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low interest credit cards
People who have low interest credit cards are people who want to save money. It is that simple. By dropping your interest rates on credit card balances, the potential for saving money can grow quite a bit. Anybody who appreciates the value of money and just doesn’t want to have to pay anymore money than what they have to, will seek low interest rates.
Potential money earned from low interest credit cards
Most credit card companies charge incredibly high interest rates to their customers. This is how they make all their money. It is certainly not uncommon the see interest rates well above 15%. This, seems normal to us because we see it all the time, but to sit back for a second and really look at that figure and think about, it is absolutely huge.
Think like this. You have a credit card balance of $5,000. You pay an annual percentage rate of 15%. The amount you now owe, the amount you now have to pay is $5,750. You are now paying almost $6,000 just to get rid of that initial sum of $5,000. It is a large amount of money on top of a large sum. But what if your interest rate was 10%. You now have to pay $5,500. You have instantly save $250 by negotiating and attaining a lowered interest rate. Think about shaving off an additional 2% if you had the interest rate down to 8%. That is even more money saved.
By saving a few hundred dollars per year with low interest credit cards, not only does it make paying off that credit card balance easier and faster, but it is simply extra money in the bank for you. Everybody can use an extra few hundred dollars, there is no doubt they will find use for it.
When should people get low interest credit cards?
The answer to that question is right away. As soon as possible. It is never too soon start saving money with low interest credit cards, no matter what the reason. If you are looking to make a strong attempt to pay of that credit card balance, a low interest rate will make it that much faster. By saving perhaps hundreds of dollars you are gaining money to put towards that initial debt.
Low interest credit cards should be sought out by everybody as soon as possible so they can save money.
- 0% intro APR on Balance Transfers for 18 months
- 0% intro APR on Purchases for 6 months
- No annual fee credit card
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
| 0% | 18 months on Balance Transfers; 6 months on Purchases | 10.99% - 20.99% | No annual fee credit card | $0 | Excellent Credit |
- Best Airline Credit Card for Airline Miles
- Earn two miles on every dollar spend every day
- The miles can be redeamed for any travel expense
- Earn 10,000 bonus miles if spend 1000USD in the first 3 months when the card is enabled
- No limit on the miles you can earn and miles won't expire
- The miles can be used to earn free fight on any airlines without blackout date
- No foreign transaction fees
- No annual fee for first year
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
| N/A | N/A | 11.9% - 19.9% (V) | $59, No Annual Fee For the 1st year | Yes | Excellent Credit |
- Zero percent introductory APR on purchases and balance transfers for 6 months
- Earn 12,000 bonus miles - Get 1,000 miles every month if you make at least a purchase for your first year
- Credit card with no annual fee
- Earch 2 miles on travel and restaurant spent on your first 3000USD every year, Earn 1 mile on every 1USD spent
- No limit on the Miles you earn and Miles don't expire*, Fly on any airline any hotel with no blackout dates
- No Annual Fee, No Overlimit Fee, No Redemption Fee
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
| 0% | 6 months on purchases & balance transfers | 10.99%-16.99% | No Annual Fee Credit Card | Yes | Excellent Credit |
- Earn 1.25 miles on every dollar spend with the card
- Earn 10,000 free bonus miles, which is equal to $100 in travel
- Miles can be redeemed for hotels, flight tickets, car rentals and a lot of more options
- Zero percent introductory APR with purchase
- This card has no foreign transaction fee - Good For Travelers
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
| 0% Intro APR on Purchase | 0% | 11.9% - 19.9% (V) | None | Yes | Excellent Credit |
- Earn three points on every dollar spend on eligible orbitz.com bookings
- Earn one point on every dollar on any other spending
- There is no limit on the points you can earn and points will never expire
- Points can be redeemed for Gift Cards, Travel, Merchandise and much more
- No Annual Fee
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
| 0% intro APR on purchases* | until December 2011* | 13.9% - 19.9% (V)* | None* | Yes* | Excellent Credit* |
- The top choice for people with good or fair credit
- Zero percent intro APR on purchas for 9 months
- One percent bonus cashback rewards with all credit card purchase
- Accepted with more than million of worldwide locations
- Account can be accessed online
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
| 0.00% | 9 months | 19.90% | $0-$39, based on creditworthiness | Yes | Fair Credit |
- Zero percent introductory and purchase APR until end of 2011
- If the card is lost or stolen, card owner has 0 Fraud Liability
- 24/7 roadside assistance, 24/7 emergency and travel assistance help you ad card replacement and cash advance
- Travel accident insurance
- No annual fee
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
| 0% intro APR on purchases and balance transfers | until August 2012 | 10.9% - 18.9% | None | Yes | Excellent Credit |
- Earn 5 percent cash back bonus in categories such as gas, groceries, restaurants, travel and lot more
- Zero percent Inroductory APR on purchase for 7 months
- Earn 1 percent Cashback Bonus on everything you buy with the card, no limitation
- Apply online, Get response in 1 minutes
- No Annual Fee
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
| 0% on Purchases | 7 months | as low as 13.99% (V) | None | N/A | Fair Credit |
- Earn 20,000 bonus ThankYou@ rewards points after 1000USD purchasees in the 3 months after account opening. The rewards points can be redeemed to 200USD in gift cards or lot of other great rewards
- One ThankYou@ point for each 1USD you spend with the card
- Get 1.2 points - a 20 percent more points on very dollar spent when you use the card at supermarkets, drugstores and gas stations.
- Earn rewards for the mileages you fly if you buy the ticket with your card
- No Foreign transcation fee on purchase
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
| N/A | N/A | 13.99%-21.99% (Variable) | $125; waived for the first year | N/A | Excellent Credit |
- Get 50000 free bonus rewards points after you make $3000 purchases in the first 3 moths - $625 worth towards airfare or hotel accommodations
- The rewards points are 25% more if you book flight online from Ultimate Rewards
- Get a 7 percent points dividend annually - even on points that are already redeemed
- Double points earned on hotel and airfares booked from Ultimate Rewareds and 1 point for any other purchase
- Pay no foreign transaction fees when using the card outside of USA
- Free for the 1st year, then $95 per year
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
| N/A | N/A | 15.24% Variable | $0 for the first year, then $95 | Yes | Excellent Credit |
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