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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 The Platinum Business Credit Card as our favorite Low Interest credit card.

- There's No Limit to the Number of Points You Can Earn
- Option to Enroll in the Membership Rewards Express® Program Fee-Free
- 0% APR for the First 12 Months
- Save 3-25% on Business Purchases at Companies like FedEx®, Delta®, Hertz®, and More
- No Annual Fee
- Apply now at the American Express website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% APR for 12 Months	As low as Prime + 2.99% Variable	$0	Very Good

SimplyCash® Business Card from American Express

- Earn 3% Cash Back on Automobile Gas Purchases of Up to $12,000 Per Year; 1% Thereafter
- Earn 5% Cash Back on Office Supplies and Wireless Services
- No Limits to The Cash Back You Can Earn
- Earn 1% Cash Back on Virtually All Other Purchases
- Cash Back is Automatically Credited to the Statement Each Month
- Apply now at the American Express website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% APR for Up to 12 Months	As low as Prime + 0% Variable	$0	Very Good

Advanta Platinum with Rewards Customized BusinessCard

- 7.99% Variable APR on Purchases
- 0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR Thereafter
- No Annual Fee and No Limit on Earnings
- Choice of 5% Cash Back on Office Supplies, Gas, and More
- Get Employee Cards with No Fee and Set Spending Limits Per User
- * See terms and conditions for important information, benefits and limitations
- Apply now at the Advanta website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% APR for 15 Months	7.99% Variable	$0	Very Good

Advanta Life of Balance Platinum Card

- Choice of 6% Cash Back on Bonus Qualifying Purchases or Travel Rewards
- 2.99% APR for Life of Balances Transferred within 3 Months
- Get Employee Cards with No Fee and Set Spending Limits Per User
- No Annual Fee and No Limit on Earnings
- $0 Fraud Liability
- * See terms and conditions for important information, benefits and limitations
- Apply now at the Advanta website.

Intro APR	Regular APR	Annual Fee	Credit Needed
2.99% APR for Life of Balance Transfers	9.99% Variable	$0	Very Good

MERRILL+® Card

- Introductory Fixed 1.9% APR on Balance Transfers and Cash Advance Checks for the First 12 Billing Cycles
- No Annual Fee
- Credit Line May Be as High as $250,000
- Low 9.99% APR
- Earn 1 Point for Every $1 Spent
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
1.9% APR for 12 Months	9.99% Fixed	$0	None

Discover® Motiva(SM) 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*	10.99% Variable	$0	None

Total Merrill(SM) Cash Back Visa® Card

- No Annual Fee
- 1% Cash Back on Virtually All Purchases
- Low 9.99% APR for Retail Purchases�
- No Annual Fee and a Low Competitive 9.99% Annual Percentage Rate (APR)
- Credit Line may be as High as $250,000
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
1.9% APR for 12 Months	9.99% Fixed	$0	None

Bank of America Visa Signature® WorldPoints™ Reward

- Introductory 0% APR for Cash Advance Checks and Balance Transfers through Your First 12 Billing Cycles
- No Annual Fee
- Absolute Fraud Protection
- Earn 1 Point for Every $1 in Net Retail Purchases
- Online Access and 24-Hour Service
- Apply now at the Bank of America website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% APR for 12 Billing Cycles	9.99% / 15.99% Fixed	$0	Excellent

Brighter Planet™ Visa® Credit Card

- 1,000 EarthSmart Bonus Points with First Transaction
- 1 EarthSmart Point for Every $1 Net Retail
- For Every Two Base Points Earned Through December 2008, Bank of America Will Make a Matching Contribution of One Additional Point
- 1,000 EarthSmart Bonus Points for Signing up for Paperless Statements
- Apply now at the Bank of America website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% APR for 12 Billing Cycles	9.99% / 15.99% Fixed	$0	None

IberiaBank Visa® Platinum Rewards Card

- 0% Introductory APR on Balance Transfers for Your First 6 Billing Cycles
- No Annual Fee
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- Earn 1 Bonus Point for Every $1 in Net Retail Purchases and Redeem Your Points for Hotel Rooms, Gourmet Dinners, Travel, and More
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% APR for 6 Months	5.99% Variable	$0	Very Good

IberiaBank Visa® Gold Cash Back Rewards Card

- No limit on Cash Back; No Expiration for the Life of Your Account
- 1% Cash Back on Everything You Buy From Day One
- No Minimum to Redeem for Cash
- 0% Introductory APR on Balance Transfers for Your First 6 Billing Cycles
- No Annual Membership Fee
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% APR for 6 Months	5.99% Variable	$0	Good

