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Low Interest

Low interest is key to those who carry a balance from month to month on their lines of credit. A low interest credit card is available from a variety of credit card issuers. 0 APR may be available on some credit lines for a limited time. This, combined with a low interest rate may help make purchases and balance transfers more affordable.


 

 

Blue Cash(R) from American Express
Blue Cash(R) from American Express
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  • 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* 17.24%-21.24% Variable No Annual Fee Yes Excellent
 
Discover® Open Road Card
Discover® Open Road Card
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  • 2% Cashback Bonus automatically at any gas station and any restaurant
  • 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • 0% intro APR on balance transfers for 12 full months, then the Regular APR
  • 0% intro APR on purchases for 6 months, then the Regular APR

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0%* 6 Months* 11.99% - 20.99% (Variable)* None Yes Good
 
Discover® More Card
Discover® More Card
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  • 0% intro APR on balance transfers for a full 15 months, then the Regular APR
  • 0% intro APR on purchases for a full 6 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

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0%* 6 Months* 11.99% - 20.99% (Variable)* None Yes Excellent
 
Miles by Discover® Card
Miles by Discover® Card
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  • 12,000 Bonus Miles - 1,000 Bonus Miles each month you make a purchase for your first year
  • Double Miles on your first $3,000 in travel and restaurant purchases each year
  • Double Miles through our exclusive online shopping site
  • One Mile for every dollar on all other purchases
  • Flexible redemption options for travel, gift cards, or cash
  • 0% intro APR on balance transfers and purchases for 6 months, then the Regular APR

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0%* 6 Months* 10.99% - 16.99% (Variable)* None Yes Good
 
IBERIABANK Visa® Classic Card
IBERIABANK Visa® Classic Card
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  • 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. This APR will vary with the market based on the Prime Rate.
  • Online access to credit card account information

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 7.25%, 10.25%, or 13.25% None Yes Excellent
 
Discover® MotivaCard
Discover® MotivaCard
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  • Cash rewards for your good credit management
  • Each time you make 6 on-time payments in a row, you'll get a Pay-On-Time Bonus equal to a full month's interest added to your Cashback Bonus account
  • 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • 3.99% intro APR on balance transfers for a full 15 months, then the Regular APR
  • 3.99% intro APR on purchases for a full 12 months, then the Regular APR

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
3.99%* 12 Months* 11.99% - 20.99% (Variable)* None Yes Good
 
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* 17.24%-21.24% Variable No Annual Fee No Excellent
 
IBERIABANK Visa® Gold Card
IBERIABANK Visa® Gold Card
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  • 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. This APR will 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
  • Online access to credit card account information

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 9.25%, 12.25%, or 15.25% None Yes Excellent
 
IBERIABANK Visa® Platinum Card
IBERIABANK Visa® Platinum 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. This APR will 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
  • Online access to credit card account information

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 9.25%, 12.25%, or 15.25% None Yes Excellent
 
The Platinum Card(R) from American Express
The Platinum Card(R) from American Express
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  • Earn 25,000 Membership Rewards(R) bonus points when you spend $1,000 in your first 3 months of Card membership - redeemable for one domestic round-trip Coach-Class airline ticket!
  • Airport Club Access: Access airport lounges around the world, compliments of Airport Club Access Program.
  • 24-Hour Concierge Service: From buying gifts to making reservations, the Platinum Card(R) Concierge is at your service so you can spend your energy doing what you want.
  • FINE HOTELS & RESORTS: Receive special amenities and comforts when staying at more than 600 boutique, resort and luxury hotels around the world.
Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A N/A $450 annual fee No Excellent
 



Low Interest Credit Card

 

A low interest credit card is a good option for those who wish to make a large purchase or finance their holiday spending over a period of time. In addition to this, use it, coupled with 0%, zero, interest offers to help you to consolidate other lines of credit you have into one, lower monthly payment.
 
A low interest credit card is an excellent resource. Many offer the low APR introductory offers (ranging from 0% to 4.9% annually) for balance transfers or purchases and sometimes both. Intro rates may extend from six months up to 12 months. After this period is over, you still have the low rate to fall back on (ranging from 7.25% to 14.99 %.)
 
Know the details in these credit cards. Read through the terms and conditions to find any fees or to see what the qualifications of such lines of credit are, such as excellent credit ratings. Also, take note if the card's APR is fixed or variable. A fixed APR is one that remains the same throughout the card's use. A variable rate may chance as the prime rate changes. This could mean shifts up and down in what is charged. Those carrying a balance month to month on their credit cards should consider a fixed rate. Those who wish to transfer a balance will want to choose zero interest intro offers if possible.
 
Whenever you carry a balance month to month on your credit card, you do want to look for a low interest credit card. Those who do pay off their balance in full each month may benefit from other lines of credit, such as those offering rewards credit cards. Although the low rate is not there on these lines of card, this is less likely to be important since the balance is paid off. ) APR cards are an option for personal and business lines of credit, too.

 

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