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Best Low Interest Credit Card Offers

Low Interest Credit Card Applications


Low interest credit cards with a low ongoing APR are particularly suited for people who carry a balance month to month. The low interest cards on our page offer some of the lowest ongoing interest rates for purchases and balance transfers. Many have 0 interest Annual Percentage Rates or APR for up to 15 months. These also include no annual fees and cash back with rewards. Scroll down and select the best low interest card for you and be approved in seconds. Apply Now!


Discover® More® Card


Discover® More® Card
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  • 0% APR on Balance Transfers for a FULL 12 months
  • 0% APR on Purchases for a FULL 6 months
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
  • Up to 1% unlimited Cashback Bonus on all other purchases automatically
  • Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
  • Instant Response within 60 seconds
  • No Annual Fee

Intro
APR
Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%6 Monthsas low as 11.99% VariableNone0%Excellent


Slate(SM) from Chase


Slate(SM) from Chase
Apply Now

  • 0% Intro APR for up to 12 months
  • No Annual Fee
  • Pay down balances on your terms with Blueprint(SM)
  • Zero Liability on unauthorized purchases
  • E-mail and text alerts

Intro
APR
Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%up to 12 MonthsAs low as 13.24% VariableNone0%Good


Discover® More®Card - $50 Cashback Bonus®


Discover® More®Card - $50 Cashback Bonus®
Apply Now

  • 0% APR on Balance Transfers for a FULL 12 months
  • 0% APR on Purchases for a FULL 6 months
  • Get $50 Cashback Bonus after your first $599 in purchases
  • 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants and more
  • Up to 1% unlimited Cashback Bonus on all other purchases automatically
  • Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
  • Instant Response within 60 seconds
  • No Annual Fee

Intro
APR
Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%6 monthsas low as 12.99% VariableNone0%Excellent


Chase Freedom(SM)


Chase Freedom(SM)
Apply Now

  • 3% bonus cash back offers in popular, rotating categories like gas, home improvement and department stores
  • Full 1% Cash Back on everything else - no spending tiers or caps on how much you can earn
  • Up to an additional 20% cash back at select merchants when you shop online through Chase
  • 0% Intro APR and No Annual Fee

Intro
APR
Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%up to 6 months on PurchasesAs low as 12.99% VariableNone0%Good


Discover® Open Road(SM) Card


Discover® Open Road(SM) Card
Apply Now

  • Double Cashback Bonus automatically on your first $250 in purchases each month at any gas station and any restaurant.
  • 5% to 20% Cashback Bonus at over 100 top retailers through our exclusive online shopping mall, ShopDiscover(SM)
  • Up to 1% unlimited Cashback Bonus on all other purchases automatically
  • Flexible redemption options: choose from Partner gift cards, merchandise, Discover® gift cards, credit to your Discover card account or an electronic deposit to your bank account
  • Turn your Cashback Bonus into bigger rewards by redeeming for gift cards or eCertificates from over 100 brand-name Partners such as Bed, Bath & Beyond®, Red Lobster® and Lands' End®.


Intro
APR
Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%6 Monthsas low as 11.99% VariableNone0%Good


Blue from American Express(R)


Blue from American Express(R)
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  • 0% Intro APR for 6 months on purchases
  • No Annual Fee
  • Earn Membership Rewards(R) points for your everyday purchases, and enjoy fast and easy ways to earn and redeem so you can get the rewards you want now
  • Express Approval. Get a decision in less than 60 seconds.

