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Low Interest Credit Cards

The best way to avoid credit card debt is to lock in on a low interest rate. The lowest interest rate that a card can offer is, of course, 0%. However, no card has an ongoing rate of zero, so you must also consider a card's regular interest rate. Is it fixed or variable? Is there an annual fee of zero or a cash back rewards system? These are all questions you must consider when comparing low interest cards. Not all credit cards are created equal and neither are cardholders' credit scores. Typically, anything under 10% is considered to be fair. Ultimately, the best deal for you will depend on what you qualify for, if the ongoing rate is reasonable and whether or not there are any rewards programs included that you can utilize.

Credit Panda's Recommended Credit Card

Credit Panda recommends Discover® Motiva(SM) Card as our favorite Low Interest credit card.

- Up to 1% Unlimited Cashback Bonus� on All Other Purchases Automatically
- 5% to 20% Cashback Bonus� at Top Online Retailers
- Free Payment by Phone or Online � Even on Your Payment Due Date
- Increase, Even Double Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus� Partners
- Choose a Payment Due Date That Meets Your Needs
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
3.99% Intro APR*	as low as 11.99% Variable	$0	None

IberiaBank Visa® Gold Cash Back Rewards Card

- No limit on Cash Back; No Expiration Date on Eligibility for Accounts in Good Standing
- Earn 1% in Cash Back Credits on All Qualifying Purchases
- No Annual Membership Fee
- Travel Accident Coverage up to $500,000
- Low Introductory APR on Balance Transfers for Your First 6 Billing Cycles - Applies to Balance Transfers Processed Within 3 Months of Your Account Open Date
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
1.99% APR for 6 Months	8.25%-14.25%* Variable	$0	Good

Escape by Discover® Card

- Unlimited Double Miles on All Purchases
- 25,000 Bonus Miles - 1,000 Miles Each Month You Make a Purchase the First 25 Months
- 2 Additional Miles for Every $1 You Spend Through ShopDiscover, Our Exclusive Online Shopping Site
- Book Any Travel, Anytime with No Blackout Dates or Restrictions
- Enhanced Travel Benefits
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% Intro APR*	as low as 11.99% Variable	$60	None

IberiaBank Visa® Classic Card

- Low Introductory APR on Balance Transfers for the First 6 Billing Cycles
- No Annual Membership Fee
- Online Access to Credit Card Account Information
- 25 Day Grace Period
- Purchase and Cash Advance APR May Vary Depending on Your Creditworthiness and Other Factors
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
1.99% APR for 6 Months	7.25% - 13.25%* Variable	$0	None

IberiaBank Visa® Platinum Rewards Card

- Turn Your Points Into Hotel, Gift, or Experience Rewards
- Earn 1 Bonus Point For Every $1 In Qualifying Net Retail Purchases
- No Annual Membership Fee
- Travel Accident Coverage Up to $1,000,000
- Low Introductory APR on Balance Transfers for Your First 6 Billing Cycles - Applies to Balance Transfers Processed Within 3 Months of Your Account Open Date
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
1.99% APR for 6 Months	8.25%-14.25%* Variable	$0	Very Good

Gold MasterCard® Credit Card - Fixed 9.99% AIR

- No Annual Fee
- 9.99% Annual Interest Rate on Purchases and Cash Advances
- Around-the-Clock Fraud Protection
- 9.99% Annual Interest Rate on Purchases and Cash Advances
- Online Access to Your Credit Card Account
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
Please refer to online application legal disclosures.	9.99%* Fixed	$0	Good

IberiaBank Visa® Select Card

- Low Ongoing Variable Rate APR after introductory period
- Introductory Fixed Rate on Purchases and Balance Transfers of 7.50% APR for the First 12 Billing Cycles
- 25 Day Grace Period
- No Transaction Fee for Balance Transfers
- Online Access to Credit Card Account Information
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
7.50% APR for 12 Months	7.50% Variable	$45	None

Chase Sapphire℠

- Redeem Points for Travel, Gift Cards, Merchandise, Cash Back and More
- Earn $100 in Rewards - that\'s 10,000 bonus points after your first purchase!
- Points Never Expire and There Are No Limits on How Many Points You Can Earn
- 2X Points Earned on Airfare Booked through Ultimate Rewards & 1 point for Every Dollar Spent on All Other Purchases
- 24/7 Dedicated Service Advisor (No Voice Recording)
- Apply now at the Chase website.

Intro APR	Regular APR	Annual Fee	Credit Needed
No Introductory Rate Available	12.24% Variable	$0	None

Discover® More® Card

- 0% APR on Purchases for a FULL 6 Months
- 0% APR on Balance Transfers for a FULL 12 Months
- Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically
- 5% Cashback Bonus? in Categories that Change Like Travel, Gas, Groceries, Restaurants and More
- Turn Your Cashback Bonus into Bigger Rewards by Redeeming for Gift Cards from Over 100 Brand-Name Partners
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% Intro APR*	As low as 11.99% Variable	$0	Very Good

Discover® More® Card - Wildlife Collection

- 5% Cashback Bonus? in Categories that Change Like Travel, Gas, Groceries, Restaurants and More
- 0% APR on Balance Transfers and Purchases for a Full 6 Months
- Turn Your Cashback Bonus Into Bigger Rewards by Redeeming for Gift Cards from Over 100 Brand-Name Partners
- Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically
- Instant Response Within 60 Seconds
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% Intro APR	as low as 11.99% Variable	$0	Very Good

