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Low Interest Credit Card Offers
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Best Credit Cards from Credit-Land.com Credit Recommended: Excellent / Good
Best Credit Cards from Credit-Land.com Credit Recommended: Excellent / Good
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Applied Bank® Secured Visa® Gold Preferred® Credit Card Credit Recommended: Poor/Fair/Limited/Damaged
PURCHASES:
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FEES:
Applied Bank® Secured Visa® Gold Preferred® Credit Card Credit Recommended: Poor/Fair/Limited/Damaged
Card details:
Better than Prepaid…Go with a Secured Card! Load One Time - Keep On UsingAbsolutely No Credit Check or Minimum Credit Score RequiredAutomatic Reporting to All Three National Credit Bureaus Show MoreClick apply button to get redirected to the bank’s secure application page
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Next Millennium Credit Recommended: Bad/No
PURCHASES:
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FEES:
Next Millennium Credit Recommended: Bad/No
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First Progress Platinum Prestige Mastercard® Secured Credit Card Credit Recommended: Poor/Limited/No Credit
PURCHASES:
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FEES:
First Progress Platinum Prestige Mastercard® Secured Credit Card Credit Recommended: Poor/Limited/No Credit
Card details:
1% Cash Back Rewards on paymentsChoose your own credit line - $200 to $2000 – based on your security depositBuild your credit score.1 Reports to all 3 credit bureaus Show MorePay Balances Faster With Low Interest Rate Credit Cards
It isn't the initial principal (the original money borrowed on your card) that takes people years to pay off - it's the interest that accrues on top of that principal. The higher the interest rate, the longer you'll be paying off your principal, and the more money you'll spend doing it. Essentially, the longer it takes you to pay off a purchase you made on a card, the more that item is going to cost you in the end.
However, when you know that your credit card balance will be rolling over from one billing cycle to the next, considering low interest credit card offers can be the best thing for you and your wallet. When you have a card with a low APR, a bigger portion of your credit card payments will go toward paying down your principal, as opposed to the interest that is accruing on the balance. Thus, such cards allow you to pay off your balance faster.
Frequently Asked Questions:
When you want to lower the interest rate on your credit card, you can contact your credit card issuer and ask them to lower your interest rate. Most banks will approve your request provided your credit account is in good standing and you don’t have late fees. Another way to lower your interest rate is to transfer your card balance on a new credit card with lower rate. Before you do it, make sure the new card is indeed a better deal.
APR or Annual Percentage Rate is the yearly interest rate on your credit card. The banks distinguish introductory, ongoing, fixed and variable APRs; APR on purchases, cash advance APR, penalty APR and so on and so forth. Many credit cards have a grace period for new purchases. If you make purchases and pay the card balance off by the due date, you won’t be charged the interest. To find out what your interest rate on a credit card will be, look at the credit card offer. You will see one particular APR or a range of APRs. If you see the range of interest rates, your APR will be determined by a credit card issuer based on your creditworthiness and after you submit your application.
Credit cards can come with interest rates below 19.99% and with 0% introductory APRs. An introductory period with a 0% intro APR varies from bank to bank but as a rule it is not less than six months. You can find a credit card with 0% intro APR for a year or more provided your credit is good enough to qualify. If credit card doesn’t have a 0% introductory APR your interest rate will be determined based on your credit score and creditworthiness.
The interest rate can be 0% but only as a promotional offer and for a certain period of time. People with excellent credit can get interest rate as low as below 10%. However, every cardholder can avoid interest payments if they pay off the card balance in full each month. Today almost every credit card has a grace period of at least 21 days during which you can pay off your credit card bill without having to pay interest. The grace period applies to new purchases only.
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