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August 22, 2008

Best Low Interest Credit Cards Period

What are the Best Low Interest Credit Cards

When you are looking for the best low interest credit cards you have to consider a few issues prior to submitting your online application. You see, there are some card offers that will give you the best ongoing rates and will have special introductory offers of 0% APR for up to 15 months but the key to getting a low interest credit card is having a good credit score.

If you are thinking that you can qualify for a low interest credit card and you have bad credit, you must know in advance that with bad credit you won't get the best offers so you need to evaluate where your credit score stands first before you apply.

To help you find the best low interest card for your credit situation, the best offers have been broken down by credit type. Since offers do change please check the current terms and conditions with the issuing card and view items such as introductory rates offered on balances transfers and purchases. Different rates may apply to balance transfers vs new purchases.

The following offers have been chosen best in class for each credit rating with consideration given to:

1. Introductory interest free period.
2. Ongoing APR's, cards that offer long term low interest rates.
3. Additional rewards offered.

Best Low Interest Card for Excellent Credit

Blue from American Express


Blue from American Express is the best low rate credit card for people with excellent credit because:

1. The length of time of the introductory offer. A 15 mo. Interest free period is the best 0% APR duration possible.

2. The ongoing APR is as low as 8.99% which is the best ongoing rate in the credit card industry.

3. You earn additional rewards points for travel, gift cards and entertainment. American Express has specialized in entertainment rewards for decades now so if you are like me and enjoy purchasing tickets to sporting events, concerts and even amazing Broadway show experiences then you must apply right now for Blue from American Express

Key Benefits from Blue from American Express:

  • 0% APR on purchases for up to 15 months

  • No Annual Fee

  • Low Balance Transfer APR - 4.99% Fixed APR for the life of the balance.

  • Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences.

  • Membership Rewards Express® program

  • Express Approval. Get a decision in less than 60 seconds.


    • Best Low Interest Card for Good Credit

    The Discover credit card offer, Discover® Open Road(SM) Card has been chosen best in class for people with good credit

    Discover® Open Road(SM) Card - Apply Now

    1. Introductory interest free period is for up to 12 months on both purchases and balance transfers

    2. The Discover® Open Road(SM) Card boasts an ongoing APR of as low as 10.99%. Getting a rate as low as 10.99% for people with good credit is about as low of an interest rate that you will find. Good credit means that you have a few missed payments, as a result you won't qualify for the lowest rates on the market.

    Additional rewards offered with the Discover® Open Road(SM) Card:

  • 0% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers

  • Save at the pump and everywhere else.*

  • 5% Cashback Bonus® on gas and auto maintenance purchases

  • 5% to 20% Cashback Bonus at top online retailers*

  • Up to 1% Cashback Bonus on all other purchases

  • Unlimited cash rewards

  • Increase, even double, the value of your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners

    • Best Low Interest Card for Bad Credit

    Orchard Bank Classic MasterCards are the perfect solution for people with bad credit because they offer you some of the lowest ongoing interest rates for those with bad credit and the best feature HSBC bank offers is an intro 0% interest rate. If you have bad credit the best thing you can do for yourself is to save some money on incredibly inflated interest rates. When you have bad credit, banks cash in big time by charging you interest rates that are right through the roof

    HSBC Bank - Orchard Bank Classic MasterCards

    1. Introductory interest free period up to 6 months on both purchases and balance transfers. If you have a card with an unacceptable APR and you have bad credit then you absolutely must take action right now and apply for the HSBC Bank MasterCard.

    2. Ongoing APR's, cards that offer long term low interest rates

    3. An additional benefit offered by the HSBC Bank MasterCard offer is you get cell phone reminders that bills are coming due. When you have bad credit the most important thing you want to focus on is restoring your credit rating. When you miss credit card payments your credit score is impacted and the HSBC Bank MasterCard offer sets you up for success in restoring your credit with cell phone alerts.


    If you aren't sure what the best low interest credit cards are for your current credit needs then take a moment to browse all Low Interest Credit Card Application (click here) section of the website

    Posted by Colin on August 22, 2008 05:35 PM | Permalink | DIGG THIS STORY

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