credit cards
Because the rate change is linked to the index's performance, these plans are called variable rate programs. When you carry a balance from month to month, there is no grace period on new purchases on most cards. Rate changes raise or lower the finance charge on your account. Remedy: Bank at separate institutions or avoid delinquencies. Some charge a monthly fee whether or not you use the card. That Elite Rewards Platinum Plus card from MBNA charges a 3-percent fee on transferred balances and cash advance checks. Currently there are many card companies offering low introductory rates to attract new customers. And that means getting serious about your debt. So they have come up with stuff to hand out that is less expensive to them than cutting interest rates and fees would be. With gas prices so high, you may want a gas station credit card to help subsidize the cost of driving. However, if you have poor credit, you aren’t doomed to being eternally shunned by creditors. The latest round of credit card offers boasts some seriously good terms. Because some especially greedy banks eliminate the no-interest grace period when you have a cash advance outstanding on your account. They max out their credit cards again. Will I just pay the minimum? You get credit by promising to pay in the future for something you receive in the present. 2. Some, but not all, card issuers charge annual participation or membership fees. On the other hand, if you always pay your monthly bill in full, and reward offers such as frequent flyer miles don't interest you, your best choice may be a card that has no annual fee and offers a longer grace period. Using a credit card to buy airline tickets may keep you from being harassed at the airport. Issuers also may send you an application or a solicitation, or ask you by phone if you want a card - and, if you say yes, they may send you one. Below is an example of the costly result of carrying a credit card balance. Instant Online Approval - Many cards featured here will approve your application instantly - no waiting for weeks to find out if you have been approved. If you don’t understand how your balance is calculated, ask your card issuer. Misrepresent prices and payments for merchandise. No. A compelling argument can be made for each side of the debate. 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. Airline Cards - These credit cards are ideal for the frequent travelers. Even if the low interest credit cards' rate is offered for a limited time, there are still substantial savings available to you, especially if you complete low interest credit cards balance transfer. If you expect to pay your bills in full each month, the annual fee and other charges may be more important than the periodic rate and the APR, if there is a grace period for purchases. Of course, the credit card companies are betting that most people that land a zero-percent deal won't pay down their debt and that a big, fat balance will linger long after the interest-free period ends. Even if you never pay interest, your credit card company is making money from your purchase, which is why card companies can offer reward schemes and discounts. 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. This keeps your money in your account for a longer period of time where it's subject to any interest earnings that your account offers. A lot of people take equity out of the home, pay off the credit cards and that makes great sense. Yet, you may have some concerns about using your credit card online. This method gives you until the end of the billing cycle to pay a portion of your balance to avoid the interest charges on that amount. Now you’re getting the picture on how these companies stay in business. Remedy: Throw the offer out! Mike's average unpaid credit card bill over a year is $1000, and his finance charge is 20%. A business credit card is exactly as the name implies, a credit card designed especially for businesses. Also called a grace period, a free period lets you avoid finance charges by paying your balance in full before the due date. The report details how well you pay your bills, bank loans and credit card purchases. low interest credit card in your wallet. Before snatching up a zero-percent card offer, be sure to grab a magnifying glass and pour over the fine print. The credit card companies get a percentage of the price of everything paid with credit cards. Many credit card companies will provide incentives to have you enroll by offering a low interest rate to new card subscribers. Pre-approved -- A credit card offer with pre-approved only means that a potential customer has passed a preliminary credit-information screening. Let the credit card companies make their money off someone else. Many card-issuing banks charge fees for cash advances. The banks may limit the amount that can be charged to a specific dollar amount. 6% who respond, fewer will actually ever open and use the account that they’ve applied for. Minimum payment -- The minimum amount a cardholder can pay to keep the account from going into default. See our Credit Card Terms (above) for more information on these and other important credit card terms. 