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 for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate* Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more Citi® Identity Theft Solutions Secure, free online account management No annual fee
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| None |
Very Good |
0 |
12 Mo. on Purchases* |
11.99% - 19.99%* (Variable) |
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Blue Cash(R) from American Express
0% intro APR on purchases for 6 months and no annual fee Flexibility to pay over time Get up to 5% cash back on everyday purchases at supermarkets, gas stations and drug stores Receive your cash back automatically as a statement credit
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| No |
Very Good |
See Terms* |
See Terms* |
17.24%-21.24% Variable |
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Citi Forward® Card
Earn up to 8,500 bonus points after you sign up for paperless statements and make $250 in purchases within the first 3 months of account opening. 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 line and pay on time 3 billing periods in a row. No annual fee
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| None |
Very Good |
0 if you qua |
7 Mo. on Purchases* |
12.99% - 19.99%* (Variable) |
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Chase Sapphire(SM)
Earn $100 in rewards - that's 10,000 bonus points after your first purchase! Redeem points for travel, gift cards, merchandise, cash back and more 2X points earned on airfare booked through Ultimate Rewards & 1 point for every dollar spent on all other purchases Points never expire and there are no limits on how many points you can earn 24/7 Dedicated service advisors (No voice recording) Premier travel and purchase protection benefits All of this for no annual fee!
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| None |
Excellent |
n/a |
n/a |
12.24% Variable* |
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Citi® Diamond Preferred® Card
0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 14.99%. This APR will vary with the market based on the Prime Rate. Concierge service that caters to your needs 24/7 Citi® Identity Theft Solutions Secure, free online account management No annual fee*
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| None |
Very Good |
0 |
12 Mo.* |
14.99%* (Variable) |
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Discover® More Card- Black
0% intro APR on balance transfers for a full 12 months, then the Regular APR 0% intro APR on purchases for a full 9 months, then the Regular APR 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more Up to 1% unlimited Cashback Bonus on all other purchases No Annual Fee
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| None |
Very Good |
0* |
9 Mo.* |
11.99% - 20.99% (Variable)* |
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Citi® Diamond Preferred® Rewards Card
$50 gift card - Redeem 6,000 bonus points after $300 in purchases within 3 months of account opening 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-20.99% based on creditworthiness*. This APR will vary with the market based on the Prime Rate. 5 ThankYou® Points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months, 1 ThankYou Point thereafter** Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more No annual fee
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| None |
Very Good |
0 |
12 Mo.* |
12.99% - 20.99%* (Variable) |
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Blue Sky from American Express(R)
0% intro APR on purchases for 6 months and no annual fee Flexibility to pay over time Turn purchases into free travel: Enjoy travel rewards with no travel restrictions or blackout dates - get points for flights on any airline, stays at any hotel, and car rentals with any company
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| No |
Good |
See Terms* |
See Terms* |
17.24%-21.24% Variable |
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Chase Sapphire Preferred Card
Earn a FREE FLIGHT - that's 25,000 bonus points after you spend $3,000 in the first 3 months! 2X points earned on all airfare booked through Ultimate Rewards & 1 point for every dollar spent on all other purchases Fly on leading airlines anytime. There are no travel restrictions or blackout dates and points never expire. Points are worth 25% more when you redeem for travel through Ultimate Rewards 7% annual points dividend - earn bonus points on your points 1:1 points transfer to leading airline and hotel programs 24/7 Dedicated expert service advisors (No voice recording) No Annual Fee for your first year - An $85 value
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| See Terms* |
Excellent |
n/a |
n/a |
12.24% Variable* |
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Citi® Dividend Platinum Select® MasterCard®
0% Intro APR on Balance Transfers for 15 months. After that, the APR will be 12.99%-20.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate. Earn 5% cash back at restaurants and on car rentals and hotels from 7/1/10 to 9/30/10. Enrollment required each quarter. Full 1% cash back on eligible purchases and cash advances. Earn extra cash back on popular, rotating categories each quarter. Average 5% additional cash back through Citi Bonus Cash Center® No Annual Fee
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| None |
Very Good |
n/a |
n/a |
12.99% - 20.99%* (Variable) |
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Discover® More Card - $75 Cashback Bonus
0% intro APR on balance transfers for a full 12 months, then the Regular APR 0% intro APR on purchases for a full 6 months, then the Regular APR Get $75 Cashback Bonus when you make $500 in purchases within 3 months 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more Up to 1% unlimited Cashback Bonus on all other purchases No Annual Fee
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| None |
Excellent |
0* |
6 Mo.* |
11.99% - 20.99% (Variable)* |
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PenFed Promise VISA Card
Absolutely No Fees! Introductory Purchase Rate – 7.49% APR for the first 36 months. Afterwards, the APR will vary with the Prime Rate and is currently 9.99% APR. No Balance Transfer Fees – Good till June 30, 2010 No Foreign Transaction Fees! Some restrictions apply. You must be a Pentagon Federal Credit Union member to apply. Not a member? It’s easy to join. Click here to learn more.
| Annual Fee |
Credit Level |
Intro Rate |
Intro Length |
Normal Rate |
| None |
Good |
7.49 |
36 Mo. |
9.99% |
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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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