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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.

- 5% to 20% Cashback Bonus� at Top Online Retailers
- Double Cashback Bonus� on Grocery Store Purchases in November and December
- Increase, Even Double Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus� Partners
- Up to 1% Unlimited Cashback Bonus� on All Other Purchases Automatically
- Free Payment by Phone or Online � Even on Your Payment Due Date
- 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 Credit 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 three months of your account open date.
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
0% APR for 6 Months	As low as 9.75%* 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® 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
0% APR for 6 Months	As low as 9.75%* Variable	$0	Very Good

IberiaBank Visa® Classic Card

- Low Introductory APR on balance transfers for the first 6 billing cycles. Applies to balance transfers processed within three months of your account open date
- No Annual Membership Fee
- 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
0% APR for 6 Months	As low as 8.75%* Variable	$0	None

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

Discover® Open Road(SM) Card

- 5% to 20% Cashback Bonus� at Top Online Retailers
- Double Cashback Bonus� on Grocery Store Purchases in November and December
- Increase, Even Double Your Rewards When You Redeem for Gift Cards from Our 100 CBB Partners
- Up to 1% Unlimited Cashback Bonus� on All Other Purchases Automatically
- No Annual Fee
- 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

Discover® More(SM) Card - Clear

- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- 5% to 20% Cashback Bonus® at Top Online Retailers
- No Annual Fee
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- Online Account Access
- 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(SM) Card

- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- 5% to 20% Cashback Bonus® at Top Online Retailers
- No Annual Fee
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- Online Account Access
- 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(SM) Card - Wildlife Collection

- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- 5% to 20% Cashback Bonus® at Top Online Retailers
- No Annual Fee
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- Online Account Access
- 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(SM) Card- American Flag

- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- 5% to 20% Cashback Bonus® at Top Online Retailers
- No Annual Fee
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- Online Account Access
- 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(SM) Card - Sealife Collection

- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- 5% to 20% Cashback Bonus® at Top Online Retailers
- No Annual Fee
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- Online Account Access
- 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(SM) Card - Monogram

- Unlimited Cash Rewards, Automatically
- Earn More Cash in More Ways Than Anyone Else(SM)
- Double Rewards With More than 80 Cashback Bonus® Partners
- Up to 20% Cashback Bonus® When You Shop Online
- 0% Intro APR
- 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

- Card Plastic Breaks Down 99% Within Five Years in Landfill Conditions
- Help Protect the Planet with the New Biodegradable Discover Card
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- 5% to 20% Cashback Bonus® at Top Online Retailers
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® 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

Applied Bank® Secured Visa® Credit Card

- CHOOSE Your Credit Limit Up To $5,000
- 9.99% Low Fixed APR - Rate Won’t Change Even If You’re Late!
- NO Credit Requirements
- $0 Fraud Liability
- NO Income Requirements
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
No Introductory Rate Available	9.99% Fixed	$50	None

Applied Bank® Secured Visa® Gold Card

- CHOOSE Your Credit Limit Up To $5,000
- 9.99% Low Fixed APR - Rate Won’t Change Even If You’re Late!
- NO Credit Requirements
- $0 Fraud Liability
- NO Income Requirements
- Apply now at the the card issuer's website.

Intro APR	Regular APR	Annual Fee	Credit Needed
No Introductory Rate Available	9.99% Fixed	$50	Good

Public Savings Bank Secured Black Card

- Unauthorized Use Protection
- 0% APR for 6 Months on All Purchases
- Up to $1M Credit Limit
- As Low as $300 Minimum Deposit FDIC Insured Account
- Income, Credit and Employment Not a Factor
- 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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