7. It is as important as your mobile or notebook. Unless 'gold' or 'platinum' card merchants are subscribers to credit bureaus, they won't be able to report information about your credit experience. When you apply for a credit card online you should keep in mind some of the most important factors about a credit card. Don’t be swayed by the pessimistic tone of the introduction. You may be able to lower your monthly payments at the cost of a longer repayment schedule and more interest, but the important thing is that you are paying your bills on time and in full and saving your credit rating. Low Fixed Rate - These credit cards offer a fixed low rate on purchases - often below 10%. Late payments will stay on your report for seven years and bankruptcies for ten. Why do you forget it comes at your doorstep? This provides greater security than returning an application by mail. We recommend you view the credit card glossary page to familiarize yourself with some common terms associated with credit cards and their terms and fees. Another plus of using credit cards, so long as you make all of your payments on time, is that regular use will help your credit rating by showing that you meet your credit commitments in timely fashion. It must include the Annual Percentage Rate, the monthly minimum payment formula, annual fee if applicable, and the cardholder's rights in billing disputes. Some people assume that the interest rate always stays the same. With the price of gas going up wouldn't it be great to find a way to save money at the pump. You may also be subject to finance charges of over 18%. Discover's Platinum MasterCard woos customers with a zero-percent interest rate on purchases and balance transfers for 12 months. This is a fact that the credit card companies are less than thrilled about. What's the cause of this growing trend? All of the major card issuers have a business card available. Another big earner for credit card companies is the money collected from cash withdrawal fees, late payment fees, and other penalties -- so avoid these traps at all costs. Save Money - By transferring your current balances on high interest cards to cards offering 0% introductory rates, you can save hundreds or thousands of dollars in interest alone. Security - Secure online applications ensure that your personal information is encrypted. Many banks enticed you to sign up with extra benefits such as a lifetime warranty, a 5% discount on all travel, or protection if an item purchased is lost. Car dealerships with ads that scream, Super low interest! Savvy consumers have mastered the science of waiting till the last day to make a sufficient enough payment to avoid interest. A cash advance works in a different way: you get no grace period. If you are looking to apply for a credit card online, Credit 123 has a large selection of major credit cards to chose from. Prepaid Cards - These cards are also referred to as secured credit cards. Purchases made during the billing period aren’t included. If you have good credit then your interest rate should be competitive. We have already seen over 1,000,000 credit card holders get the credit they deserve, with thousands of new credit card holders being added every month. who have never before had a credit card in their name. Who gets to see it? This is a way for the credit card companies to shorten the amount of time you can use their money for free and also pick up some late fee revenue. 5 percent. Low APR credit cards can save you hundreds and even thousands of dollars depending on the size of your credit cards balance. We offer our credit card consumers the opportunity to establish credit and gain access to credit card services previously unavailable to them. If you run your business, then you can't say that you don't meet the expense of not having business credit cards. Once you are on their books as a customer the fun really begins. There are a few ways that you can go about your search for applications. Abuse by credit card companies was most evident several years ago when a disturbing trend began. For example, I get a discount at Staples whenever I use my business American Express card. Shop around for the plan that best fits your needs. Low interest cards are great if you tend to carry a balance each month. American Express cardholders have become desensitized to the fact that they still pay a “membership” fee each year. Write a check on your bank account or make a savings account withdrawal. In addition to your business credit cards you can even get personnel credit card. If your card includes a free period, the issuer must mail your bill at least 14 days before the due date so you'll have enough time to pay. money at the pump try looking at a gas rebate credit card. Look for advertisements on television as well. You pay for phone calls with these prefixes -- even if you never get the 'gold' or 'platinum' card. But, some charge interest from the date of purchase, days before they have even paid the store on your behalf! Some 0% interest rate cards charge very high interest after the introductory period. Too many inquiries will reflect poorly on your credit report – they’re all recorded – and will lower your score. Most offer low interest rates, no annual fees and discounts. Look out for card-related bargains. They will use information from the application form you submit and references agencies. Statistically, nearly every consumer has an error on at least one credit bureau report because bureaus don’t make the extra effort to verify information from creditors. Its difficult to say that there's an all-round best credit card, as what's best depends on your spending habits.
