LowCards.com is the leading consumer resource for credit card information. For over seven years, we have been researching thousands of credit card offers and rates to find the best credit cards. We provide two valuable resources: a list of the top cards in each of the credit card categories along with an unbiased opinion on every card; and the Complete Credit Card Index where you will find the current rates of all 1260+ credit cards available in the United States. Below you will also find the number one card for Low Interest Credit Cards, Balance Transfer Credit Cards, Airline Credit Cards, Cash Back Credit Cards and Low Introductory Rate Credit Cards. You can use a secure application to apply online for most of the credit cards on our site.
The Complete Credit Card IndexA list of all 1260+ Credit Card Rates in the US |
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Capital One® Platinum Prestige
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| Interest Rate: | 8.90% |
|---|---|
| Intro Rate: | 0% APR on Purchases and Balanc |
| Grace Period: | 25 Days |
| Credit Limit: | up to $20,000 |
| Annual Fee: | None |
Our Opinion: One of the lowest rates available in the United States. This card is at the top of our list because it has a higher approval rate for applications than other low interest credit cards. That means you have a much better chance of getting approved for what you applied for. The intro rate is also one of the lowest in the US at 0%. The intro rate applies to balance transfers and purchases, making this a good choice for carrying a balance or transferring a balance from a card with a higher rate - but be advised they are charging a 3% fee for balance transfers. Additional benefits include roadside assistance and extended warranties for purchases.
Discover® More(SM) Card
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| Interest Rate: | 10.99% |
|---|---|
| Intro Rate: | 0% Intro APR* |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | up to $50,000 |
| Annual Fee: | None |
Special Offers: There is a 0% introductory APR* on purchases for 6 months and a 0% introductory APR* on balance transfers for 12 months. See terms and conditions for complete details.
Our Opinion: Created for those with very good credit who want a cash reward card. 5% Cashback Bonus® in categories like travel, gas, restaurants, home, apparel, and movies (categories rotate every 3 months). Earn up to 1% Cashback Bonus® on general purchases. Cashback rewards: $25-1,500-.25%, $1,500-3,000-.50%, over $3,000- 1%. Redeem in $20 increments; no limit for amount earned. Double your Cashback Bonus® when you redeem points with partners such as AMC Theaters, Borders Books and Music, Pier 1, Gap and Red Lobster. Benefits include travel accident insurance, auto rental insurance, and various security and fraud protection services. This card will benefit those who pay off their balance each month, spend at least $3,000 a year (to receive the 1% cash rebate) and use their cashback awards at participating retailers (to receive double cash rebates).
Miles by Discover® Card
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| Interest Rate: | 10.99% |
|---|---|
| Intro Rate: | 0% Intro APR* |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: There is a 0% introductory APR* on purchases and balance transfers for 6 months. See terms and conditions for complete details.
Our Opinion: Created for those with good credit who want a travel reward card with a low interest rate. Earn 1 mile per $1 spent on regular purchases. Redeem miles for reduced or free airfare most major U.S. airlines (no blackout dates). Receive 12,000 bonus miles. Double Miles on up to $3,000 in restaurant and travel purchases each year. Earn up to 60,000 miles per year; unused miles will expire in 3 years if the account is inactive. 30,000 miles for round-trip coach ticket. You can also redeem miles for cash, merchandise or gift cards such as $100 Home Depot gift card (14,400 miles) or 1 night stay at a Marriott Hotel (14,900 miles). Benefits include travel accident insurance (up to $500,000), and auto rental insurance.
Capital One® No Hassle Cash(SM) Rewards
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| Interest Rate: | 16.90% |
|---|---|
| Intro Rate: | 0% on Purchases until June 200 |
| Grace Period: | 25 Days |
| Credit Limit: | up to $3,000 |
| Annual Fee: | $29 |
Special Offers: A 0% introductory rate is available on purchases until June 2009. See terms and conditions for complete details.
Our Opinion: This card is created for those who have had past credit problems and are rebuilding their credit. This card also offers cash rewards, earn 1% cash back on purchases and a 25% bonus on cash earned in the prior year. Earn unlimited cash back with no expiration date. $29 annual fee. Benefits include travel accident insurance, extended warranties for purchases, and roadside assistance.
