Low rate credit card offers
Low rate is a credit card's option we pay first attention to. And, of course, we are always ready to have the lower rate possible. A card can provide us with a low rate for the whole use of a credit card or only for its intro period. It may vary depending on the credit score. At this page we have collected low rate credit cards for consumers with good or excellent score. If you possess the latter, take a look!
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Low Rate Card Offers
Chase Bank
Platinum Visa® 
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Low Rate Card Offers
American Express
Blue from American Express®
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Low Rate Card Offers
Citibank
Citi® Platinum Select® Card®
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Low Rate Card Offers
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Looking for a new credit card, you always prefer to have the lowest APR. Your desire is clear. And very often, being tempted by alluring rates, you apply for the card you are not eligible for. That's the mistake because you damage your credit score. You need to have above 660 points to know for sure that you will be approved.
Your credit score is far from this point? Low rate card can be the stimulus to aspire to higher rating because credit score is the most important factor that credit companies first take a look at. If you are a lucky owner of good or excellent score, you are considered to be a trustworthy customer to whom the bank offers profitable credit cards and opens doors to the most desirable offers with low interest rates.
| Bank Name Card Name |
Intro APR PURCH. |
Intro Period PURCH. |
Intro APR BAL.TR. |
Intro Period BAL.TR. |
APR % | Annual Fee | Apply Details |
|
Capital One® Platinum Prestige |
n/a | n/a | n/a | n/a | 7.9% | $0 |
Apply online see details |
|
Capital One® No Hassle PointsSM Rewards |
n/a | n/a | n/a | n/a | 13.9% | $0 |
Apply online see details |
Low rate cards bring a lot of benefits to their holders. Let's say, you have a debt on the plastic with a high rate. As a solution, you apply for a balance transfer card with lower rates and shift the balance. What is the benefit? You can start to pay off the debt and not pay high interest. Just make certain that your intro APR will not soar up after the expiration of the introductory period in order to avoid deep debt problems.
With low rate credit card you can spend with your plastic, enjoy paying a low interest, and also get cash bonuses and points for purchases. Moreover, low rate cards usually have no annual fee. It means that you won't have to pay for the credit card use and its yearly service. If you are eager to shift the current balance or going somewhere abroad and plan to use the card there, take a look at balance transfer fee or the foreign exchange fee.
Most of low rate cards, presented at our site, have 0% intro APR on balance transfer and purchases for up to the whole year. Blue from American Express offers 0% intro APR on purchases even for 15 months. And if you are crazy about purchasing, this plastic is right for you to apply.
As anything in the world has both advantages and disadvantages, low rate credit cards are not an exception. Among their disadvantages there are high fees for overspending and late payment. But to have them or not depends only on you. Make payments on time to avoid additional fees, keep your score stable, and save some money.
Looking for a new credit card with low rate, most probably you are already a customer of some bank. So before searching for a new card, learn whether the bank offers special terms to the customers who are going to apply for one more card with this bank.
In case the bank does so, pay attention only to the bank's offers in order to use the opportunity created special for you. Be confident about your bank! Banks cherish their trustworthy consumers and don't want to lose you as the best client. Who knows what the bank holds in its sack of gifts. Most probably it will make you an offer that will take your breath away.
Many banks offer lower APR in their ads trying to lure more consumers. But it usually relates only for the introductory period. The catch is that after the expiration of intro period these interest rates can shoot upwards. So to avoid this happening, be diligent and find out details of the credit agreement. Always read the small print where pitfalls are oftentimes hidden and wait to catch you.
If you know for sure that low rate card is exactly what you need, make a step by step research before applying because the amount of offers with alluring rates are high enough. You can also look through low rate credit cards at the site of our partners. Pay your attention to intro and ongoing APR, balance transfer and cash advance options, no annual fee and cash back bonuses. For those who are impatient there are instant approval cards with low rates. Apply now and enjoy the benefits of low rate card!
Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable
* 0% Intro APR* on Purchases and Balance Transfers.** 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more.