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

Low Interest Rate Credit Cards

Sort by
Credit Cards		 Sort by
Intro APR		 Sort by
Intro Period		 Sort by
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Cash Advance APR		 Sort by
Grace Period		 Sort by
Annual Fee		 Notes
Advanta Platinum Business Card with Rewardsfixed 7.99fixed 7.9920 days$0Business Card
Cash Back
Travel Rewards
One from American Expressvariable 13.24-30 days$0Cash Back
Gift Certificates
WorldPerks Visa Platinum Cardvariable 16.75variable 21.9925 days$55Air Miles
United Milesage Plus Visa Credit Cardvariable 16.99variable 21.4920 days$60Air Miles
Gold Delta SkyMiles Business Credit Card from OPENvariable 17.24variable 22.2420 days$0Business Card
Air Miles
JetBlue Card from American Expressvariable 17.24variable 22.2420 days$40Air Miles
Gold Delta SkyMiles Credit Cardvariable 17.24variable 22.2420 days$85Air Miles
Platinum Business Credit Card from OPENfixed 0.0012 monthsvariable 10.24variable 22.2425 days$0Business Card
Blue for Business Card from OPENfixed 0.0012 monthsvariable 10.24variable 22.2425 days$0Business Card
Chase Platinum Credit Cardfixed 0.0012 monthsvariable 10.99variable 22.9920 days$0
Value Miles Platinum Visa Credit Cardfixed 0.0012 monthsvariable 11.74variable 21.7420 days$0Air Miles
Advanta Platinum Business Cardfixed 0.0012 monthsvariable 12.49variable 12.4920 days$0Business Card
Sony Cardfixed 0.0012 monthsvariable 12.99variable 21.7420 days$0Sony Rewards
Chase Cash Plus Rewards Visa Cardfixed 0.0012 monthsvariable 12.99variable 22.0020 days$0Cash Back
Gift Rewards
Perfect Credit Card from Chasefixed 0.0012 monthsvariable 12.99variable 22.0020 days$0Cash Back
Chase Flexible Rewards Platinum Visa Cardfixed 0.0012 monthsvariable 12.99variable 22.0020 days$0Cash Back
Air Miles
Gift Rewards
Borders Waldenbooks Platinum Visa Credit Cardfixed 0.0012 monthsvariable 12.99variable 22.0020 days$0Borders Waldenbooks Rewards
Blue from American Expressfixed 0.0015 monthsvariable 11.24variable 22.2420 days$0Reward Program
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
Blue Cash from Business Credit Card from OPENfixed 0.006 monthsvariable 10.24variable 22.2425 days$0Business Card
Cash Back
IN NYC Card from American Expressfixed 0.006 monthsvariable 11.24variable 22.2420 days$0Reward Program
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
Blue Cash from American Expressfixed 0.006 monthsvariable 12.24variable 22.2420 days$0Cash Back
Starbucks Card Duetto Visafixed 0.006 monthsvariable 12.99variable 21.7420 days$0Starbucks Rewards
Volkswagen Platinum Visa Cardfixed 0.006 monthsvariable 12.99variable 21.7420 days$0Volkswagen Rewards
Hess Visa Platinum Card from Chasefixed 0.006 monthsvariable 12.99variable 22.0020 days$0Hess Gas Rewards
Universal Entertainment Mastercardfixed 0.006 monthsvariable 12.99variable 22.0020 days$0Gift 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
Disney Visa Credit Cardfixed 0.006 monthsvariable 12.99variable 22.0020 days$0Disney Rewards
Citi mtvU Platinum Select Visa Card for College Studentsfixed 0.006 monthsvariable 16.99variable 22.2420 days$0Student Card
Gift Rewards
Citi Platinum Select Card for Studentsfixed 0.006 monthsvariable 16.99variable 22.2420 days$0Student Card
Marathon Platinum Matercard from Chasefixed 0.006 monthsvariable 16.99variable 22.9920 days$0Gas Rewards
Speedway SuperAmerica Platinum Mastercardfixed 0.006 monthsvariable 16.99variable 22.9920 days$0Gas Rewards
Chase Ultimate Rewards Express Student Cardfixed 0.006 monthsvariable 16.99variable 22.9920 days$0Student Card
Gift Rewards
Universal Entertainment Student Mastercardfixed 0.006 monthsvariable 16.99variable 22.9920 days$0Student Card
Gift Rewards
Citi Drivers Edge Visa Cardfixed 0.006 monthsvariable 17.24variable 22.2420 days$0Student Card
Car Rewards
Citi Dividend Platinum Select Card for College Studentsfixed 0.006 monthsvariable 17.24variable 22.2420 days$0Student Card
Cash Back
Hilton HHonors Platinum Credit Cardfixed 2.906 monthsvariable 17.24variable 22.2420 days$0Hotel Rewards
Starwood Preferred Guest Credit Cardfixed 2.906 monthsvariable 17.24variable 22.2420 days$0Hotel 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
Miles Card from Discover Cardfixed 0.00Through 1/2007variable 9.99variable 20.9925 days$0Air Miles
Discover Titanium Cardfixed 0.00Through 1/2007variable 9.99variable 20.9925 days$0
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


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