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Low Interest Credit Cards

Top Low APR Credit Cards When searching for a new credit card it's tempting to go straight to the rewards cards. Fact is, low APR credit cards are the best choice for those who tend to carry over monthly balances. Credit card interest rates can quickly offset any rewards you've earned. A good rule of thumb, --if you can pay off your credit card balance each month then maximize your rewards, but if you carry over balances look for lower interest credit cards.

It's a simple concept. Interest rate is your cost to borrow money from the credit card company. If you pay back your balance in full before the grace period ends each month, then you don't have to pay any interest for the month. If some portion of your balance remains unpaid after the grace period, interest charges for that remaining amount will be added to your balance. With this in mind it a good idea to have at least one low APR credit card for large purchases where you will likely need several months to pay off the balance.

More® Card - Monogram
	Intro APR	Ongoing APR	Intro APR Period	Intro Bal Transfer APR	Intro Bal Transfer Period	Annual Fee
	0%	10.99%	6 months	0%	12 months	$0
	0% Intro APR on Purchases and Balance Transfers. No Annual Fee. 0% Intro APR on Purchases and Balance Transfers. Up to 1% Cashback Bonus on all other purchases automatically. $0 Fraud Liability Guarantee. Cash Back Rewards ** Consumer Credit Card Designed For Good Credit					Card Terms

Discover® Motiva Card
	Intro APR	Ongoing APR	Intro APR Period	Intro Bal Transfer APR	Intro Bal Transfer Period	Annual Fee
	3.99%	10.99%	6 months	3.99%	12 months	$0
	3.99% Intro APR. No Annual Fee. 5% to 20% Cashback Bonus. Earn up to 1% Cashback Bonus on all other purchases. Double Cashback Bonus on grocery store purchases in November and December. Pay-On-Time Bonus® equal to a full month's interest added to your Cashback Bonus account. Cash Back Rewards ** Consumer Credit Card Designed For Good Credit					Card Terms

More® Card - Sealife Collection
	Intro APR	Ongoing APR	Intro APR Period	Intro Bal Transfer APR	Intro Bal Transfer Period	Annual Fee
	0%	10.99%	6 months	0%	12 months	$0
	0% Intro APR on Purchases and Balance Transfers. No Annual Fee. 5% Cashback Bonus®. Up to 1% Cashback Bonus on all other purchases automatically. Choose from 5 exciting sealife designs. Unlimited cash rewards that never expire. Cash Back Rewards ** Consumer Credit Card Designed For Good Credit					Card Terms

Discover® Open Road® Card
	Intro APR	Ongoing APR	Intro APR Period	Intro Bal Transfer APR	Intro Bal Transfer Period	Annual Fee
	0%	10.99%	6 months	0%	12 months	$0
	0% Intro APR on Purchases and Balance Transfers. No Annual Fee. 5% Cashback Bonus® on your first $100 in gas and auto maintenance purchases each month. Up to 1% Cashback Bonus on all other purchases. Double Cashback Bonus on grocery store purchases in November and December. Unlimited cash rewards that never expire. Cash Back Rewards ** Consumer Credit Card Designed For Good Credit					Card Terms

Miles by Discover® Card
	Intro APR	Ongoing APR	Intro APR Period	Intro Bal Transfer APR	Intro Bal Transfer Period	Annual Fee
	0%	10.99%	6 months	0%	6 months	$0
	0% Intro APR on Purchases and Balance Transfers for 6 months. No Annual Fee. Book any travel, anytime with no blackout dates or restrictions. Double Miles on up to $3,000 in travel and restaurant purchases each year. 1 Mile for every $1 on all your other purchases - personal and business. Double Miles on grocery store purchases in November and December. Cash Back Rewards Miles Rewards ** Consumer Credit Card Designed For Good Credit					Card Terms

More® Card - Wildlife Collection
	Intro APR	Ongoing APR	Intro APR Period	Intro Bal Transfer APR	Intro Bal Transfer Period	Annual Fee
	0%	10.99%	6 months	0%	12 months	$0
	0% Intro APR on Purchases and Balance Transfers. No Annual Fee. 5% Cashback Bonus® on Get More purchases in popular categories that change four times a year like home, apparel and more. Up to 1% Cashback Bonus on all other purchases automatically. Unlimited cash rewards that never expire. $0 Fraud Liability Guarantee. Cash Back Rewards ** Consumer Credit Card Designed For Good Credit					Card Terms

More® Card - American Flag
	Intro APR	Ongoing APR	Intro APR Period	Intro Bal Transfer APR	Intro Bal Transfer Period	Annual Fee
	0%	10.99%	6 months	0%	12 months	$0
	0% Intro APR on Purchases and Balance Transfers. No Annual Fee. 0% Intro APR on Purchases and Balance Transfers. Up to 1% Cashback Bonus on all other purchases automatically. Unlimited cash rewards. $0 Fraud Liability Guarantee. Cash Back Rewards ** Consumer Credit Card Designed For Good Credit					Card Terms