Intro
APR
Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
See Terms*See Terms*As Low As 15.24%No Annual FeeSee Terms*Excellent


Discover® More® Card - Monogram


Discover® More® Card - Monogram
Apply Now

  • 0% APR on Balance Transfers and Purchases for a full 6 months
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
  • Up to 1% unlimited Cashback Bonus on all other purchases automatically
  • Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
  • Instant Response within 60 seconds
  • No Annual Fee

Intro
APR
Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%6 Monthsas low as 11.99% VariableNone0%Excellent


Miles by Discover® Card


Miles by Discover® Card
Apply Now

  • 12,000 Bonus Miles – 1,000 Miles each month you make a purchase for the first 12 months
  • Double Miles on up to $3,000 in travel and restaurant purchases each year
  • Book any travel, anytime with no blackout dates or restrictions
  • 1 Mile for every $1 on all your other purchases
  • Unlimited Miles that never expire
  • No Annual Fee
  • Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash starting at just 1,000 Miles


Intro
APR
Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%6 Monthsas low as 11.99% VariableNone0%Good


Blue Cash(R) from American Express


Blue Cash(R) from American Express
Apply Now

  • When you shop with Blue Cash, you can earn up to 5% cash back on every eligible purchase
  • No Annual Fee
  • 0% Intro APR for 6 months on purchases
  • Express Approval. Get a decision in less than 60 seconds.

Intro
APR
Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
See Terms*See Terms*As Low As 17.24%No Annual FeeSee Terms*Excellent


Discover® Motiva(SM) Card


Discover® Motiva(SM) Card
Apply Now

  • Cash Rewards for your good credit management!
  • Get a Pay-On-Time Bonus(SM) equal to a full month’s interest every time you make 6 on-time payments in a row—twice a year, every year
  • 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
  • Up to 1% Cashback Bonus on all other purchases
  • Unlimited cash rewards
  • Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
  • 3.99% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers*


Intro
APR
Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
3.99%6 Monthsas low as 11.99% VariableNone3.99%Good


Simmons First Visa® Platinum


Simmons First Visa® Platinum
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  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 7.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • No Annual Fee

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Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
N/AN/A7.25%NoneN/AExcellent


Visa® Black Card


Visa® Black Card
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  • 24-Hour Concierge Service: Enjoy the personalized assistance of a 24-hour Concierge Service catering to entertainment, travel, business, shopping and lifestyle needs.
  • Exclusive Rewards Program: Receive 1% cash back on all purchases with Black Card’s Exclusive Rewards Program.
  • Travel Redemption: Redeem points at a higher rate for flights on any airline at any time. No blackout dates or advance purchase requirements.
  • Luxury Gifts: Cardmembers receive luxury gifts from some of the world's top brands.
  • Travel Lounge Priority Pass: Complimentary membership which provides access to over 600 lounges in more than 100 countries.
  • Limited Membership: Membership is limited to ensure the highest caliber of personal service is provided to each Cardmember.
  • Black Card Benefits: Cardmembers are eligible for benefits including Worldwide Travel Insurance, Baggage Delay Insurance, Trip Interruption Insurance, Warranty Manager Service and Purchase Security.


Intro
APR
Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
N/AN/A13.24%$4950%Excellent


Simmons First Visa® Platinum Rewards


Simmons First Visa® Platinum Rewards
Apply Now

  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 9.25% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
  • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
  • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
  • No Annual Fee

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Intro
Period
Regular
APR
Annual
Fee
Balance
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Credit
Needed
N/AN/A9.25%NoneN/AExcellent


Platinum Card(R) from American Express


Platinum Card(R) from American Express
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  • Earn 25,000 Membership Rewards(R) bonus points when you spend $1,000 in 3 months - Redeemable for one round-trip domestic airline ticket!
  • 24-hour access to Concierge service for the finest experiences in dining, entertainment, and luxury
  • Fine Hotels & Resorts Program - exclusive amenities at boutique, resort, and luxury hotels around the world
  • By Invitation Only(R)Events - access to exclusive, once-in-a-lifetime events
  • Complimentary Airport Club Access
  • The Membership Rewards First(R) program - Enjoy exclusive access to rewards and experiences featuring luxury retail, lifestyle, and world-class travel

Intro
APR
Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
N/AN/AN/A$450 annual feeN/AExcellent


