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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Blue Cash Everyday(SM) Card from American Express
- Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
- 0% intro APR on purchases for 12 months, flexibility to pay over time
- Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
- NO spend minimum, NO enrollment, and NO rotating rewards categories
- Get a $25 Referral Bonus for each friend or family member who is approved for the Card
- No annual fee, flexibility to pay over time
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% intro APR for 12 months. |
17.24%-22.24% Variable |
Any |
$0 |
IberiaBank Visa® Gold Cash Back Rewards Card
- 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 |
Blue Sky from American Express®
- No annual fee
- Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel - anytime
- Pay your bill all at once, or over time. It's up to you.
- Blue Savings Program™: big deals on big brands, all the time
- Rated "Best Airline Credit Card" by Card Ratings Consumer's Choice Awards in 2010
- Get approved in 60-seconds
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% intro APR for 12 months. |
17.24%-22.24% Variable |
Any |
$0 |
Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back
- $100 cash back after $500 in purchases within the first 3 months of account opening.
- 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
- 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment. Each quarter, you can enroll to earn additional cash back in popular categories. To learn more, visit dividend.quarterlyoffer.citi.com.
- Full 1% cash back on all other purchases and eligible cash advances
- No Annual Fee*
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR for 12 Months* |
12.99% - 22.99%* (Variable) |
Very Good |
$0* |
IberiaBank Visa® Platinum Rewards Card
- 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 |
Escape by Discover® Card
- Earn up to $250 in travel rewards--1,000 Bonus miles every month you make a purchase for the first 25 months
- Double Miles on every $1 you spend
- 0% intro APR on purchases and balance transfers for 6 months, then the variable purchase APR of 10.99% - 16.99%*
- No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
- Flexible redemption options like travel credits, merchandise, gift cards or cash
- Travel Insurance benefits, including primary car rental, lost or damaged luggage, travel delay, and trip cancellation when you book with your Escape by Discover card
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- *Click apply to view rates, fees, rewards, limitations and other important information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
10.99% - 16.99% (V)* |
Any |
$60 |
Discover® More Card - 18 Month Promotional Balance Transfer
- 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- $0 Fraud Liability plus automatic mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
10.99% - 20.99% (V)* |
Very Good |
$0 |
Discover® Open Road Card - $150 Restaurant.com Gift Certificate
- Receive a $150 Restaurant.com Gift Certificate with first purchase
- 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 20.99%*
- 2% automatically at gas stations and restaurants all year long*
- Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
10.99% - 20.99% (V)* |
Very Good |
$0 |
Miles by Discover® Card
- Earn up to $120 in travel rewards--1,000 Bonus miles every month you make a purchase for the first year
- 1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash
- 0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%*
- No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
- Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
10.99% - 16.99% (V)* |
Very Good |
$0 |
Capital One® VentureOne℠ Rewards Credit Card
- 1.25 miles per dollar on every purchase, every day
- Earn 10,000 bonus miles, equal to $100 in travel
- Redeem miles for airline tickets, hotel rooms, car rentals and more
- No limit on the miles you can earn and miles won't expire
- Fly free on any airline, any time with no blackout dates
- 0% intro APR on purchases until February 2013
- No foreign transaction fees
- No annual fee
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro on Purchases Until February 2013 |
11.9% - 19.9% (V) |
Excellent/Good |
$0 |
LSU® Tigers™ Platinum MasterCard® from Capital One®
- 2 points per $1 on purchases at gas stations and major grocery stores
- 1 point per $1 spent on all other purchases
- No limit on the points you can earn and points don't expire
- Redeem for travel, gift cards and merchandise
- Choose from 2 unique LSU® card designs or create your own image card
- 0% intro APR on purchases until February 2013
- No annual fee
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro on Purchases Until February 2013 |
13.9% - 19.9% (V) |
Excellent/Good |
$0 |
Capital One® Orbitz® Visa® Platinum
- 3 points per dollar spent on eligible Orbitz.com bookings
- Get 1 point per dollar on all other purchases
- Bonus points on eligible Orbitz.com bookings
- No limit on the points you can earn and points don't expire
- Redeem for travel, merchandise, gift cards and more
- Earn travel quickly with low redemption minimums
- 250 point refueling bonus when you redeem points for awards
- No annual fee
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro on Purchases Until February 2013 |
13.9% - 19.9% (V) |
Excellent/Good |
$0 |
Citi Forward® Card
- $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
- 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable
- 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
- Want to lower your purchase APR? All you have to do is make a purchase, stay under your credit limit, and pay on time 3 billing periods in a row and we will lower your APR for purchase by up to 2% (0.25% each quarter, 8X maximum)
- No Annual Fee
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
12.99% - 22.99%* (Variable) |
Any |
$0* |
Discover® More Card - $0 Balance Transfer Fee!
- Limited Time Offer - $0 Balance Transfer Fee!*
- 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%*
- 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
- Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
- 24/7 access to a U.S.-based Account Manager within 60 seconds
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
- *Click apply to view rates, fees, rewards, limitations and other important information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% intro APR on purchases and balance transfers for 12 months |
10.99% - 19.99% (V)* |
Any |
$0 |
Citi® Platinum Select® MasterCard®
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
- 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*
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
11.99% - 21.99%* (Variable) |
Very Good |
$0* |
IberiaBank Visa® Classic Card
- 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 |
SimplyCash® Business Card from American Express OPEN
- Get 5% cash back on wireless services and office supply purchases*
- Get 3% cash back on automobile gasoline*
- Get 1% cash back on other purchases*
- No limit to the amount of cash back you can earn
- Cash back on purchases is automatically credited to your statement each month
- Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®
- No annual membership fee
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for Up to 12 Months |
12.24% - 19.24% Variable |
Very Good |
$0 |
Capital One® Platinum Prestige Credit Card
- 0% intro APR until May 2013 on balance transfers
- 0% intro APR until May 2013 on purchases
- No annual fee
- $0 Fraud Liability if your card is lost or stolen
- 24-hour travel assistance gives you a replacement card and cash advance
- 24-hour roadside assistance
- Pick an image for your card - choose the one shown here, any of the hundreds in our collection, or add your own
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro on Purchases and Balance Transfers Until May 2013 |
10.9% - 18.9% (V) |
Excellent |
$0 |
IberiaBank Visa® Select Card
- Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. 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.
- Product Enhancements include: Auto Rental Collision Damage Waiver, Roadside Dispatch and Travel Emergency Services.
- Online access to credit card account information
- Low Annual Fee of $35.00.
- 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%, 9.50% or 11.50% |
Any |
$35 |
Citi® Dividend Platinum Select® Card for College Students
- 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* |
13.99% - 21.99%* (Variable) |
Very Good |
$0* |
