credit cards
This site makes is easy for you to shop around and compare what is on offer. We have hundreds of low interest credit card offers to choose from, most of which offer instant online approval. Earn points redeemable for free travel on most major airlines with every purchase. Just like a report card or a resume, a credit report is used to document your performance; in this case, your financial performance. You can’t rent a car, check out a movie, buy anything online or reserve a hotel room. You can also make a good argument that without a credit card you can’t function efficiently in today’s environment. And, of those few who do open an account, even fewer will actually revolve a balance from one month to the next. Rules for imposing changes vary from state to state, but the rules that apply are those of the home state of the issuing bank, not the home state of the cardholder. The following are some important terms to consider that generally must be disclosed in credit card applications or in solicitations that require no application. Is it a credit card or debit card? It is very important to try and build a favorable credit history while in college. Industry insiders have estimated that the amount of money credit card issuers make each year from various fees is over $15 billion dollars. You will have to fill out a simple application when you apply for a credit card which only takes about five minutes to complete. 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. Credit card companies do not like free riders because they do not make any money from the account. Investigate an offer before enrolling. When you apply for a credit card online you should keep in mind some of the most important factors about a credit card. Business credit card provides an effective way to monitor and handle your business expenses. That Elite Rewards Platinum Plus card from MBNA charges a 3-percent fee on transferred balances and cash advance checks. Rarely, however, can you improve your credit rating or get major credit cards by buying 'gold' or 'platinum' credit cards. Lenders are required by law to disclose the APR. If you opt for a variable rate card, the issuer must disclose to you that the rate may change. With the help of your business credit cards you can also monitor employees' business expenses. So you could end up qualifying for a card with a higher teaser rate or no teaser rate at all. each month you may want to take a look at our selection of air miles credit cards. Many cards offer a 0% interest rate on balances transferred from other cards. These low interest credit cards offer introductory low interest as low as 0 apr. So, Friend or Foe? American Express has become a leader in the credit card industry, offering a variety of cards to meet any need. The creditor must acknowledge your complaint in writing within 30 days of receipt, unless the problem has been resolved. Remedy: Pay in full before the rate increase or close the account. The advantage of getting 0% interest rate credit cards is simple; you can use the lender's money for free. Click here to get a free copy of your credit report. When you apply for credit, the lender reviews your credit report before approving your application. 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. 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. This is the most common calculation method. 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. You can, however, find one that will suit your needs if you look in the right places. This is not the credit card to take with you on your next trip to the mall. And they’ve figured out plenty of ways to separate you from your hard earned dollar. Credit cards may offer additional perks, such as discounts, rebates or cash back offers. We know that searching for the right low interest credit card can be a huge hassel. 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. 6% who respond, fewer will actually ever open and use the account that they’ve applied for. 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. But if your credit is 'so-so', or poor, you must be more careful in your credit card selection. It credits your account from the day payment is received by the issuer. At the latest, you also must receive information, before you become obligated on the account, about any limitations on how much and how often your rate may change. There are several different types of credit cards to choose from, and each type offers various advantages to the card holder. Applying for credit cards online is very convinient. 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. 50. Both normally have higher rates and additional fees as compared to standard cards. You have to have a credit card to function today. People apply for credit cards for various reasons, and no two people's intentions or needs are the same. Some creditors exclude prior, unpaid finance charges from the previous balance. This result of this trend, localized only to the credit card industry, was swift and brutal. Another big moneymaker for credit card companies are annual fees. * Most credit cards at ASAP Credit Card have No Annual Fee! 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. This is quite a coup for American Express considering the fact that few other credit card companies charge membership fees. 6. The error might be a charge for the wrong amount, for something you didn't accept, or for an item that wasn't delivered as agreed. With so many interest free credit cards and low interest credit cards on offer, finding the best credit card for you can be a headache. Does it fit my budget? 5. They max out their credit cards again. Knowing whether a card gives you a free period is especially important if you plan to pay your account in full each month. Most people think they just haven’t got the time to sift through all of the information available. This has lead to predatory lending practices from unscrupulous lenders and an increase in amount of household credit card debt. The finance charges. American Express cardholders have become desensitized to the fact that they still pay a “membership” fee each year. Improved Credit Rating. We're seeing the results of promos that started a couple years ago and are ongoing. It helps in running your business smoothly as it provides many useful facilities like personnel loans, insurance, medical facilities etc. 