, people looking for a rewards program, or for business people. For individuals with poor credit, or no credit, several types of credit cards are available. 1% interest, and the bank lends someone, possibly you, this same money for credit card debts at 18%. These cards are great for people who pay off their balance in full every month. Yet, you may have some concerns about using your credit card online. The good news is that creditors look for a general history of good credit behavior, so consistently paying your bills on time will help to overlook your blemishes. Bank One's Platinum Visa Card charges a 3-percent balance transfer fee, capped at $50. This is usually the most advantageous method for card holders. This amount of time is called the grace period. It also must be disclosed before you become obligated on the account and on your account statements. Some of these cards do not allow you to transfer balances from high-rate interest cards during the introductory 0% offer period. Despite the fact that they come in different colors and sizes they all have one thing in common. It is a great opportunity if you make a concerted effort to get rid of the debt. Most card issuers require a minimum payment of two percent of the outstanding balance. 20,000 two years ago. Most importantly, what the APR rate will be when the offer ends! This site is dedicated to finding the right card and application for you depending on your current financial circumstances, your credit record, and your intentions for getting a card. Let the credit card companies make their money off someone else. If a marketer assures you that reliable information about you will be reported to credit bureaus, call the bureaus to confirm that the merchant is a member. If you don't understand the language, credit card offers and statements could lead you to deep debt -- or at least furious frustration. You're not allowed to charge the total amount when you buy merchandise from 'gold' or 'platinum' card catalogues. Business credit cards are intended for business owners and executives. This couldn’t be further from the truth. The APR is the cost of your credit. We have reviewed various companies and the credit cards they offer, and have narrowed the list down to a few select companies, whom we believe offer the best credit cards available for consumers. But to do so you or your company should have buying power and that's exactly the business credit card provides. These changes raise or lower your account’s finance charges. Send your letter soon. Some cards with low rates for on-time payments apply a very high APR if you are late a certain number of times in any specified time period. Prompt Credit for Payment. Others are variable rate, which means that the card's issuer can change your APR as national interest rates or other indexes change. merchandise. If you were charging cash when you got a cash advance, you would normally have a grace period of twenty-five days or so after you got your bill. They can look alike. Prove them wrong. Marketers of these credit cards often promise that by participating in their credit programs, you will be able to get major credit cards (such as an unsecured Visa or MasterCard), lines of credit from national specialty and department stores, better credit reports, and other financial benefits. You can also find 0% APR credit cards associated with such entities as college alumni associations or with specific professions. There are also too many offers targeted specifically to new credit users, typically students, who end up entering the workforce in severe debt and close to bankruptcy. If you carry a balance, you'll probably be more interested in a low APR credit card.
Low Interest Rate Credit Cards Guide 

BROWSE BY CREDIT CARD TYPE:
All Credit Cards
Air Mile Credit Cards
Business Credit Cards
Cash Back Credit Cards
Charge Cards
Low Interest Credit Cards
No Annual Fee Credit Cards
Credit Cards with Rewards
Student Credit Cards


Credit Cards Guide:
How to Find the right Credit Card
Credit Card Facts You Need to Know
Lost or Stolen Credit Cards

