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| Credit Card Offers » Apply for a Credit Card » Cards by Category » Low Interest Credit Cards |
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Low Interest Credit Card Offers for Student |
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| Low interest credit cards can be a powerful asset to have in your financial tool-belt. Low interest credit cards can make significant amounts of money available to average consumers without charging and arm and a leg for it, making it easier for you to manage your finances without incurring debt in the process. Low interest credit cards are a great way to save money on whatever it is you're buying, whether you using it to purchase day-to-day necessities, or more expensive items. When you're paying for a lower interest rate on low interest credit cards, you're paying less, period. |
- Save money on all financed purchases with low interest credit cards
- Pay off purchases in a shorter amount of time while making lower payments
- Make sure low interest credit cards you apply for are permanently low interest; and not just an introductory offer
- Low interest credit cards can act like a personal loan for larger purchases
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| Cards for Consumer | Cards for Student | Cards for Business | |
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| Credit Card Offers Found: 5 |
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| Most Attractive: |
Common platinum benefits. |
| Special Offer: |
A 0% intro rate is available on purchases until December 2008 |
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(MasterCard)
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- 0% APR on purchases until December 2008. After that, variable APR, currently 19.55%
- No annual fee or balance transfer fees
- A manageable credit line to help control your finances
- $0 fraud liability if your card gets lost or stolen
- Online account services
- Benefit Rating:
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0% Intro APR on Purchases for until December 2008
19.55% Regular Variable APR for Purchases
22.65% Regular Variable APR for Cash Advances |
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Bonus on First Purchase: n/a
25 days Grace Period |
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(* A 0% introductory rate is available on purchases until December 2008) |
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| Important Notes: |
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See website for complete terms and conditions of card usage and application disclosure.
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| Most Attractive: |
0% introductory rate for all transactions; student-related discounts; no annual fee; additional points earned for maintaining good grades and paying in a timely manner. |
| Special Offer: |
0% for 6 months and is applied to Purchases, Balance Transfers, Cash Advances. |
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(Visa)
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- 0% APR for 6 months on purchases, cash advances and balance transfers
- No Annual Fee
- Earn 5 ThankYou Points® for every dollar you spend at restaurants, bookstores, record stores, movie theaters and video rentals stores.
- Earn 1 ThankYou Point for every dollar you spend on all other purchases.
- Earn 25 ThankYou Points for paying on time.
- Earn 250-2000 ThankYou Points twice a year for maintaining a good GPA.
- Redeem points for gift cards, MTV events, and airline tickets.
- No balance transfer fee with this offer
- Benefit Rating:
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0% Intro APR on Purchases, Balance Transfers for 6 months
13.99% Regular Variable APR for Purchases
19.99% Regular Variable APR for Cash Advances |
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Points per Dollar: 1.00 Point
Bonus on First Purchase: n/a
20 days Grace Period |
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(* 0% APR for 6 months on purchases, cash advances and balance transfers) |
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No minimum income or co-signer required to activate an account.
See website for complete terms and conditions of card usage and application disclosure. |
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| Most Attractive: |
Common platinum benefits; reward program. |
| Special Offer: |
0% APR on purchases until until December 2008 |
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(MasterCard)
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- If you have a limited credit history or past credit problems, this cash rewards card is for you
- 0% APR on purchases until December 2008. After that, variable APR, currently 16.65%
- 25% annual bonus on the cash you earn during the year
- 1% cash back on purchases you make from day one
- No limit on cash back and rewards won’t expire for the life of your account
- Benefit Rating:
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0% Intro APR on Purchases for until December 2008
16.65% Regular Variable APR for Purchases
22.65% Regular Variable APR for Cash Advances |
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Rebate Amount: Up to 25%
$29 Annual Fee
25 days Grace Period |
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(* A 0% intro rate is available on purchases until December 2008) |
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See website for complete terms and conditions of card usage and application disclosure.