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. Most card issuers charge interest from the day a charge is posted to your account if you don't pay in full monthly. An explanation must also appear on your billing statements. A little something goes to the Visa or MasterCard association depending on what kind of card you sue. 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. When shopping for a card, think about how you plan to use it. Not paying off the entire amount in your account every month will result to large finance charges. In this country as long as you have a salary and a decent credit rating you can buy a car and a home complete with furnishings all using someone else’s money. In fact, the opposite is true. A lot of people take equity out of the home, pay off the credit cards and that makes great sense. Reward Cards - If you use credit cards often, or are planning on making a large purchase and would like to benefit from using a credit card, there are many credit cards that are now offering various rewards for their use. 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. Some 0% interest rate cards charge very high interest after the introductory period. You'll probably also want to consider if the credit limit is high enough, how widely the card is accepted, and the plan's services and features. All of the major card issuers have a business card available. 73 million dollars per year. Now, some banks have cut back on these extras without the fanfare that launched them. This can be illustrated the next time you get your credit card statements or solicitations in the mail, which are loaded with mandatory disclosures, normally in very fine print. Abuse by credit card companies was most evident several years ago when a disturbing trend began. They love you when they are trying to get your business but you will eventually lose your luster. It can't all be for the consumer. In fact, many issuers include a summary of these rights on your bills. The monthly periodic rate, for example, is the cost of credit per month; the daily periodic rate is the cost of credit per day. This works to the advantage of a new small business owner trying to allay the costs of starting up a business, or to an established company with many cardholders charging on the same account. It is a great opportunity if you make a concerted effort to get rid of the debt. Foe - Opponents will counter that the credit card issuers are allowed too much leeway to aggressively market. Each time you use your card those banks tack 25 cents or so onto the amount of the charge. The latest round of credit card offers boasts some seriously good terms. Establishing a good credit history is an important part of your personal and financial future. Knowing whether a card gives you a grace period is especially important if you plan to pay your account in full each month. Before selecting a card, be sure you know which credit terms and conditions apply to the account. So, again, the questions is…how do these companies stay in business? whatsoever. A secured credit card is a great way to repair bad credit because the money you are drawing from has already been pre-established in a set-up savings account. Because the rate change is linked to the index's performance, these plans are called variable rate programs. But, some charge interest from the date of purchase, days before they have even paid the store on your behalf! For the big scoop on the fine print, here's what these frequently used credit card terms mean. The Fair Credit and Charge Card Disclosure Act requires credit and charge card issuers to include this information on credit applications. Some credit card plans allow the issuer to change your APR when interest rates or other economic indicators - called indexes - change. Other fees. 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. With the price of gas going up wouldn't it be great to find a way to save money at the pump. However, if you have poor credit, you aren’t doomed to being eternally shunned by creditors. Teaser rate -- Often called the introductory rate, it is the below-market interest rate offered to entice customers to switch credit cards or lenders. You can dispute charges for unsatisfactory goods or services. What will it cost me with the cash rebate vs. Of course, you still have to pay any part of the bill that's not in dispute, including finance and other charges. Now you’re getting the picture on how these companies stay in business. Secured credit cards are available to most individuals. This can quickly cost more than an annual fee. They're putting their house on the line and they're turning short-term debt into long-term debt. Even debts of small amounts, if not paid on time, can hurt your credit standing.
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

No Annual Fee Credit Cards

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
Advanta Platinum Business Card with Rewardsfixed 7.99fixed 7.9920 days$0Business Card
Cash Back
Travel Rewards
Chase Platinum Credit Cardfixed 0.0012 monthsvariable 10.99variable 22.9920 days$0
Blue from American Expressfixed 0.0015 monthsvariable 11.24variable 22.2420 days$0Reward Program
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
Value Miles Platinum Visa Credit Cardfixed 0.0012 monthsvariable 11.74variable 21.7420 days$0Air Miles
Blue Cash from American Expressfixed 0.006 monthsvariable 12.24variable 22.2420 days$0Cash Back
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
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
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
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
Gold Delta SkyMiles Business Credit Card from OPENvariable 17.24variable 22.2420 days$0Business Card
Air Miles
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
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
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
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
Discover Student Credit Cardfixed 0.00Through 7/2006variable 15.74variable 22.9925 days$0Student Card
Cash Back
One from American Expressvariable 13.24-30 days$0Cash Back
Gift Certificates


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