IBERIABANK Visa® Classic Card


IBERIABANK Visa® Classic Card
Apply Now

  • Variable Rate APR ranging from Prime + 4.00% thru Prime + 10.00% depending on creditworthiness and other factors
  • Purchase and Cash Advance APR's may vary with the market based on the Prime Rate.
  • No annual membership fee
  • Low Introductory APR on balance transfers for the first 6 billing cycles. Applies to balance transfers processed within three months of your account open date
  • 25 day grace period
  • Online access to credit card account information


Intro
APR
Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
N/AN/A7.25% - 13.25%None1.99%Excellent


IBERIABANK Visa® Gold Card


IBERIABANK Visa® Gold Card
Apply Now

  • Variable Rate APR ranging from Prime + 5.00% thru Prime + 11.00% depending on creditworthiness and other factors
  • Purchase and Cash Advance APR's may vary with the market based on the Prime Rate.
  • Earn 1% in cash back credit on all qualifying purchases
  • No limit on cash back; no expiration date on eligibility for accounts in good standing
  • Travel accident coverage up to $500,000
  • No annual membership fee
  • Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.
  • 25 Day grace period
  • Online access to credit card account information


Intro
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Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
N/AN/A8.25% - 14.25%None1.99%Excellent


IBERIABANK Visa® Platinum Card


IBERIABANK Visa® Platinum Card
Apply Now

  • Variable Rate APR ranging from Prime + 5.00% thru Prime + 11.00% depending on creditworthiness and other factors
  • Purchase and Cash Advance APR's may vary with the market based on the Prime Rate.
  • Earn 1 bonus point for every $1 in qualifying net retail purchases
  • Turn your points into hotel, gift, or experience rewards
  • Travel accident coverage up to $1,000,000
  • No annual membership fee
  • Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.
  • 25 day grace period
  • Online access to credit card account information


Intro
APR
Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
N/AN/A8.25% - 14.25%None1.99%Excellent


Chase Sapphire(SM)


Chase Sapphire(SM)
Apply Now

  • 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!

Intro
APR
Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
N/AN/AAs low as 12.24% VariableNoneN/AExcellent


Blue Sky from American Express(R)


Blue Sky from American Express(R)
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  • 0% Intro APR for 6 months on purchases
  • Earn 1 point for every dollar you spend
  • Points good on any airline, hotel, car rental and more.
  • No blackout dates or travel restrictions
  • Express Approval. Get a decision in less than 60 seconds.

Intro
APR
Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
See Terms*See Terms*As Low As 17.24%No Annual FeeSee Terms*Good


Escape by Discover® Card


Escape by Discover® Card
Apply Now

  • 25,000 Bonus Miles – 1,000 Miles each month you make a purchase the first 25 months
  • Unlimited Double Miles on all purchases
  • Book any travel, anytime with no blackout dates or restrictions
  • 2 additional Miles for every $1 you spend through ShopDiscover, our exclusive online shopping site
  • Enhanced travel benefits
  • Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash starting at just 1,000 Miles
  • $60 Annual Fee


Intro
APR
Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%6 monthsas low as 11.99% Variable$600%Excellent


IBERIABANK Visa ® Select Card


IBERIABANK Visa ® Select Card
Apply Now

  • Introductory Rate of 7.50% for 12 months from date opened on Purchases
  • Introductory Rate of 7.50% for the first 12 billing cycles on Balance Transfers. Applies to balance transfers processed within three months of your account open date
  • Low Ongoing Variable Rate APR after introductory period Prime + 4.25%
  • Purchase and Cash Advance APR’s may vary with the market based on the Prime Rate.
  • No transaction fee for balance transfers
  • 25 day grace period
  • Online access to credit card account information


Intro
APR
Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
7.50%12 Months7.50%$457.50%Excellent


Starwood Preferred Guest(R) Credit Card from American Express


Starwood Preferred Guest(R) Credit Card from American Express
Apply Now

  • Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel.
  • Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
  • No annual fee for the first year and $45 thereafter
  • Transfer Starpoints(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
  • Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners
  • Express Approval. Get a decision in less than 60 seconds.

