Low Interest Credit Cards - First-Credit-Cards.com

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	Low Interest Credit Cards
	The following Low Interest Credit Cards feature either a low introductory APR or a low fixed rate APR. Apply online among one of the low interest credit cards below

	Blue from American Express®

0% APR for 15 months

No Annual Fee

Low Balance Transfer APR — 4.99% Fixed APR for the life of the balance.

Membership Rewards Express (SM) program — Earn points redeemable for travel, merchandise and more

*See American Express Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	up to 15 months*	As Low As Prime + 3.99%*	None*	Yes*	Excellent Credit*

	Capital One® Platinum Prestige

Variable APR on purchases and balance transfers, currently 7.4%

Your APR will not increase simply because you pay late only once or go over your credit limit

No annual fee and no balance transfer fees

$0 fraud liability for lost or stolen cards

Choose your own card design

*See Capital One Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	7.40%*	None*	Yes*	Excellent Credit*

	Citi PremierPass Card

15,000 bonus points after your first purchase*

0% APR on balance transfers for 12 months

Earn 1 Flight Point for every 3 miles you fly on any airline—or anyone else whose ticket you buy with the card.

Earn 1 Purchase Point for all purchases*

ThankYou Network*

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 months*	13.49%*	None*	Yes*	Good Credit*

	Discover® More Card

0% Intro APR*

5% Cashback Bonus® in categories like travel, home, has, restaurants, movies and more

Up to 1% Cashback Bonus on all other purchases*

$0 Fraud Liability

No Annual Fee

Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners

*See Discover Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	10.99%*	None*	Yes*	Excellent Credit*

	SimplyCash (SM) Business Card

Earn 5% cash back on gas, office supplies and wireless services

Earn 1% on cash back on virtually all other purchases

Cash back is automatically credited to the statement each month

No fee with the flexibility to pay in full or carry a balance

0% introductory APR for the first 12 months

OPEN Savings® : Automatic discounts with FedEx, Delta®, Courtyard by Marriott®, and more

Balance Transfer APR: 7.99% fixed for the life of the transferred balance, but only if transfer is made during the first six months as a Cardmember

*See American Express Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 months*	As low as 0%*	None*	Yes*	Excellent Credit*

	Advanta MasterCard® Platinum BusinessCard

0% Intro APR on Balance Transfers and Purchases for 12 Months

Prime + 5.99% Variable APR thereafter

Up to $50,000 Credit Line

No Annual Fee

$0 Fraud Liability

Personalized card -- your company name on the top of the card

*See Advanta Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 Months*	Prime + 5.99%*	None*	Yes*	Good Credit*

	Advanta Platinum with Rewards BusinessCard

0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR thereafter

7.99% Variable APR on Purchases

Choice of 5% Cash Back or Travel Rewards

No Annual Fee and No Limit on Earnings

$0 Fraud Liability

Personalized card -- your company name on the top of the card

*See Advanta Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	15 Months*	7.99%*	None*	Yes*	Good Credit*

	Anne Geddes Visa® Gold Card

Intro Rate - 1.9% for six billing cycles

No annual fee

A percentage of every purchase will be donated to the non-profit Geddes Philanthropic Trust at no extra cost to you

You are automatically enrolled in the Anne Geddes Rewards Program, where you can earn Anne Geddes merchandise. Earn 2,000 Anne Geddes Rewards points after your first purchase, one point for each dollar in qualifying purchases, and 1,000 anniversary Anne Geddes Rewards Points each year.

*See Bank of America Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
1.9%*	6 months*	P + 2.99%*	None*	Yes*	Good Credit*

	AT&T Universal Savings & Rewards Card

1 ThankYouSM Point for every dollar you spend on non-AT&T purchases

Up to 10% savings for the first 12 months on AT&T purchases

Plus AT&T calling benefits: Up to 30 free phone minutes each month

0% APR on balance transfers for 12 months

No annual fee

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on Balance Transfers*	12 months*	13.24%*	None*	Yes*	Good Credit*

	AT&T Universal Savings Platinum Card

Up to 10% savings for the first 12 months on AT&T purchases

Plus AT&T calling benefits: Up to 30 free phone minutes each month

0% APR on balance transfers for 12 months

No annual fee

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on Balance Transfers*	12 months*	11.24%*	None*	Yes*	Good Credit*

