Home >> Offers >> Low Interest

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 Ink Cash℠ Business Card as our favorite Low Interest credit card.

• 
• • Unlimited 1% cash back on all other purchases
  • 3% cash back on fuel, home improvement, dining and office supply purchases
  • Up to 10 points for $1 spent when you shop online through Chase Rewards Plus
  • No limit to the number of points you can earn
  • Free additional cards for employees
  • Apply now at the Chase website.

Ink℠ with Ultimate Rewards℠

• 
• • No dollar goes unrewarded
  • Cash back plus a million other redemption options
  • Unlimited rewards for you or your business
  • No caps and points never expire
  • When you redeem for cash back, your Ultimate Rewards points are 2 times as valuable as Membership Rewards points
  • Apply now at the Chase website.

Discover® Motiva Card

• 
• • 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
  • Cash rewards for your good credit management
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
  • 3.99% intro APR on balance transfers for a full 15 months, then the Regular APR
  • Apply now at the the card issuer's website.

IberiaBank Visa® Gold Cash Back Rewards Card

• 
• • 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 b
  • No annual membership fee
  • Earn 1% in cash back credit on all qualifying purchases
  • 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 w
  • No limit on cash back; no expiration date on eligibility for accounts in good standing
  • Apply now at the the card issuer's website.

Escape by Discover® Card

• 
• • 2 Miles per $1 on all purchases
  • 25,000 Bonus Miles - Earn 1,000 Miles each month you make a purchase for the first 25 months
  • Fly on any airline, book any hotel or car, with no blackout dates
  • No limit on the Miles you earn and Miles don\'t expire
  • Use Miles for travel, merchandise, gift cards or cash
  • Apply now at the the card issuer's website.

IberiaBank Visa® Classic Card

• 
• • 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 b
  • No Annual Membership Fee
  • Online Access to Credit Card Account Information
  • 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
  • Apply now at the the card issuer's website.

IberiaBank Visa® Platinum Rewards Card

• 
• • 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 b
  • No annual membership fee
  • Earn 1 bonus point for every $1 in qualifying net retail purchases
  • 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 w
  • Turn your points into hotel, gift, or experience rewards
  • Apply now at the the card issuer's website.

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.

IberiaBank Visa® Select Card

• 
• • 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 w
  • Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. (If there is an interest charge, the charge will be no less then $1.00). This rate will not change during the introductory period.
  • Online access to credit card account information
  • 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. (If there is an interest
  • Apply now at the the card issuer's website.

Chase Sapphire℠ Preferred Card

• 
• • 2X points earned on all airfare booked through Ultimate Rewards & 1 point for every dollar spent on all other purchases
  • Earn a FREE FLIGHT - that\'s 25,000 bonus points after you spend $3,000 in the first 3 months!
  • Points are worth 25% more when you redeem for travel through Ultimate Rewards
  • Fly on leading airlines anytime. There are no travel restrictions or blackout dates and points never expire.
  • 7% annual points dividend - earn bonus points on your points
  • Apply now at the Chase website.

Discover® More Card

• 
• • 0% intro APR on purchases for a full 6 months, then the Regular APR
  • 0% intro APR on balance transfers for a full 15 months, then the Regular APR
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
  • No Annual Fee
  • Apply now at the the card issuer's website.

Miles by Discover® Card

• 
• • 1 Mile per $1 on every purchase
  • 12,000 Bonus Miles - Earn 1,000 Miles each month you make a purchase for your 1st year
  • No limit on the Miles you earn and Miles don\'t expire
  • Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year
  • Fly on any airline, book any hotel or car, with no blackout dates
  • Apply now at the the card issuer's website.

Discover® Open Road Card

• 
• • 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
  • 2% Cashback Bonus automatically at any gas station and any restaurant
  • 0% intro APR on balance transfers for 12 full months, then the Regular APR
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • 0% intro APR on purchases for 6 months, then the Regular APR
  • Apply now at the the card issuer's website.

Discover® More Card - $75 Cashback Bonus

• 
• • 0% intro APR on purchases for a full 6 months, then the Regular APR
  • 0% intro APR on balance transfers for a full 12 months, then the Regular APR
  • 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
  • Get $75 Cashback Bonus when you make $500 in purchases within 3 months
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • Apply now at the the card issuer's website.

Discover® More Card - Black

• 
• • 0% intro APR on purchases for a full 9 months, then the Regular APR
  • 0% intro APR on balance transfers for a full 12 months, then the Regular APR
  • Up to 1% unlimited Cashback Bonus on all other purchases
  • 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
  • No Annual Fee
  • Apply now at the the card issuer's website.

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.

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.

Public Savings Bank Classic Secured VISA Card

• 
• • 0% APR on All Purchases for the First 6 Months
  • Build Credit History - We Report to All 3 Major Credit Bureaus
  • No Credit Check
  • No Annual Fees or Monthly Maintenance Fees
  • No Checking Account Required
  • Apply now at the the card issuer's website.