Low Interest Rates Credit Cards
Low Interest Credit Cards are for people with excellent credit. They are usually platinum or special edition credit cards and provide excellent service.
- Earn an additional 10,000 bonus points when you spend over $15,000 on the Card annually.*
- Exclusive Welcome Gift: The Nest Planning Kit, filled with many helpful items to get the two of you started including The Nest planning binder, designed to help you organize and manage home expenses and joint finances.*
- No annual fee. Pay over time or in full.*
- Start out with a great nest-warming gift - 5,000 Membership Rewards® points the first time you use the Card, which can be redeemed for a $50 gift card.**
| Credit Needed |
Issuing Bank |
Type |
Intro Apr |
Intro Period |
Regular Apr |
Annual Fee |
Balance Transfers |
Balance Transfer Apr |
Balance Transfer Intro Period |
| Good Credit* |
American Express |
American Express* |
0.00%* |
N/A* |
9.99%* |
$0.00* |
Yes* |
0.00%* |
N/A* |
- No Pre-Set Spending Limit.*
- No annual fee for the first year - A $35 savings*
- Never pay interest on new purchses*
- Get $50 after your first purchase.*
- Express Approval. Get a decision in less than 60 seconds.*
- Earn a comptitive Annual Percentage Yield (APY), currently 4.50%.*
- The Savings Accelerator Plan contributes 3.5% of eligible purchases into an FDIC insured High Yield Savings Account in your name.*
| Credit Needed |
Issuing Bank |
Type |
Intro Apr |
Intro Period |
Regular Apr |
Annual Fee |
Balance Transfers |
Balance Transfer Apr |
Balance Transfer Intro Period |
| Good Credit* |
American Express |
American Express* |
0.00%* |
N/A* |
12.49%* |
$35.00* |
Yes* |
0.00%* |
N/A* |
- Your rewards options are endless*
- No annual fee and the flexibility to pay over time.*
- Introductory 0% Annual Percentage Rate (APR) for Cash Advance Checks and Balance Transfers through your first twelve billing cycles.*
- Identity theft recovery and absolute fraud protection.*
| Credit Needed |
Issuing Bank |
Type |
Intro Apr |
Intro Period |
Regular Apr |
Annual Fee |
Balance Transfers |
Balance Transfer Apr |
Balance Transfer Intro Period |
| Excellent Credit* |
Bank of America |
American Express* |
0.00%* |
12 months* |
9.90%* |
$0.00* |
Yes* |
0.00%* |
12 months* |
- 8,000 Points awarded after 1st purchase*
- 2 points for every $1 on net retail purchases*
- No Annual Fee*
- Earn 15 points for every dollar spent at Choice Privileges locations throughout the U.S., Canada, & Mexico, including Comfort Inn, Comfort Suites, Quality, Sleep Inn, Clarion and MainStay Suites*
- Total Security Protection*
| Credit Needed |
Issuing Bank |
Type |
Intro Apr |
Intro Period |
Regular Apr |
Annual Fee |
Balance Transfers |
Balance Transfer Apr |
Balance Transfer Intro Period |
| Excellent Credit* |
Bank of America |
Visa* |
1.90%* |
6 months* |
9.99%* |
$0.00* |
Yes* |
0.00%* |
N/A* |
- Up to 5% Cash Back with Unlimited Cash Rewards*
- Earn unlimited cash back*
- Low balance transfer rate — 4.99% fixed APR for the life of the balance*
- No Annual Fee*
- "Best Cash-Rebate Card", by Kiplingers Personal Finance*
- 0% Intro APR for 6 months on purchases*
- Express Approval. Get a decision in less than 60 seconds.*
| Credit Needed |
Issuing Bank |
Type |
Intro Apr |
Intro Period |
Regular Apr |
Annual Fee |
Balance Transfers |
Balance Transfer Apr |
Balance Transfer Intro Period |
| Excellent Credit* |
American Express |
American Express* |
0.00%* |
6 months* |
10.99%* |
$0.00* |
Yes* |
4.99%* |
Submit with application* |
- No pre-set spending limit*
- No annual fee for the first year - $95 Thereafter*
- Earn 5,000 Membership Rewards bonus points after your first purchase with the card - redeemable for a $50 gift card!*
