Low Interest Rate credit cards have a lower than average interest rate as the on-going rate. It may or may not have an introductory rate. These credit cards are preferred when an outstanding credit balance is kept on the cards for an extended period of time.

Citi® Platinum Select® MasterCard® 0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.* Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more Citi® Identity Theft Solutions No annual fee*   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Very Good 0* 18 Mo. on balance transfers and purchases* 11.99%-21.99%* (Variable) $0* Yes	Blue Cash EverydaySM from American Express Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership 0% intro APR on purchases for 12 months, flexibility to pay over time Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases No spend minimum, No enrollment, and No rotating rewards categories Get a $25 Referral Bonus for each friend or family member who is approved for the Card No annual fee, flexibility to pay over time   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Very Good 0 on Purchases for 12 Mo. 17.24%-22.24% Variable $0* Yes
Citi Simplicity® Card 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness. Peace of mind through direct access to a service representative, no late fees and no penalty rate No annual fee   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Excellent 0* 18 Mo. on balance transfers and purchases* 12.99% - 21.99%* (Variable) $0* Yes	Citi Forward® Card $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases APR reduction on purchases when using credit wisely No Annual Fee*   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Very Good 0* 12 Mo. on balance transfers* 12.99%-22.99%* (Variable) $0* Yes
Citi Forward® Card 5 ThankYou points for every $1 you spend on restaurants and entertainment. 1 reward point for every $1 you spend on other purchases Up to a 2% purchase APR reduction when you make a purchase, stay under your credit limit and pay on time 3 billing periods in a row Earn 1,000 bonus points when you sign up for Paperless Statements No Annual Fee*   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Very Good 0* 12 Mo. on balance transfers* 12.99%-21.99%* (Variable) $0* Yes	Chase Sapphire® Card Limited Time Offer - Earn 25,000 bonus points after you spend $3,000 in the first 3 months - that's $250 toward a flight or any other reward! 2 points per dollar spend on dining & 1 point per dollar spent on all other purchases. Points never expire and there are no limits on how many points you can earn Redeem points for travel, gift cards, merchandise, cash back and more 24/7 direct access to expert service advisors (No voice recording) No annual fee!   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Excellent n/a* n/a* 15.24% *(Variable) $0* No
Citi® Diamond Preferred® Card 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.* 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass® $0 liability on unauthorized purchases and Citi® Identity Theft Solutions No annual fee*   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Very Good 0* 18 Mo. on balance transfers and purchases* 11.99%-21.99%* (Variable) $0* Yes	Discover® More® Card - Balance Transfer Fee* 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%* 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%* 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply* Discover is ranked #1 in customer loyalty--15 years in row! (2011 Brand Keys Customer Loyalty Engagement Index report) 24/7 access to a U.S.-based Account Manager within 60 seconds $0 Fraud Liability plus automatic mobile and email fraud alert options Great rewards with no annual fee, no rewards redemption fee, and no additional card fee *Click apply to view rates, fees, rewards, limitations and other important information   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Very Good 0* 18 Mo. on Balance Transfers; 6 on Purchases* 10.99% - 20.99% (Variable)* $0* Yes
Blue Sky from American ExpressSM No annual fee Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel- anytime Pay your bill all at once, or over time. It's up to you. Blue Savings Program®: big deals on big brands, all the time Rated "Best Airline Credit Card" by Card Ratings Consumer's Choice Awards in 2010 Get approved in 60-seconds   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Good 0 on Purchases for 12 Mo. 17.24%-22.24% Variable $0* Yes	Chase Sapphire® Preferred Card Limited Time Offer - Earn 50,000 bonus points after you spend $3,000 in the first 3 months- that's $625 toward travel! 2 points per dollar spent on travel and dining & 1 point per dollar spent on all other purchases. Use 20% fewer points when you redeem for travel. Just book your flight, cruise, or other travel through Ultimate RewardsSM No foreign transaction fees Earn a 7% annual points dividend - even on points already redeemed Transfer points you've earned to participating frequent traveler programs at a 1:1 value 24/7 direct access to expert service advisors (No voice recording) No Annual Fee for your first year - A $95 value   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Excellent n/a* n/a* 15.24% *(Variable) $95, waived first year No
Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back $100 cash back after $500 in purchases within the first 3 months of account opening 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness* 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment. Each quarter, you can enroll to earn additional cash back in popular categories. Full 1% cash back on all other purchases and eligible cash advances. No annual fee*   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Very Good 0* 12 Mo. on balance transfers and purchases* 12.99%-22.99%* (Variable) $0* Yes	Discover® More® Card 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%* 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply* Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report) 24/7 access to a U.S.-based Account Manager within 60 seconds $0 Fraud Liability plus automatic mobile and email fraud alert options Great rewards with no annual fee, no rewards redemption fee, and no additional card fee *Click apply to view rates, fees, rewards, limitations and other important information   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Excellent 0* 15 Mo. on purchases & balance transfers* 10.99% - 20.99% (Variable)* $0* Yes
PenFed Promise VISA Card Absolutely No Fees 7.49% introductory purchase APR for first 36 months. After that, the APR will vary with the Prime Rate, and is currently 9.99% APR. No-fee cash advances carry a 17.99% APR No Foreign Transaction Fees Some restrictions apply. You must be a Pentagon Federal Credit Union member to apply. Not a member? It's easy to join.   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Good 7.49 36 Mo. for purchases and balance transfers* 9.99%* $0* Yes	Iberiabank Visa® Classic Card No annual membership fee Low variable rate of 7.25%, 10.25%, or 13.25% based on the creditworthiness. This APR will vary with the market based on the Prime Rate. Low Introductory APR on Balance Transfers of 1.99% for 6 billing cycles. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. Online access to credit card account information   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Excellent 1.99 on balance transfer 6 Mo. on balance transfers 7.25%, 10.25%, or 13.25% $0* Yes
Iberiabank Visa® Select Card Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. This rate will not change during the introductory period. Intro APR on Balance Transfers of 1.99% or 7.50% for the first 12 billing cycles. After that, APR will be the same as your assigned purchase rate, based on your creditworthiness. Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Online access to credit card account information Low Annual Fee of $35.00   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Very Good 0 or 7.50 on purchases; 12 Mo.* 7.50%, 9.50%, or 11.50% $35.00* Yes