Capital One® Platinum Prestige
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| Interest Rate: | 8.90% |
|---|---|
| Intro Rate: | 0% APR on Purchases and Balanc |
| Grace Period: | 25 Days |
| Credit Limit: | up to $20,000 |
| Annual Fee: | None |
Our Opinion: One of the lowest rates available in the United States. This card is at the top of our list because it has a higher approval rate for applications than other low interest credit cards. That means you have a much better chance of getting approved for what you applied for. The intro rate is also one of the lowest in the US at 0%. The intro rate applies to balance transfers and purchases, making this a good choice for carrying a balance or transferring a balance from a card with a higher rate - but be advised they are charging a 3% fee for balance transfers. Additional benefits include roadside assistance and extended warranties for purchases.
Blue from American Express®
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| Interest Rate: | As low as 10.99% |
|---|---|
| Intro Rate: | 0% APR for Up to 12 Months |
| Grace Period: | 20 Days |
| Credit Limit: | up to $100,000 |
| Annual Fee: | None |
Special Offers: The introductory rate for purchases varies and will be 12 months or 6 months. A 12 month 2.99% introductory rate is available on balance transfers submitted during the application process.
Our Opinion: One of the best reward cards available with one of the lower interest rates for a reward card. 12 or 6 months intro period, determined by a review of your application and credit score. Balance transfer fee is 3%.(The Membership Rewards Express program is free and offers the best variety of rewards in the industry. Receive 1 point per $1 spent. Earn unlimited points; points do not expire. Benefits include purchase protection, discounts at select retailers and merchants, auto rental insurance, travel and emergency services, and a year-end financial statement. This card will benefit those who qualify for the lowest rate offered and plan to take advantage of the additional benefits and discounts available.
Capital One® No Hassle Miles(SM) Ultra-For Professionals
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| Interest Rate: | 9.90% |
|---|---|
| Intro Rate: | 0% on Purchases Until January |
| Grace Period: | 25 Days |
| Credit Limit: | up to $30,000 |
| Annual Fee: | $39 |
Our Opinion: Created for professionals with excellent credit who want to earn airlines miles, cash, or gift card rewards. One of the most generous reward offers: 2 miles per $1 spent on all purchases. Earn unlimited miles each year; miles do not expire. Use miles on any airline, anytime. There are no seat restrictions or blackout dates. Miles may also be redeemed for cash, merchandise, or gift cards. Benefits include purchase insurance and emergency roadside assistance. No fee for balance transfers.
Blue from American Express®
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| Interest Rate: | As low as 10.99% |
|---|---|
| Intro Rate: | 0% APR for Up to 12 Months |
| Grace Period: | 20 Days |
| Credit Limit: | up to $100,000 |
| Annual Fee: | None |
Special Offers: The introductory rate for purchases varies and will be 12 months or 6 months. A 12 month 2.99% introductory rate is available on balance transfers submitted during the application process.
Our Opinion: One of the best reward cards available with one of the lower interest rates for a reward card. 12 or 6 months intro period, determined by a review of your application and credit score. Balance transfer fee is 3%.(The Membership Rewards Express program is free and offers the best variety of rewards in the industry. Receive 1 point per $1 spent. Earn unlimited points; points do not expire. Benefits include purchase protection, discounts at select retailers and merchants, auto rental insurance, travel and emergency services, and a year-end financial statement. This card will benefit those who qualify for the lowest rate offered and plan to take advantage of the additional benefits and discounts available.
Capital One® No Hassle Miles(SM) Ultra-For Professionals
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| Interest Rate: | 9.90% |
|---|---|
| Intro Rate: | 0% on Purchases Until January |
| Grace Period: | 25 Days |
| Credit Limit: | up to $30,000 |
| Annual Fee: | $39 |
Our Opinion: Created for professionals with excellent credit who want to earn airlines miles, cash, or gift card rewards. One of the most generous reward offers: 2 miles per $1 spent on all purchases. Earn unlimited miles each year; miles do not expire. Use miles on any airline, anytime. There are no seat restrictions or blackout dates. Miles may also be redeemed for cash, merchandise, or gift cards. Benefits include purchase insurance and emergency roadside assistance. No fee for balance transfers.
Capital One® No Hassle Points(SM) Rewards
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| Interest Rate: | 16.90% |
|---|---|
| Intro Rate: | 0% on Purchases until June 200 |
| Grace Period: | 25 Days |
| Credit Limit: | up to $3,000 |
| Annual Fee: | $29 |
Special Offers: A 0% introductory rate is available on purchases until June 2009. See terms and conditions for complete details.
Our Opinion: Created for those with limited credit history who want a card with a good rewards program. Earn 5 points per $1 spent at gas stations, drug stores, and major grocery stores. Earn 1 point per $1 spent on all other purchases. Use points for cash, travel, gift cards and merchandise. Earn unlimited points each year; points do not expire.
