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Low Interest Credit Card Offers

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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

| Cards for Consumer | Cards for Student | Cards for Business |

Credit Card Offers Found: 6

Blue from American Express®

Good Credit*

Most Attractive:	Access to Membership Rewards Express(SM) program; various benefits and services available to cardholders; introductory rate; no annual fee.
Special Offer:	0% for 15 months and is applied to Purchases.

(American Express)

0% APR on purchases for up to 15 months
Low Balance Transfer APR - 4.99% Fixed APR for the life of the balance
No Annual Fee
Membership Rewards Express SM Program
Blue is Your Launch Pad to Standout Shopping and Entertainment Rewards and One-of-a-Kind Experiences
Benefit Rating:

0% Intro APR on Purchases for 15 months
10.24% Regular Variable APR for Purchases
20.24% Regular Variable APR for Cash Advances

Points per Dollar: 1.00 Point
Bonus on First Purchase: n/a
20 days Grace Period

(* 4.99% Fixed APR for the life of the balance)

Important Notes:

Estimate Reward Earnings

Card is currently unavailable to residents of Puerto Rico.
The APR for purchases varies according to the applicant's credit history and will be 3.99%, 5.99%, 8.99% or 10.99% + Prime Rate.
See website for complete terms and conditions of card usage and application disclosure.

Chase Platinum Visa®

Good Credit*

Most Attractive:	0% introductory rate; no annual fee; access to free rewards program.
Special Offer:	0% for 12 months and is applied to Purchases, Balance Transfers.

(Visa)

0% Intro APR for Up To 12 Months on Purchases and Balance Transfers
No Annual Fee
FREE Online Account Access
FREE Travel Services
Benefit Rating:

0% Intro APR on Purchases, Balance Transfers for 12 months
10.99% Regular Variable APR for Purchases
20.99% Regular Variable APR for Cash Advances

Bonus on First Purchase: n/a
20 days Grace Period

(* 0% Intro APR for Up To 12 Months on Purchases and Balance Transfers)

Important Notes:

Estimate Reward Earnings

The APR for purchases varies according to the applicant's credit history and will be 5.99%, 9.99% or 14.99% + Prime Rate.
See website for complete terms and conditions of card usage and application disclosure.

MERRILL+® Visa® Credit Card

Good Credit*

Most Attractive:	Very low fixed APR for purchases and balance transfers; no annual fee; access to reward program.
Special Offer:	1.9% for 12 months and is applied to Balance Transfers.

(Visa)

Intro Fixed 1.9% APR on Balance Transfers and Cash Advance for the First 12 Billing Cycles
Low 9.99% APR
No annual fee
Anytime, Anywhere, Any AirlineSM - air rewards starting at 25,000 points, with no blackout dates
Earn 1 point for every $1 spent on net retail purchases and accrue unlimited Merrill Points
Credit line may be as high as $250,000
Zero liability protection and early fraud warning
Benefit Rating:

1.9% Intro APR on Balance Transfers for 12 Months
9.99% Regular Fixed APR for Purchases
9.99% Regular Fixed APR for Cash Advances

Points per Dollar: 1.00 Point
25 Days (Min.) Grace Period

(* The introductory rate is also available for cash advance checks.)

Important Notes:

Estimate Reward Earnings

See website for complete terms and conditions of card usage and application disclosure.

Capital One® Platinum Prestige

Excellent Credit*

Most Attractive:	No annual fee; very low interest rate.
Special Offer:	A low 7.9% APR on purchases and balance transfers

(MasterCard)

Click here to apply for Capital One® Platinum Prestige

Rest easy with an outstanding, low variable rate - for customers with excellent credit
A low 7.9% APR on purchases and balance transfers
Your APR will not increase simply because you pay late only once or go over your credit limit
No annual fee and no balance transfer fees
$100,000 Worldwide Automatic Travel Accident Insurance
Emergency card replacement or cash advance if your card is lost or stolen
Benefit Rating:

n/a Intro APR (* see notes for more APR details)
7.9% Regular Fixed APR for Purchases
22.9% Regular Fixed APR for Cash Advances

25 days Grace Period

Important Notes:

See website for complete terms and conditions of card usage and application disclosure.

Citi® Platinum Select® Card®

Good Credit*

Most Attractive:	0% introductory rate; no annual fee.
Special Offer:	0% for 12 months and is applied to Purchases.

(MasterCard)

Click here to apply for Citi® Platinum Select® Card®

0% APR on balance transfers and purchases for up to 12 months
No Annual Fee
Citi® Identity Theft Solutions
$0 Liability on unauthorized purchases
Secure, Free Online Account Management
Benefit Rating:

0% Intro APR on Purchases, Balance Transfers for Up to 12 months
as low as 8.49% Regular Variable APR for Purchases
19.99% Regular Variable APR for Cash Advances

Bonus on First Purchase: n/a
25 days Grace Period

(* 0% APR on balance transfers and purchases for up to 12 months)

Important Notes:

See website for complete terms and conditions of card usage and application disclosure.

Total MerrillSM Cash Back Visa® Credit Card

Excellent Credit*

Most Attractive:	Low 9.99% APR for Retail Purchases
Special Offer:	0% Intro APR for balance transfers and cash advance for first 12 billing cycles

(Visa)

Low 9.99% APR for Retail Purchases
No Annual Fee
1% Cash Back on Virtually All Purchases
Unlimited Cash Back on qualifying purchases
Credit Line may be as high as $250,000
Cash Back Rewards Can be Deposited Directly into Your Merrill Lynch Account
Card issued by FIA Card Services, NA
Benefit Rating:

1.9% Intro APR on Balance Transfers for 12 Billing Cycles
9.99% Regular Fixed APR for Purchases
9.99% Regular Fixed APR for Cash Advances

Rebate Amount: Up to 1%
Rebates per Dollar: 1.00 Rebate
Bonus on First Purchase: 1% Cash Back
25 days Grace Period

(* 0% Intro APR for balance transfers and cash advance for first 12 billing cycles)

Important Notes:

Estimate Reward Earnings

See website for complete terms and conditions of card usage and application disclosure.

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.