Low Interest Rewards Programs

While many credit cards offer a 0% introductory APR for a short period of time, usually six months to a year, the credit cards listed below offer relatively low APRs for the life of the card.

Low interest offers are a method used by credit card issuers to encourage new business from cardholders. If cardholders keep track of these offers and use low interest credit cards they can avoid high interest charges. However, issuers might change their terms, so higher interest rates could apply, often without warning. The benefits of these cards are obvious and if used effectively can help reduce or eliminate debt.

Browse our Low Interest reward credit cards below

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IberiaBank Visa® Gold Cash Back Rewards Card

IberiaBank Visa® Gold Cash Back Rewards Card Apply Now
  • No annual membership fee
  • Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
  • Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
  • 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
  • Online access to credit card account information
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
1.99% APR for 6 Months 9.25%, 12.25%, or 15.25%* Good $0

IberiaBank Visa® Platinum Rewards Card

IberiaBank Visa® Platinum Rewards Card Apply Now
  • No annual membership fee
  • Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
  • Low Introductory ARP on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
  • 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
  • Online access to credit card account information
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
1.99% APR for 6 Months 9.25%, 12.25%, or 15.25%* Very Good $0

Chase Freedom® Visa - $50 Bonus Cash Back

Chase Freedom® Visa - $50 Bonus Cash Back Apply Now
  • Earn $50 Bonus Cash Back after first purchase
  • 0% Intro APR and No Annual Fee
  • 5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
  • Unlimited 1% Cash Back on all other purchases with no spending tiers
  • Up to an additional 20% cash back when you shop online at select merchants through Chase
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
12 months on balance transfers, 6 months on purchases* 12.99% - 22.99% (V) Any $0

Citi® Dividend Platinum Select® MasterCard®

Citi® Dividend Platinum Select® MasterCard® Apply Now
  • 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
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
0% Intro APR for 15 Months* 12.99% - 20.99%* (Variable) Very Good $0

Citi Forward® Card

Citi Forward® Card Apply Now
  • 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.
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
0% Intro APR* 12.99% - 19.99%* (Variable) Any $0

IberiaBank Visa® Classic Card

IberiaBank Visa® Classic Card Apply Now
  • No Annual Membership Fee
  • Low variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
  • Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
  • Online Access to Credit Card Account Information
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
1.99% APR for 6 Months 7.25%, 10.25%, or 13.25%* Any $0

Citi® mtvU™ Platinum Select® Visa® Card for College Students

Citi® mtvU™ Platinum Select® Visa® Card for College Students Apply Now
  • No Cosigner Required
  • Earn 5 ThankYou® Points for Every Dollar You Spend at Restaurants, Bookstores, Record Stores, Movie Theaters, and Video Rental Stores
  • Earn 1 ThankYou Point For Every Dollar You Spend on All Other Purchases
  • Earn Up to 2000 ThankYou Points Twice a Year for Maintaining a Good GPA
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
0% Intro APR for 7 Months* 12.99% - 21.99%* (Variable) Very Good $0

IberiaBank Visa® Select Card

IberiaBank Visa® Select Card Apply Now
  • Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. (If there is an interest charge, the charge will be no less then $1.00). This rate will not change during the introductory period.
  • Low Introductory APR on Balance Transfers of 1.99% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
  • Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, and Prime + 8.25%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less then $1.00).
  • Online access to credit card account information
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
0.00% or 7.50% for 12 Months on Purchases 7.50% Any $45

Citi® Dividend Platinum Select® Card for College Students

Citi® Dividend Platinum Select® Card for College Students Apply Now
  • No Cosigner Required
  • Earn 5% Cash Back on purchases at supermarkets, drugstores, gas stations, convenience stores & utilities (including cable) for 6 months; 1% thereafter*
  • Earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotel and more. Enrollment required*
  • Earn a full 1% cash back on all other purchases*
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
0% Intro APR for 7 Months* 12.99% - 21.99%* (Variable) Very Good $0

Slate℠ from Chase

Slate℠ from Chase Apply Now
  • 0% intro APR for up to 12 months.
  • No Annual Fee.
  • New innovative card design.
  • BlueprintSM free and customizable account features that help you avoid unnecessary interest and pay your balances down faster
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
0% APR for up to 12 Months* 13.24%, 17.24%, 22.24% Any $0

Citi Forward® Card for College Students

Citi Forward® Card for College Students Apply Now
  • No Cosigner Required
  • APR Reduction on Purchases When Using Credit Wisely
  • 100 ThankYou Points Each Billing Period that You Pay on Time and Stay Under Your Credit Line
  • 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
  • Apply online now or read our review
Intro APR Regular APR Credit Needed Annual Fee
0% Intro APR* 12.99% - 19.99%* (Variable) Any $0