	Blue Cash® from American Express®

Earn up to 5% cash back with unlimited cash rewards

Earn unlimited cash back

0% Intro APR

No Annual Fee

Low balance transfer rate — 4.99% fixed APR for the life of the balance

*See American Express Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	As Low As Prime + 4.99%	None*	Yes*	Excellent Credit*

	Capital One® No Hassle CashSM Rewards

25% annual bonus on the cash you earn during the year

1% cash back on all purchases

No limit on cash back and rewards won’t expire for the life of your account

0% APR on purchases until September 2008. After that, variable APR, currently 16.4%

Request your cash back rewards whenever you want

No annual fee and no balance transfer fees

*See Capital One Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	9 months*	9.40%*	None*	Yes*	Good Credit*

	Chase Business Cash Rewards Card

Earn up to 5% cash back with unlimited rewards potential.

0% APR* on purchases and balance transfers for up to 12 months**

With no merchant or category spending restrictions, you can earn points by shopping wherever you want, for whatever you want.

Pay no annual fee

Receive quarterly management reports

Receive additional cards your employees can use

*See Chase Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	14.24%*	None*	Yes*	Good Credit*

	Chase Business Rebate Card

You will receive 3% cash back for all business purchases you make at any restaurant, gas station, office supply store, building supply store, or hardware and home improvement center.*

1% cash back on all other purchases*

0% Introductory APR for up to 12 months on purchases and balance transfers*

No annual fee*

*See Chase Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 month*	14.24%*	None*	Yes*	Good Credit*

	Chase Platinum MasterCard®

0% Introductory APR on Purchases and Balance Transfers*

Low regular APR*

No Annual Fee*

Free secure online account access and bill pay*

Eligibility to enroll in Chase Travel Rewards where you can earn points for free flights, hotel stays and more*

*See Chase Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% *	12 Months *	14.24%*	None*	Yes*	Good Credit*

	Chase Platinum Visa Card

0% Intro APR*

No Annual Fee

Flexible Rewards Program: Earn one point per eligible dollar spent. Redeem for your choice of Cash Back, Merchandise, Travel or Gift Cards.

Interest-free grace period when you pay your bill in full each month by the payment due date.

FREE Online Account Access

FREE travel services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance

*See Chase Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 Months*	13.74%*	None*	Yes*	Good Credit*

	Chase Visa® Platinum Business Card

Intro 0% Fixed APR for up to 12 Billing Cycles*

Credit Line up to $35,000*

Balance Transfer Savings*

Valuable Cardmember Services*

No Annual Fee*

*See Chase Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 month*	12.24%*	None*	Yes*	Good Credit*

	Choice Privileges® Visa® Platinum Card

No Annual Fee

APR (Purchases): Intro Rate - 1.9% for six billing cycles
- APR (Balance Transfers): Intro Rate - 1.9% for six billing cycles

Earn 24,000 points after your first purchase - enough for 3 free nights at more than 1,000 Choice Privileges locations*

Points per Dollar: 2 points per dollar

Points per Dollar spent at 15 Choice Privileges locations*

Redeem points towards free nights, airline miles, gift certificates, and more

*See Bank of America Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
1.9%*	6 months*	P + 9.99%	None*	Yes*	Good Credit*

	Citi Professional Card with ThankYou Network

No Fee Rewards Program

Get 3 ThankYou Points for every dollar you spend at restaurants, gas stations, on auto rentals and certain office supply merchants.

1 ThankYou Point on every other dollar spent.

Redeem your points for: air travel, statement credit, gift cards and certificates, merchandise or create your own reward.

No balance transfer fee with this offer

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	9 months*	13.49%*	None*	Yes*	Good Credit*

	Citi® Diamond Preferred Card

0% APR* on balance transfers and purchases for up to 12 months*

Citi® Identity Theft Solutions*

$0 Liability on unauthorized purchases*

Secure, free online account management*

No annual fee*

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 months*	As low as 9.49%*	None*	Yes*	Good Credit*

	Citi® Dividend Platinum Select MasterCard

Earn 5% cash back at gas stations, supermarkets and drug stores, convenience stores, and utilities including cable for 6 months and 2% thereafter.

Earn 1% cash back on all other purchases

0% APR* on Balance Transfers for 12 months

No Annual Fee

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 months*	as low as 11.99%*	None*	Yes*	Excellent Credit*

	Citi® Hilton HHonors® Visa® Signature Card

Earn 15,000 Hilton HHonors bonus points - enough for two free nights at participating Hilton Family hotels. Just make a purchase on the card within 60 days of account opening.

