Targeted towards those who routinely carry a balance on their cards from month to month, a low interest card can produce some significant savings. Most consumers can drop their interest rate 5% or more. This directly relates to a savings of $50 dollars per year per thousand dollars of balance. A substantial amount for a small investment of time. Please select from the following Low Interest cards:
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Official Name, Features, Rates and Fees |
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Citi® Platinum Select® MasterCard®
0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.*
Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
Citi® Identity Theft Solutions
No annual fee*
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| $0* |
Very Good |
0* |
18 Mo. on balance transfers and purchases* |
11.99%-21.99%* (Variable) |
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Blue Cash EverydaySM from American Express
Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
0% intro APR on purchases for 12 months, flexibility to pay over time
Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
No spend minimum, No enrollment, and No rotating rewards categories
Get a $25 Referral Bonus for each friend or family member who is approved for the Card
No annual fee, flexibility to pay over time
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| $0* |
Very Good |
0 on Purchases |
for 12 Mo. |
17.24%-22.24% Variable |
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Citi Simplicity® Card
0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
Peace of mind through direct access to a service representative, no late fees and no penalty rate
No annual fee
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| $0* |
Excellent |
0* |
18 Mo. on balance transfers and purchases* |
12.99% - 21.99%* (Variable) |
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Citi Forward® Card
$100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable
5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
APR reduction on purchases when using credit wisely
No Annual Fee*
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| $0* |
Very Good |
0* |
12 Mo. on balance transfers* |
12.99%-22.99%* (Variable) |
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Citi Forward® Card
5 ThankYou points for every $1 you spend on restaurants and entertainment. 1 reward point for every $1 you spend on other purchases
Up to a 2% purchase APR reduction when you make a purchase, stay under your credit limit and pay on time 3 billing periods in a row
Earn 1,000 bonus points when you sign up for Paperless Statements
No Annual Fee*
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| $0* |
Very Good |
0* |
12 Mo. on balance transfers* |
12.99%-21.99%* (Variable) |
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Chase Sapphire® Card
Limited Time Offer - Earn 25,000 bonus points after you spend $3,000 in the first 3 months - that's $250 toward a flight or any other reward!
2 points per dollar spend on dining & 1 point per dollar spent on all other purchases.
Points never expire and there are no limits on how many points you can earn
Redeem points for travel, gift cards, merchandise, cash back and more
24/7 direct access to expert service advisors (No voice recording)
No annual fee!
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| $0* |
Excellent |
n/a* |
n/a* |
15.24% *(Variable) |
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Citi® Diamond Preferred® Card
0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.*
24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®
$0 liability on unauthorized purchases and Citi® Identity Theft Solutions
No annual fee*
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| $0* |
Very Good |
0* |
18 Mo. on balance transfers and purchases* |
11.99%-21.99%* (Variable) |
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Discover® More® Card - Balance Transfer Fee*
0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
Discover is ranked #1 in customer loyalty--15 years in row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
$0 Fraud Liability plus automatic mobile and email fraud alert options
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| $0* |
Very Good |
0* |
18 Mo. on Balance Transfers; 6 on Purchases* |
10.99% - 20.99% (Variable)* |
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Blue Sky from American ExpressSM
No annual fee
Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel- anytime
Pay your bill all at once, or over time. It's up to you.
Blue Savings Program®: big deals on big brands, all the time
Rated "Best Airline Credit Card" by Card Ratings Consumer's Choice Awards in 2010
Get approved in 60-seconds
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| $0* |
Good |
0 on Purchases |
for 12 Mo. |
17.24%-22.24% Variable |
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Chase Sapphire® Preferred Card
Limited Time Offer - Earn 50,000 bonus points after you spend $3,000 in the first 3 months- that's $625 toward travel!
2 points per dollar spent on travel and dining & 1 point per dollar spent on all other purchases.
Use 20% fewer points when you redeem for travel. Just book your flight, cruise, or other travel through Ultimate RewardsSM
No foreign transaction fees
Earn a 7% annual points dividend - even on points already redeemed
Transfer points you've earned to participating frequent traveler programs at a 1:1 value
24/7 direct access to expert service advisors (No voice recording)
No Annual Fee for your first year - A $95 value
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| $95, waived first year |
Excellent |
n/a* |
n/a* |
15.24% *(Variable) |
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Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back
$100 cash back after $500 in purchases within the first 3 months of account opening
0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment.
Each quarter, you can enroll to earn additional cash back in popular categories.
Full 1% cash back on all other purchases and eligible cash advances.
No annual fee*
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| $0* |
Very Good |
0* |
12 Mo. on balance transfers and purchases* |
12.99%-22.99%* (Variable) |
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Discover® More® Card
0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%*
5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
$0 Fraud Liability plus automatic mobile and email fraud alert options
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| $0* |
Excellent |
0* |
15 Mo. on purchases & balance transfers* |
10.99% - 20.99% (Variable)* |
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* See the online credit card application and web site for specific terms and conditions of any offer.
Reasonable efforts are made to maintain the accuracy of the information presented on this website.
All information is presented without warranty. You can click on the "CLICK TO APPLY" graphic to examine the credit card terms and conditions directly on the credit card issuer's web site.
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