More® Card - Clear
	Intro APR	Ongoing APR	Intro APR Period	Intro Bal Transfer APR	Intro Bal Transfer Period	Annual Fee
	0%	10.99%	6 months	0%	12 months	$0
	0% Intro APR on Purchases and Balance Transfers. No Annual Fee. 0% Intro APR on Purchases and Balance Transfers. Up to 1% Cashback Bonus on all other purchases automatically. Unlimited cash rewards. $0 Fraud Liability Guarantee. Cash Back Rewards ** Consumer Credit Card Designed For Good Credit					Card Terms

More® Card
	Intro APR	Ongoing APR	Intro APR Period	Intro Bal Transfer APR	Intro Bal Transfer Period	Annual Fee
	0%	10.99%	6 months	0%	12 months	$0
	0% Intro APR on Purchases and Balance Transfers. No Annual Fee. 0% Intro APR on Purchases and Balance Transfers. Up to 1% Cashback Bonus on all other purchases automatically. Turn your Cashback Bonus into bigger rewards everytime when you redeem for gift cards from over 100 brand-name Partners. Unlimited cash rewards. Cash Back Rewards ** Consumer Credit Card Designed For Good Credit					Card Terms

Platinum Card®
	Intro APR	Ongoing APR	Intro APR Period	Intro Bal Transfer APR	Intro Bal Transfer Period	Annual Fee
	N/A	No APR	N/A	N/A	N/A	$450
	Earn 25,000 Membership Rewards® Bonus Points when you spend $1,000 in 3 months - Redeemable for one round-trip domestic airline ticket! Fine Hotels & Resorts Program - exclusive amenities at boutique, resort, and luxury hotels around the world. By Invitation Only® Events - access to exclusive, once-in-a-lifetime events. Complimentary Airport Club Access. 24-hour access to Concierge Service for the finest experiences in dining, entertainment, and luxury. The Membership Rewards First® program - Enjoy exclusive access to rewards and experiences featuring luxury retail, lifestyle, and world-class travel. Point Rewards ** Consumer Credit Card Designed For Good Credit					Card Terms

Blue Sky from American Express
	Intro APR	Ongoing APR	Intro APR Period	Intro Bal Transfer APR	Intro Bal Transfer Period	Annual Fee
	0%	as low as 11.99%	up to 12 months	2.99%	12 months	$0
	0% Intro APR for up to 12 months on Purchases. No Annual Fee. Earn 1 point for every dollar you spend. Low Balance Transfer APR - 2.99% for 12 months. Points good on any airline, hotel, cruise and more. No blackout dates, no travel restrictions. Miles Rewards Point Rewards ** Consumer Credit Card Designed For Good Credit					Card Terms

Preferred Rewards Gold Card
	Intro APR	Ongoing APR	Intro APR Period	Intro Bal Transfer APR	Intro Bal Transfer Period	Annual Fee
	N/A	No APR	N/A	N/A	N/A	see terms
	Earn 10,000 Membership Rewards® bonus points when you spend $500 in 3 months - redeemable for a $100 gift card! Gold Card Events. No Pre-set Spending Limit. Global Assist® Hotline and many more benefits included. Points good on any airline, hotel, cruise and more. No blackout dates, no travel restrictions. Point Rewards ** Consumer Credit Card Designed For Good Credit					Card Terms

Blue Cash® from American Express
	Intro APR	Ongoing APR	Intro APR Period	Intro Bal Transfer APR	Intro Bal Transfer Period	Annual Fee
	0%	as low as 11.99%	up to 12 months	2.99%	12 months	$0
	0% Intro APR for up to 12 months on Purchases. No Annual Fee. Earn up to 5% Cash Back on everyday Purchases - even gas! Low Balance Transfer APR - 2.99% for 12 months. Flexibility to pay over time. First year fee-free and only $45 thereafter. Cash Back Rewards ** Consumer Credit Card Designed For Good Credit					Card Terms

Blue from American Express®
	Intro APR	Ongoing APR	Intro APR Period	Intro Bal Transfer APR	Intro Bal Transfer Period	Annual Fee
	0%	as low as 10.99%	up to 12 months	2.99%	12 months	$0
	0% APR on Purchases for up to 12 months. No Annual Fee. 2.99% Fixed APR on BT for first 12 months. Earn 1 point for every $1 you spend. Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences. Membership Rewards Express® program. Point Rewards ** Consumer Credit Card Designed For Good Credit					Card Terms

Choosing a low Interest Credit Card

Many low interest credit cards are available through banks and major credit card companies today. These generally do require a good credit score to obtain. A good credit score translates to less risk to the credit card issuer allowing them to offer lower rates. Whatever your credit score if you feel you are paying an abnormally high rate then its worth considering applying for a lower rate card.

When you evaluate low APR credit cards look first at the ongoing interest rate. The ongoing APR is the most important aspect, --you will have to live with the ongoing APR long after any introductory rates have expired. Carefully read the terms and conditions to confirm this rate will not change. Note that fixed APR's are not designed to adjust over time and credit card issuers must notify you if they change it. Variable APRs are linked to the prime rate and you can expect them to adjust up or down periodically.

Some low APR cards also offer attractive introductory rates and 0% balance transfers. But consider your goals. If you are seeking a great long term low APR card then don't compromise for short term introductory offers meant to draw you in.