Discover® More® Card- American Flag

- 5% Cashback Bonus? in Categories that Change Like Travel, Gas, Groceries, Restaurants and More
- 0% APR on Balance Transfers and Purchases for a Full 6 Months
- Turn Your Cashback Bonus Into Bigger Rewards by Redeeming for Gift Cards from Over 100 Brand-Name Partners
- Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically
- Instant Response Within 60 Seconds
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% Intro APR	as low as 11.99% Variable	$0	Very Good

Discover® More® Card - Sealife Collection

- 5% Cashback Bonus? in Categories that Change Like Travel, Gas, Groceries, Restaurants and More
- 0% APR on Balance Transfers and Purchases for a Full 6 Months
- Turn Your Cashback Bonus Into Bigger Rewards by Redeeming for Gift Cards from Over 100 Brand-Name Partners
- Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically
- Instant Response Within 60 Seconds
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% Intro APR	as low as 11.99% Variable	$0	Very Good

Discover® More® Card - Clear

- 5% Cashback Bonus? in Categories that Change Like Travel, Gas, Groceries, Restaurants and More
- 0% APR on Balance Transfers and Purchases for a Full 6 Months
- Turn Your Cashback Bonus Into Bigger Rewards by Redeeming for Gift Cards from Over 100 Brand-Name Partners
- Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically
- Instant Response Within 60 Seconds
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% Intro APR	as low as 11.99% Variable	$0	Very Good

Miles by Discover® Card

- Double Miles on Up to $3,000 in Travel and Restaurant Purchases Each Year
- 12,000 Bonus Miles - 1,000 Miles Each Month You Make a Purchase for the First 12 Months
- 1 Mile for Every $1 on All Your Other Purchases
- Book Any Travel, Anytime with No Blackout Dates or Restrictions
- Unlimited Miles That Never Expire
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% Intro APR*	as low as 11.99% Variable	$0	Very Good

Discover® More® Card - Monogram

- 0% APR on Purchases for a FULL 6 Months
- 0% APR on Balance Transfers for a FULL 12 Months
- Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically
- 5% Cashback Bonus? in Categories that Change Like Travel, Gas, Groceries, Restaurants and More
- Turn Your Cashback Bonus into Bigger Rewards by Redeeming for Gift Cards from Over 100 Brand-Name Partners
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% Intro APR	as low as 11.99% Variable	$0	Very Good

Biodegradable Discover® More Card

- 5% Cashback Bonus? in Categories that Change Like Travel, Gas, Groceries, Restaurants and More
- 0% APR on Balance Transfers and Purchases for a Full 6 Months
- Turn Your Cashback Bonus Into Bigger Rewards by Redeeming for Gift Cards from Over 100 Brand-Name Partners
- Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically
- Instant Response Within 60 Seconds
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% Intro APR	as low as 11.99% Variable	$0	Very Good

Discover® Open Road(SM) Card

- 5% to 20% Cashback Bonus at top retailers through our online shopping mall
- Double Cashback Bonus at any gas station and any restaurant
- Redeem for Partner gift cards, merchandise, Discover (R) gift cards, credit to your Discover card account or an electronic deposit to your bank account
- Up to 1% unlimited Cashback Bonus at top retailers through our online shopping mall
- Turn your Cashback Bonus into bigger rewards by redeeming for gift cards or eCertificates from over 100 brand-name Partners
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% Intro APR*	11.99% Variable	$0	Very Good

Bryant State Bank MasterCard

- Introductory Balance Transfer Rate
- Low Interest Rate of 11.25%
- $0 Fraud Liability
- No Balance Transfer Fee
- 24/7 Online Account Access
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
3.25% APR for 6 Months on Balance Transfers	11.25% Variable	$20	None

Platinum Zero™ Secured Visa® Credit Card from Applied Bank®

- ZERO - 0% Rate Won’t Change - Even If You’re Late!
- ZERO - 0% FIXED APR on Purchases - No Intro Rates!
- ZERO Worries - FREE Personal ID Theft Protection
- ZERO Application Fees
- ZERO Delays - Timely CREDIT Bureau Reporting
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
No Introductory Rate Available	0% Fixed	$0	Very Good

Public Savings Bank Classic Secured VISA Card

- No Annual Fee
- 0% APR for 6 Months on Purchases
- No Minimum Credit Score, No Income/Employment Verifications
- We Report to All 3 Credit Bureaus
- 25 Day Grace Period
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% APR for 6 Months	11.24% Variable	$0	None

The credit card data on this Web site is provided by CardOffers.com. Extended credit card reviews are believed to be accurate during the time of evaluation. Information posted here may however change after the initial review date or update. Therefore, visitors to this site may wish to contact the credit card issuer first in order to verify all information before applying for a card here. Star ratings are based on the CardOffers.com Rating System. The system is designed to further evaluate each credit card. These star ratings should not be the only factor in helping you make a credit card decision, as many of the credit cards listed are not suited for all types of individuals. Neither Credit Panda nor CardOffers.com guarantees the accuracy of credit card data found here.

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