Low Interest Credit Card Offers

Low Interest Credit Cards

If you want the lowest interest rate available, you could apply for the American Express Card. Use the Blue Application and you can choose to carry a balance at a low interest rate or pay off your balance in full each month thereby giving yourself the lowest possible interest rate of all, 0%. Here are some other low interest credit card offers available online:

Chase Manhattan Bank - Chase also offers low interest rates on their credit cards if you qualify. The Chase Platinum credit card has an introductory rate of 0%.

Other Low Interest Resources

A Platinum credit card is A credit card that offers a higher line of credit than most gold cards, (generally over $5,000). In addition, issuers provide extra perks or incentives to cardholders. Here are some resources for Platinum credit cards and their specific rates and terms as of the date of this writing.

Everbank - 8.40% - 888-882-3837
Associated Card Services Bank - 8.65% - 800-472-7708
Wachovia Bank - 8.65% - 800-922-4684
Simmons First Natl Bank - 8.95% - 800-636-5151
Atlantic Coast Federal - 9.00% - 904-641-1990
5 Star Bank - 9.75% - 800-776-2265
USAA Savings Bank - 10.00% - 800-922-9092
AT&T Universal - 11.40% - 800-66-APPLY
National City Bank - 11.49% - 800-558-8472

Interest Rate and Your Credit Rating

People with great credit reports obviously get the best deals and the lowest interest rates. In most cases you will find that your rates, fees, penalties, charges and credit limits (you may have to start with something as low as $500) will be worse in relation to how far from perfect your credit rating is.

Credit Card issuers look at more than just your payment history though. They balance the bad aspects of your credit, like late payments, against the good aspects, like a steady job and long-time residence at the same address. So don't assume or accept that you have no choice but to accept those high interest credit card offers.

Don't apply to every credit card company you can find. There are many places to apply for low interest credit cards on the internet and many of those are listed near the top of this page. Too many applications for credit cards can scare creditors (they can easily find how many times you've applied when they access your credit report), especially if you already have some blemishes on your credit report.

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