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| Most Attractive: |
0% APR for up to 6 months, No Annual Fee. |
| Special Offer: |
0% Intro APR on all purchases and balance transfers for up to 6 months |
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(MasterCard)
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- 0% Intro APR for 6 months
- No Annual Fee
- Get Karma Points to use in the +1 Store
- Share points with friends, give points to support causes
- Share points with friends, give points to support causes
- Benefit Rating:
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0% Intro APR on Purchases, Balance Transfers for 6 Months
14.99% Regular Variable APR for Purchases
20.99% Regular Variable APR for Cash Advances |
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Points per Dollar: 1.00 Point
20 days Grace Period |
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(* 0% Intro APR on all purchases and balance transfers for up to 6 months) |
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The following APRs may vary monthly based on the Prime Rate:
Purchase and Balance Transfer APR: The Prime Rate plus, as applicable, 9.99% or 14.99% for outstanding and new balances after the introductory period.
Cash Advance APR: The Prime Rate plus 15.99%.
Default APR: The Prime Rate plus up to 23.99%. |
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| Most Attractive: |
No annual fee; access to rebate program; 0% introductory rate for all transactions. |
| Special Offer: |
0% for 6 months and is applied to Purchases, Balance Transfers, Cash Advances. |
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(Visa)
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- 0% APR for 6 months on purchases, cash advances and balance transfers
- No Annual Fee
- Earn 3% rebates on purchases made at supermarkets, drug stores and gas stations
- Earn 1% rebates on other purchases
- Redeem up to $5,000 on the next vehicle, new or used
- Build your credit history
- Earn money for the miles you drive!
- No minimum income or co-signer required
- Benefit Rating:
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0% Intro APR on Purchases, Balance Transfers for 6 months
14.99% Regular Variable APR for Purchases
19.99% Regular Variable APR for Cash Advances |
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Rebate Amount: Up to 3%
Bonus on First Purchase: n/a
20 days Grace Period |
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(* 0% APR for 6 months on purchases, cash advances and balance transfers) |
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See website for complete terms and conditions of card usage and application disclosure. |
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Most Americans have some debt. It has become a relatively normal part of the modern lifestyle. But all debts aren't made equal. The difference between debt carried on low interest credit cards and debt carried on a higher interest credit card can mean the difference between paying that debt off, or carrying it with you for the rest of your life.
It isn't the initial principal (the original money borrowed on your card) that can take people such a long time to pay off-it's the interest that you pay on that principle. The higher the interest rate, the longer you'll be paying off your principal, and the more money you'll spend doing it. It's a strong argument for low interest credit cards. With low interest credit cards, more of the money you put into your credit card payments will go toward paying off your principle. Low interest credit cards let you spend less of your money on unnecessarily high interest rates, so you'll be able to pay your principle off sooner.
If you have good credit, there is no reason not to shop around and find the low interest credit cards with the best rates and features. There are lots of low interest credit cards available from many different institutions, so doing a little research will work strongly in your favor. The most important thing to remember about shopping around for low interest credit cards, though, is to really read the fine print. Lots of cards might claim to be low interest credit cards, while in fact they are simply advertising a low introductory interest rate that will shoot up the second your introductory period is over. Don't let yourself get tricked into a bad interest rate, just because it looks good at first. All of those numbers and decimal points in the terms and conditions might be difficult to read, but they decide whether your money ends up with the credit card company, or stays in your pocket.
If you already have a fair amount of debt that you're carrying on a credit card with a high interest rate, there's no law that says you have to keep on throwing your money away on interest payments. If you have good credit, frequently you can apply for low interest credit cards with superior interest rates, and transfer the balance of your old card onto your new one. Ideally, you would be able to find low interest credit cards that either offer a very low interest rate, or that will allow you an introductory period during which they won't apply any interest at all. These low interest cards would give you time to start paying off the principal without incurring any additional interest for a period. Again, though, the most important thing is to make sure that at the end of your introductory period, the rates on the low interest credit cards you're looking at still work in your favor. You should never move your debt from one high interest card to a higher interest card.
Low interest credit cards can give you all kinds of financial freedom. For instance, if you have low interest cards with very low rates, and are thinking about taking out a small loan in order to make a large purchase, like a new car, you might consider putting that large purchase on your low interest credit cards. If the interest rates on your low interest credit cards are lower than the interest on the loans you could take out from another institution, and you know that you have the financial stability necessary in order to make your payments on time, it just makes sense. Low interest credit cards give you the ability to make the best financial choices for your lifestyle. |
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