Low Interest Rewards Programs
While many credit cards offer a 0% introductory APR for a short period of time, usually six months to a year, the credit cards listed below offer relatively low APRs for the life of the card.
Low interest offers are a method used by credit card issuers to encourage new business from cardholders. If cardholders keep track of these offers and use low interest credit cards they can avoid high interest charges. However, issuers might change their terms, so higher interest rates could apply, often without warning. The benefits of these cards are obvious and if used effectively can help reduce or eliminate debt.
Browse our Low Interest reward credit cards below
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Blue from American Express®
- 0% APR on Purchases for Up to 12 Months
- No Annual Fee
- Low Balance Transfer APR 2.99% for 12 Months
- 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.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for Up to 12 Months |
As low as 10.99% |
Any |
$0 |
Capital One® No Hassle Miles(SM) Ultra-For Professionals
- Earn Double Miles - 2 Miles Per Dollar Spent on All Purchases
- Save With a 0% Intro APR on Purchases Until January 2010
- No Expiration Date on Miles and No Limit on the Miles You Can Earn
- No Blackout Dates or Seat Restrictions
- *See Capital One® Important Disclosures for More Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% on Purchases Until January 2010 |
9.90% |
Excellent |
$39 |
Capital One® No Hassle Miles(SM) Rewards Excellent 1.25 Miles Rewards
- Earn 25% More Mileage Than Regular Mileage Cards With 1.25 Miles For Each Dollar Spent on Purchases
- Save With a 0% Intro APR on Purchases Until January 2010
- No Expiration on Miles and No Limit on the Miles You Can Earn
- There Are No Blackout Date and No Seat Restrictions
- No Annual Fee
- *See Capital One® Important Disclosures for More Information.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% on Purchases Until January 2010 |
9.90% |
Excellent |
$0 |
Discover® More(SM) Card- American Flag
- 5% to 20% Cashback Bonus® at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- No Annual Fee
- Online Account Access
- Online Bill Payment
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
10.99% |
Very Good |
$0 |
Discover® Open Road(SM) Card
- Double Cashback Bonus® on Grocery Store Purchases in November and December*
- 5% to 20% Cashback Bonus® at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- Increase, Even Double Your Rewards When You Redeem for Gift Cards from Our 100 CBB Partners
- No Annual Fee
- Online Account Access
- Online Bill Payment
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
10.99% |
Very Good |
$0 |
Citi® Diamond Preferred® Rewards Card
- 0% APR* on Balance Transfers for Up to 12 Months
- 5 Reward Points for Every $1 Spent on Purchases at Supermarkets, Drugstores, and Gas Stations for 12 Months; 1 Point for Every $1 on All Other Purchases
- No Annual Fee and FREE Rewards Program
- Citi® Identity Theft Solutions
- Price Protection Program
- $0 Liability on Unauthorized Purchases
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for up to 12 Months |
As low as 9.49% |
|
$0 |
Citi CashReturns(SM) MasterCard®
- Earn Up to 6% Cash Back on Purchases; a Full 1% Cash Back on Every Purchase PLUS an Average 5% Additional Cash Back at 400 Leading Retailers Within the Citi Bonus Cash Center.
- Earn a 20% Bonus on the Cash Back Earned on All Purchases for the First 12 Months
- Checks Will Be Sent Automatically Every Time You Earn $50
- 0% APR* on Balance Transfers for up to 12 Months
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for up to 12 Months |
As low as 8.99% |
Any |
$0 |
Miles by Discover® Card
- Double Miles on Grocery Store Purchases in November and December*
- 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
- Unlimited Miles That Never Expire*
- Redeem for Travel Credits to Your Account, Gift Cards from Any of Our 70 Brand-Name Partners, or Cash Starting at Just 1,000 Miles
- No Annual Fee
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
10.99% |
Very Good |
$0 |
Discover® More(SM) Card
- 5% to 20% Cashback Bonus® at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- No Annual Fee
- Online Account Access
- Online Bill Payment
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
10.99% |
Very Good |
$0 |
Discover® More(SM) Card - Sealife Collection
- 5% to 20% Cashback Bonus® at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- No Annual Fee
- Online Account Access
- Online Bill Payment
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
10.99% |
Very Good |
$0 |
Discover® More(SM) Card - Clear
- 5% to 20% Cashback Bonus® at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- No Annual Fee