- The Membership Rewards program also lets you transfer points to 11 frequent flyer programs: 1 point = 1 frequent flyer mile or frequent guest credit for most programs*
- Purchase Protection Plan protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase.*
- Many other travel and shopping benefits*
- Express Approval. Get a decision in less than 60 seconds.*
- No pre-set spending limit*
- No annual fee for the first year - $125 Thereafter*
- The Membership Rewards program - Earn 1 Membership Rewards point for virtually every dollar you spend. You can redeem points for your choice of truly exceptional travel, shopping, and entertainment rewards.*
- Earn 10,000 Membership Rewards bonus points after first purchase with the card - redeemable for a $100 giftcard!*
- Global Assist Plus Hotline and many more benefits included.*
- Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.*
- Express Approval. Get a decision in less than 60 seconds.*
- Exclusive Welcome Gift: Plan every detail of your wedding with The Knot Wedding Planning Kit, including The Knot wedding binder, where you can manage wedding ideas, budgets, guest lists, to-do's and more.*
- Track all of your wedding - related expenses with the Card on one monthly statement.*
- No annual fee. Pay over time or in full.*
- Earn an additional 10,000 bonus points when you spend over $15,000 on the Card annually.*
- Start out with a great wedding gift - 5,000 Membership Rewards points the first time you use the Card, which can be redeemed for a $50 gift card.*
| Credit Needed |
Issuing Bank |
Type |
Intro Apr |
Intro Period |
Regular Apr |
Annual Fee |
Balance Transfers |
Balance Transfer Apr |
Balance Transfer Intro Period |
| Good Credit* |
American Express |
American Express* |
0.00%* |
N/A* |
9.99%* |
$0.00* |
Yes* |
0.00%* |
N/A* |
- 0% Intro APR for 6 months on Purchases, and 12 months on Balance Tranfers*
- 5% Cashback Bonus in categories like travel, home, apparel, gas, restaurants, movies and more*
- 5% to 20% at top retailers through our exclusive online shopping site*
- Up to 1% unlimited Cashback Bonus on all other purchases*
- Easy online account management tools*
- No annual fee*
| Credit Needed |
Issuing Bank |
Type |
Intro Apr |
Intro Period |
Regular Apr |
Annual Fee |
Balance Transfers |
Balance Transfer Apr |
Balance Transfer Intro Period |
| Excellent Credit* |
Discover |
Discover* |
0.00%* |
6 months* |
10.99%* |
$0.00* |
Yes* |
0.00%* |
12 months* |
- 5% to 20% Cashback Bonus at top online retailers through our exclusive online site*
- 3.9% Intro APR for 6 months on Purchases, and 12 months on Balance Tranfers*
- Up to 1% Cashback Bonus on all other purchases*
- Get a Pay-On-Time Bonus equal to a full month's interest every time you make 6 on-time payments in a row - twice a year, every year*
- Unlimited cash rewards that never expire*
| Credit Needed |
Issuing Bank |
Type |
Intro Apr |
Intro Period |
Regular Apr |
Annual Fee |
Balance Transfers |
Balance Transfer Apr |
Balance Transfer Intro Period |
| Good Credit* |
Discover |
Discover* |
3.90%* |
6 months* |
10.99%* |
$0.00* |
Yes* |
3.90%* |
12 months* |
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Low Interest Credit Cards, for people with excellent credit, provide great service and rewards programs. If you have excellent credit you can use many of these credit card accounts to carry higher balances at lower cost by doing a credit card balance transfer from your high balance high interest rate accounts. When you apply for a credit card, ask about any 0 apr credit cards for balance transfers.
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