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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.

  • The Platinum Business Credit Card Apply online for The Platinum Business Credit Card
    • 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

  • SimplyCash® Business Card from American Express Apply online for SimplyCash® Business Card from American Express
    • 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

  • Advanta Platinum with Rewards Customized BusinessCard Apply online for Advanta Platinum with Rewards Customized BusinessCard
    • 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

  • Advanta Life of Balance Platinum Card Apply online for Advanta Life of Balance Platinum Card
    • $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

  • MERRILL+® Card Apply online for MERRILL+® Card
    • 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

  • Discover® Motiva(SM) Card Apply online for Discover® Motiva(SM) Card
    • 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

  • Total Merrill(SM) Cash Back Visa® Card Apply online for Total Merrill(SM) Cash Back Visa® Card
    • 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

  • Bank of America Visa Signature® WorldPoints™ Reward Apply online for Bank of America Visa Signature® WorldPoints™ Reward
    • 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

  • Brighter Planet™ Visa® Credit Card Apply online for Brighter Planet™ Visa® Credit Card
    • 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

  • IberiaBank Visa® Platinum Rewards Card Apply online for IberiaBank Visa® Platinum Rewards Card
    • 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

  • IberiaBank Visa® Gold Cash Back Rewards Card Apply online for IberiaBank Visa® Gold Cash Back Rewards Card
    • 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™

  • Bank of America World MasterCard® with WorldPoints™ Apply online for Bank of America World MasterCard® with WorldPoints™
    • 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

  • Bass Pro Shops® Outdoor Rewards Platinum Plus® Visa® Card Apply online for Bass Pro Shops® Outdoor Rewards Platinum Plus® Visa® Card
    • 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

  • BoatU.S.™ WorldPoints® Platinum Plus® Visa® Card Apply online for BoatU.S.™ WorldPoints® Platinum Plus® Visa® Card
    • 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)

  • Wyndham Rewards MasterCard(SM) Apply online for Wyndham Rewards MasterCard(SM)
    • 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®

  • Bank of America WorldPoints® Platinum Plus® MasterCard® Apply online for Bank of America WorldPoints® Platinum Plus® MasterCard®
    • 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

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

Blue Cash® for Business Credit Card

  • Blue Cash® for Business Credit Card Apply online for Blue Cash® for Business Credit Card
    • 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)

  • Capital One® Business Platinum with No Hassle Miles(SM) Apply online for Capital One® Business Platinum with No Hassle Miles(SM)
    • 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

  • Blue for Business® Credit Card Apply online for Blue for Business® Credit Card
    • 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