Credit Cards with Rewards

Sort by
Credit Cards		 Sort by
Intro APR		 Sort by
Intro Period		 Sort by
Purchase APR		 Sort by
Cash Advance APR		 Sort by
Grace Period		 Sort by
Annual Fee		 Notes
American Express Rewards Gold Card-----$90Charge Card
American Express Rewards Green Card-----$65Charge Card
Blue Cash from American Expressfixed 0.006 monthsvariable 12.24variable 22.2420 days$0Cash Back
Blue Cash from Business Credit Card from OPENfixed 0.006 monthsvariable 10.24variable 22.2425 days$0Business Card
Cash Back
Blue for Business Card from OPENfixed 0.0012 monthsvariable 10.24variable 22.2425 days$0Business Card
Borders Waldenbooks Platinum Visa Credit Cardfixed 0.0012 monthsvariable 12.99variable 22.0020 days$0Borders Waldenbooks Rewards
British Airways Visa Signature Cardfixed 4.905 monthsvariable 15.99variable 21.7420 days$75Air Miles
Business Cash Rebate Card from OPENfixed 0.006 monthsvariable 10.24variable 22.2425 days$0Business Card
Cash Back
Business Gold Card from OPEN-----$75Charge Card
Business Green Rewards Card from OPEN-----$95Charge Card
Chase Cash Plus Rewards Visa Cardfixed 0.0012 monthsvariable 12.99variable 22.0020 days$0Cash Back
Gift Rewards
Chase Flexible Rewards Platinum Visa Cardfixed 0.0012 monthsvariable 12.99variable 22.0020 days$0Cash Back
Air Miles
Gift Rewards
Chase Ultimate Rewards Express Student Cardfixed 0.006 monthsvariable 16.99variable 22.9920 days$0Student Card
Gift Rewards
Citi Dividend Platinum Select Card for College Studentsfixed 0.006 monthsvariable 17.24variable 22.2420 days$0Student Card
Cash Back
Citi Drivers Edge Visa Cardfixed 0.006 monthsvariable 17.24variable 22.2420 days$0Student Card
Car Rewards
Citi mtvU Platinum Select Visa Card for College Studentsfixed 0.006 monthsvariable 16.99variable 22.2420 days$0Student Card
Gift Rewards
Continental Airlines World Mastercard from Chasefixed 7.996 monthsvariable 16.99variable 22.9920 days$85Air Miles
Discover Platinum Credit Cardfixed 0.00Through 1/2007variable 9.99variable 20.9925 days$0Cash Back
Discover Platinum Gas Cardfixed 0.00Through 1/2007variable 9.99variable 20.9925 days$0Cash Back
Gift Rewards
Discover Student Credit Cardfixed 0.00Through 7/2006variable 15.74variable 22.9925 days$0Student Card
Cash Back
Disney Visa Credit Cardfixed 0.006 monthsvariable 12.99variable 22.0020 days$0Disney Rewards
Gold Delta SkyMiles Business Credit Card from OPENvariable 17.24variable 22.2420 days$0Business Card
Air Miles
Gold Delta SkyMiles Credit Cardvariable 17.24variable 22.2420 days$85Air Miles
Hess Visa Platinum Card from Chasefixed 0.006 monthsvariable 12.99variable 22.0020 days$0Hess Gas Rewards
Hilton HHonors Platinum Credit Cardfixed 2.906 monthsvariable 17.24variable 22.2420 days$0Hotel Rewards
IN Chicago Card from American Expressfixed 0.006 monthsvariable 11.24variable 22.2420 days$0Reward Program
IN LA Card from American Expressfixed 0.006 monthsvariable 11.24variable 22.2420 days$0Reward Program
IN NYC Card from American Expressfixed 0.006 monthsvariable 11.24variable 22.2420 days$0Reward Program
JetBlue Card from American Expressvariable 17.24variable 22.2420 days$40Air Miles
Marathon Platinum Matercard from Chasefixed 0.006 monthsvariable 16.99variable 22.9920 days$0Gas Rewards
Miles Card from Discover Cardfixed 0.00Through 1/2007variable 9.99variable 20.9925 days$0Air Miles
One from American Expressvariable 13.24-30 days$0Cash Back
Gift Certificates
Perfect Credit Card from Chasefixed 0.0012 monthsvariable 12.99variable 22.0020 days$0Cash Back
Sony Cardfixed 0.0012 monthsvariable 12.99variable 21.7420 days$0Sony Rewards
Speedway SuperAmerica Platinum Mastercardfixed 0.006 monthsvariable 16.99variable 22.9920 days$0Gas Rewards
Starbucks Card Duetto Visafixed 0.006 monthsvariable 12.99variable 21.7420 days$0Starbucks Rewards
Starwood Preferred Guest Credit Cardfixed 2.906 monthsvariable 17.24variable 22.2420 days$0Hotel Rewards
Subaru Platinum Mastercard from Chasefixed 0.006 monthsvariable 12.99variable 22.0020 days$0Subaru Car Rewards
Toys R US Visa Card from Chasefixed 0.006 monthsvariable 12.99variable 22.0020 days$0Gift Rewards
United Milesage Plus Visa Credit Cardvariable 16.99variable 21.4920 days$60Air Miles
Universal Entertainment Mastercardfixed 0.006 monthsvariable 12.99variable 22.0020 days$0Gift Rewards
Universal Entertainment Student Mastercardfixed 0.006 monthsvariable 16.99variable 22.9920 days$0Student Card
Gift Rewards
Value Miles Platinum Visa Credit Cardfixed 0.0012 monthsvariable 11.74variable 21.7420 days$0Air Miles
Volkswagen Platinum Visa Cardfixed 0.006 monthsvariable 12.99variable 21.7420 days$0Volkswagen Rewards
WorldPerks Visa Platinum Cardvariable 16.75variable 21.9925 days$55Air Miles


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