- Online Account Access
- Online Bill Payment
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
10.99% |
Very Good |
$0 |
Discover® Motiva(SM) Card
- Double Cashback Bonus® on Grocery Store Purchases in November and December*
- 5% to 20% Cashback Bonus® at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- Increase, Even Double Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- Free Payment by Phone or Online Even on Your Payment Due Date
- Choose a Payment Due Date That Meets Your Needs
- No Annual Fee
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 3.99% Intro APR* |
10.99% |
Any |
$0 |
Capital One® No Hassle Miles(SM) Rewards - MasterCard® Excellent 1x - 2x Miles Rewards
- Earn 2 Miles for Each Dollar of Monthly Spending Above $1,000
- 1 Mile Per $1 Spent on All Other Purchases
- Save With 0% Intro APR on Purchases Until January 2010
- Get Free Travel Easily with ANY Airline, Hotel, Cruise Line, or Rental Car
- No Blackout Dates and No Seat Restrictions
- No Expiration Date on Miles and No Limit on the Miles You Can Earn
- No Annual Fee
- *See Capital One® Important Disclosures for More Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% on Purchases Until January 2010 |
9.90% |
Any |
$0 |
Capital One® No Hassle Points(SM) Rewards - Excellent Credit
- Earn 2 Points Per Dollar Spent at Gas Stations, Major Grocery and Drug Stores
- 1 Point for Every Dollar Spent on Other Purchases
- Save With a 0% Intro APR on Purchases Until January 2010
- There is No Limit to the Points You Can Earn and Your Points Won't Expire
- No Annual Fee
- *See Capital One® Important Disclosures for More Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% on Purchases Until January 2010 |
9.90% |
Excellent |
$0 |
IberiaBank Visa® Gold Cash Back Rewards Card
- Earn 1% in Cash Back Credit on All Qualifying Purchases
- No limit on Cash Back; No Expiration Date on Eligibility for Accounts in Good Standing
- Travel Accident Coverage Up to $500,000
- No Annual Membership Fee
- 0% Introductory APR on Balance Transfers for Your First 6 Billing Cycles - Applies to Balance Transfers Processed Within 3 Months of Your Account Open Date
- No Transaction Fee for Balance Transfers
- 25 Day Grace Period
- Online Access to Credit Card Account Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Months |
As low as 8.00%* |
Good |
$0 |
IberiaBank Visa® Platinum Rewards Card
- Earn 1 Bonus Point For Every $1 In Qualifying Net Retail Purchases
- Turn Your Points Into Hotel, Gift, or Experiential Rewards
- Travel Accident Coverage Up to $1,000,000
- No Annual Membership Fee
- 0% Introductory APR on Balance Transfers for Your First 6 Billing Cycles - Applies to Balance Transfers Processed Within 3 Months of Your Account Open Date
- No Transaction Fee for Balance Transfers
- 25 Day Grace Period
- Online Access to Credit Card Account Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR for 6 Months |
As low as 8.00%* |
Very Good |
$0 |
Capital One® No Hassle Miles(SM) Rewards For Travel & Gas
- More Miles - Earn 3 Miles Per Dollar Spent on Travel and Gas Purchases
- Earn 1 Mile Per Dollar For All Other Purchases
- No Annual Fee
- Unrestricted Travel - Fly Any Airline, Anytime, Anywhere, With No Blackout Dates and No Seat Restrictions
- No Expiration Date - Rewards Don't Expire For the Life of Your Account
- *See Capital One® Important Disclosures for More Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% on Purchases Until January 2010 |
9.90% |
Excellent |
$0 |
Discover® More(SM) Card - Wildlife Collection
- 5% to 20% Cashback Bonus® at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus® on All Other Purchases Automatically
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus® Partners
- No Annual Fee
- Online Account Access
- Online Bill Payment
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
10.99% |
Very Good |
$0 |
Discover® More(SM) Card - Monogram
- Earn More Cash in More Ways Than Anyone Else(SM)*
- Unlimited Cash Rewards, Automatically
- Up to 20% Cashback Bonus® When You Shop Online*
- Double Rewards With More than 80 Cashback Bonus® Partners*
- 0% Intro APR*
- Choose Your Personalized Design
- *View Discover® Card Rates, Fees, Rewards, and Other Important Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
10.99% |
Very Good |
$0 |
Capital One® Platinum Prestige
- Save with 0% Intro APR Until January 2010 on Purchases and Balance Transfers
- Then Enjoy a Variable APR, Now 8.9%
- Save Time and Money By Transferring Higher-Rate Balances So You Can Make One Easy Payment Each Month
- No Annual Fee
- *See Capital One® Important Disclosures for More Information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% APR on Purchases and Balance Transfers Until January 2010 |
8.90% |
Excellent |
$0 |
