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Low Interest Credit Cards
Credit cards with low APR are among the most desirable credit card applications at our site. We present online applications for a variety of low APR plastics. But the majority of them are applications for good score plastics.
Though there are comparatively low interest cards for any credit - fair, limited or no credit score plastics. The best low interest cards are for good FICO score. They include no annual fee, low fixed rate, 0% APR balance transfer, cash back and low rate credit cards with rewards of other types.
The lowest APR applications here come certainly with 0% promotional interest rates. When applying for 0% APR card, you have a great chance to save on your new purchases or on balance transfers within a set period of time. Choose the best credit offer with the lowest APR and apply online!
These cards feature either a low fixed rate APR or a low introductory APR.
| Bank Name Card Name |
Intro APR PURCH. | Intro Period PURCH. | Intro APR BAL.TR. | Intro Period BAL.TR. | APR % | Annual Fee | Apply | |||||||
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0% | for up to 12 months | 0% | Up to 12 months | as low as 13.24% | $0 |
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0% | 6 months | 0% | 12 months | 11.99%± | $0 |
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0% | 6 months | 0% | 6 months± | 11.99%± | $0 |
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0% | for up to 12 months on Purchases | n/a | n/a | as low as 13.24% | $0 |
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| Purch.--Purchases | Bal.Tr.--Balance Transfers | n/a--Not Applicable |
| Selected from all categories: 0 |
Read Before You Apply For Credit Card
At Credit-Land.com we carry the top low interest offers for you to choose the best deal for your personal needs and preferences. You can apply for a plastic of your favorite company, as we have Visa, American Express, MasterCard and Discover credit card application offers.
According to the purpose, credit products with low interest include the best deals for business people, students and rewards credit card applications - frequent flyer, gas, and hotel rewards plastics, many of them with the possibility of balance transfers. For foreigners there are also UK and Belgian plastics with lowest interest rates this category may have.
Online applications are convenient as you can choose one deal among the variety of the offers. But before this you should check your payment history and your FICO score. It's important to avoid application for a plastic not eligible for your type of score. That's why if you have bad score, you'd better apply for a secured credit card, not low APR one, in order to improve your rating instead of damaging it.
Another tip concerning applying for a plastic: apply for offers that meet your demands, and match your lifestyle and financial status.
If you apply online for credit offer, say, a Platinum one, be ready to pay more, but receive more additional services or rewards. Banks, offering you some extra special perks, have to make up for these expenses. That is why they accrue higher rates and fees.
If you decide to apply online for a low APR plastic at our site, you will make the right choice, because our applications are secure and convenient - you do not risk your private information. We provide detailed and reliable information on each plastic and you send your application online instead of going to the bank.
Credit Card Types
The first step in choosing the best deal is realizing that there is a variety of different plastics available. Here are some of the most popular types of credit products:
Balance transfer credit cards are popular among cardholders looking for better interest rate deals. Balance transfers enable you to transfer and consolidate your current card balances onto a single, lower APR credit card and pay off your debts on better interest rate terms. Besides 0% introductory APRs on balance transfers, you may also qualify for other card benefits such as no annual fees and rewards.
Low-interest credit cards are designed for those who tend to run credit card balances. They typically offer 0% introductory APRs for 6 or 12 months or a low fixed interest rate for life. A low interest rate card can save you hundreds of dollars in interest charges, as long as you pay your balances on time.
Cash-back credit cards are a type of reward card that offers the opportunity to earn free cash on everyday spending. Each time you put a purchase on your card, you receive a percentage of the purchase price back in the form of credit to your account or a check. You can then use the cash received for more purchases or to invest in a high-yield savings account.
Reward credit cards work in a similar way to cash back cards. Among the most popular card rewards offered are: frequent flyer miles, points and hotel rewards. Again, you make a purchase and each dollar spent brings you a mile or a point. You can even increase the rewards by using your credit card properly. For example, you may collect more miles using your frequent flyer plastic for travel-related purchases.
Airline mile or frequent flyer credit cards work much like the deals sponsored by various airlines. The basic difference is that by using a frequent flyer card you accumulate miles on any airline you wish to fly with. So, you are not tied to a single carrier, and you can choose when and where to fly. Miles accumulated based on your card purchases can then be redeemed for free travel.
Pre-paid cards look like a standard credit card but in fact do not offer a revolving credit line. Much like with gift cards, you just deposit a certain amount into your prepaid card's account and replenish it when needed. You cannot spend more than is in your card’s account, and so cannot get into debt. The best prepaid cards also come with credit-building programs and rewards.
Secured credit cards offer a revolving credit line but require initial collateral in the form of special security deposit. The amount of the deposit you make determines your credit line, and each time you default on your secured card, the bank withdraws funds from the deposit.
- Don't apply for multiple credit cards over a short period of time.
- Don't apply for a card you're not likely to get.
- Applying for a credit cards and being declined only damages you credit.
Know Your Credit Score, we recomment that you check the credit score before you apply.
A credit score is simply a numerical representation of your credit worthiness. The majority of lenders use some sort of credit scoring model to help predict what kind of credit risk you may be. In most cases your credit score will determine whether or not you will be approved for a credit card.
pay off my balance?
This credit calculator can help you manage your money by showing you:
- How long it could take to repay a credit card balance based on your monthly payment.
- The payment required if you want to repay the balance over a shorter period of time.
Q: I have applied for a credit card but my application was rejected... What now?
A: Order your Free Credit Report and or Credit Score. It will provide you with information that will put you on the path of building your credit history and increasing your credit worthiness.
A CONFUSING TERM?
Look it up in our
Credit Card Glossary!