Intro
APR
Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
See Terms*See Terms*15.24%See Terms*See Terms*Excellent


TrueEarnings(R) Card from Costco and American Express


TrueEarnings(R) Card from Costco and American Express
Apply Now

  • Earn cash back on gas and a $25 statement credit with your first purchase made with the Card.
  • Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
  • No Annual Fee with your paid Costco Membership
  • The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
  • No Limit on the Cash Back earned

Intro
APR
Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
See Terms*See Terms*15.24%See Terms*See Terms*Excellent


Bryant State Bank MasterCard®


Bryant State Bank MasterCard®
Apply Now

  • Low Interest Rate of 11.25%*
  • Introductory Balance Transfer Rate
  • No Balance Transfer Fee
  • $0 Fraud Liability
  • 24/7 Online Account Access
  • Emergency Cash Advance & Card Replacement
  • Worldwide Acceptance
  • *See Card Terms and Conditions

Intro
APR
Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
N/AN/A11.25%$203.25% on Balance TransfersGood


Biodegradable Discover® More® Card


Biodegradable Discover® More® Card
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  • Help protect the planet with the new biodegradable Discover Card
  • Card plastic breaks down 99% within five years in landfill conditions
  • 0% APR on Balance Transfers and Purchases for a full 6 months
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
  • Up to 1% unlimited Cashback Bonus on all other purchases automatically
  • Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
  • Instant Response within 60 seconds
  • No Annual Fee

Intro
APR
Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%6 monthsas low as 11.99% VariableNone0%Excellent


Discover® More®Card – Shamrock


Discover® More®Card – Shamrock
Apply Now

  • 0% APR on Purchases for a FULL 9 months
  • 0% APR on Balance Transfers for a FULL 12 months
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
  • Up to 1% unlimited Cashback Bonus on all other purchases automatically
  • Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
  • Instant Response within 60 seconds
  • No Annual Fee

Intro
APR
Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%9 monthsas low as 12.99% VariableNone0%Excellent


Discover® More® Card - Wildlife Collection


Discover® More® Card - Wildlife Collection
Apply Now

  • 0% APR on Balance Transfers and Purchases for a full 6 months
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
  • Up to 1% unlimited Cashback Bonus on all other purchases automatically
  • Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
  • Instant Response within 60 seconds
  • No Annual Fee

Intro
APR
Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%6 Monthsas low as 11.99% VariableNone0%Excellent


Discover® More® Card - American Flag


Discover® More® Card - American Flag
Apply Now

  • 0% APR on Balance Transfers and Purchases for a full 6 months
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
  • Up to 1% unlimited Cashback Bonus on all other purchases automatically
  • Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
  • Instant Response within 60 seconds
  • No Annual Fee

Intro
APR
Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%6 Monthsas low as 11.99% VariableNone0%Excellent


Discover® More® Card – Monogram


Discover® More® Card – Monogram
Apply Now

  • 0% APR on Balance Transfer for a FULL 12 months
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
  • Up to 1% unlimited Cashback Bonus on all other purchases automatically
  • Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
  • Instant Response within 60 seconds
  • No Annual Fee

Intro
APR
Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
2.99%12 monthsas low as 12.99% VariableNone0%Excellent


Discover® More® Card - Sealife Collection


Discover® More® Card - Sealife Collection
Apply Now

  • 0% APR on Balance Transfers and Purchases for a full 6 months
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
  • Up to 1% unlimited Cashback Bonus on all other purchases automatically
  • Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
  • Instant Response within 60 seconds
  • No Annual Fee

Intro
APR
Intro
Period
Regular
APR
Annual
Fee
Balance
Transfer
Credit
Needed
0%6 Monthsas low as 11.99% VariableNone0%Excellent