Bank of America World MasterCard® with WorldPoints™

- Redeem Your Points for Travel with No Blackout Dates, Cash, Brand-Name Merchandise, or Dining Certificates
- Earn 1 Point for Every Net Retail Purchase Dollar
- Online Account Access and Point Management
- No Annual Fee
- Absolute Fraud Protection
- Apply now at the Bank of America website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% APR for 12 Billing Cycles	9.99% / 15.99% Fixed	$0	Outstanding

Bass Pro Shops® Outdoor Rewards Platinum Plus® Visa® Card

- 0% Introductory Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles
- Help Conservation Efforts - With Each Card Purchase, Bass Pro Shops and the National Fish and Wildlife Foundation Will Make a Contribution to Help Conservation Efforts, with a Guaranteed Yearly Contribution as High as $1.5 Million, at No Additional
- Card Issued by FIA Card Services, N.A.
- No Annual Fee
- Apply now at the Bank of America website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% APR for 12 Billing Cycles	9.9% / 15.99% Fixed	$0	Very Good

BoatU.S.™ WorldPoints® Platinum Plus® Visa® Card

- Access to the MyConcierge(SM) Service, a Unique Personal Assistance Service
- Earn 1 Point for Every Net Retail Purchase Dollar Spent and Redeem Your Points for Travel, Merchandise, Gift Certificates, and Cash
- No Annual Fee
- Absolute Fraud Protection Against Unauthorized Use, Online and Offline
- Card Issued by FIA Card Services, N.A.
- Apply now at the Bank of America website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% APR for 12 Billing Cycles	9.9% / 15.99% Fixed	$0	Very Good

Wyndham Rewards MasterCard(SM)

- Earn 13 Points for Every $1 Spent for Qualifying TripRewards® Hotel Stays
- Earn 2 Points for Every $1 in Purchases
- No Annual Fee
- Redeem Your Points for Hotel Stays, Dining, Shopping, and Auto Rentals
- 24-Hour Online Access
- Apply now at the Bank of America website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% APR for 12 Billing Cycles	9.99% / 15.99% Fixed	$0	Very Good

Bank of America WorldPoints® Platinum Plus® MasterCard®

- Redeem Your Points for Travel with No Blackout Dates, Cash, Brand-Name Merchandise, or Dining Certificates
- Earn 1 Point for Every Net Retail Purchase Dollar
- Free 24/7 Concierge Service
- No Annual Fee
- Absolute Fraud Protection
- Apply now at the Bank of America website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% APR for 12 Billing Cycles	9.99% / 15.99% Fixed	$0	Very Good

Pulaski Bank Visa® Card

- Best Credit Card Rate in the Country
- Fixed Low Rate
- 0.0% Introductory APR on All Balance Transfers
- No Fee Balance Transfers
- Apply now at the Pulaski Bank website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% APR for 6 Months	6.50% Fixed	$35	None

Blue Cash® for Business Credit Card

- No Limit on the Cash Back You Can Earn
- Up To 5% Cash Back on Virtually all Purchases
- 0% Intro APR for First 6 Months
- No Annual Fee
- Option to Pay over Time or Pay in Full
- Apply now at the American Express website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% APR for 6 Months	As low as Prime + 2.99% Variable	$0	None

Capital One® Business Platinum with No Hassle Miles(SM)

- 0% APR on Purchases Until October 2009
- Earn Miles and Get a Low Introductory Purchase Rate, Too
- 1 Mile Per Dollar Spent on Purchases
- 0% APR on Transferred Balances Until October 2009
- Redeem Miles for Cash Back, Gift Cards, Flights, and More
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% APR on Purchases and Balance Transfers until October 2009	As low as 9.99% Variable	$0	Very Good

Blue for Business® Credit Card

- No Annual Fee with the Flexibility to Pay in Full or Carry a Balance
- 0% introductory APR on Purchases for Up To 15 Months
- Option to Enroll in the Complimentary Membership Rewards Express® Program, with Flexible Rewards for You or Your Business
- No Annual Fee for Additional Cards
- There's No Limit to the Number of Points You Can Earn and Points Have No Expiration Date
- Apply now at the American Express website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% APR for up to 15 Months	As low as Prime Rate + 2.99% 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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