Earn 6 Hilton HHonors bonus points for each $1 spent at participating Hilton Family hotels.

Earn two Hilton HHonors bonus points for each dollar spent on other purchases

2.99% APR on purchases and balance transfers for 6 months, then 17.74%.

Complimentary Silver VIP membership for first year of card membership.

Unlike other rewards cards, there's no annual fee

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
2.99%*	6 months*	17.24%*	None*	Yes*	Good Credit*

	Citi® Platinum Select® Card

0% APR* on balance transfers and purchases for up to 12 months*

No annual fee*

Secure, free online account management*

$0 liability on unauthorized purchases*

Apply online and get an instant response*

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 months*	As low as 9.49%*	None*	Yes*	Good Credit*

	Citi® ProfessionalSM Card

0% APR on Purchases & Balance Transfers for 12 Months

Competitive purchase APR

Online Expense Organizer

Quarterly and annual account summaries at no additional cost

Fast, convenient service anytime

*See Citi Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 months*	10.74%*	None*	Yes*	Good Credit*

	Clear from American Express®

No fees of any kind. No annual fee, no late fees, no over-limit fees, no balance transfer fees, no cash advance fees.

Automatic Rewards. You'll get an American Express branded shopping card worth $25 delivered straight to your door every time you spend $2,500.

Flexible Payment Terms. You can pay in full, or carry a balance. The choice is yours.

No annual fee and 0% intro APR for up to 12 months.

World class Cardmember benefits including Purchase Protection Plan, Buyers Assurance Plan, and Return Protection.

*See American Express Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 months*	P + 5.99%*	None*	Yes*	Excellent Credit*

	Discover® Open RoadSM Card

0% Intro APR*

Discover Open Road Card is the only gas card that gives you 5% Cashback Bonus for your gas and auto maintenance purchases

Up to 1% Cashback Bonus on all other purchases*

$0 Fraud Liability

No Annual Fee

*See Discover Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	10.99%*	None*	Yes*	Excellent Credit*

	Efectiva™ Visa®

Intro Rate - 0% for first six billing cycles

Earn 1 point for every $100 in net monthly purchases

Every point earned is $1 back to you (up to $600 annually on monthly purchases and balance transfers)

Earn 5 bonus points with your first purchase

Earn 5 points for every $2,500 in net monthly balance transfers from non-Bank of America accounts

Rewards start at just 25 points (points are redeemed in increments of 25 with no annual cap on point redemption)

25 points equal $25 cash back in the form of a check sent to you or a $25 credit to your Bank of America checking or savings account

*See Bank of America Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	P + 3.99%*	None*	Yes*	Good Credit*

	Make-A-Wish® Visa® Platinum

Intro Rate - 1.9% for six billing cycles

The Make-A-Wish Foundation will receive .65% of all net purchases and a minimum of $2 per open and activated account

No Annual Fee

The most rewarding card you'll ever use.

*See Bank of America Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
1.9%*	6 months*	P + 2.99%*	None*	Yes*	Good Credit*

	Money Return Visa® Platinum

No annual fee

0% fixed introductory annual percentage rate (APR) on purchases and balance transfers (not cash advances) for the first 6 months

All payments you make will be applied to the lowest APR balances first

No fees for balance transfers

At the end of every year, we'll calculate your total interest charges paid and write you a check for 10% of that amount

*See Bank of America Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	P + 3.99%*	None*	Yes*	Good Credit*

	PetRewards Visa®

No Annual Fee

APR (Purchases): Intro Rate - 0% for first six billing cycles

APR (Balance Transfers): Intro Rate - 0% for first six billing cycles

Put your pet's picture on your card or choose from one of three adorable designs

Program Rewards: Earn points toward veterinary services, pet food discount certificates, and shelter donations

*See Bank of America Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months*	P + 2.99%*	None*	Yes*	Good Credit*

	Platinum Business Credit Card from OPEN(SM)

0% APR for the first 12 months

No annual fee

Option to enroll in Fee Free Membership Rewards® Program

There is no limit to the number of points you can earn

Unlimited fee-free Additional Cards

Access to OPEN(SM) Saving program for automatic discounts at select businesses

OPEN Savings®: Automatic discounts with FedEx, Delta®, Courtyard by Marriott®, and more

*See American Express Credit Card Application pages for more details

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	12 Months*	As Low As Prime + 2.99%*	None*	Yes*	Excellent Credit*

	Preferred Rewards Gold Card American Express®