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® Visa® 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 Excellent 0.00* 18 Mo. on purchases* 11.99-21.99% (Variable)* $0.00* Yes	Blue Cash EverydaySM Card from American Express Earn $100 cash back 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 Excellent 0.00* 12 Mo. on purchases* 17.24-22.24% (Variable)* $0.00* 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 0.00* 7 Mo. on purchases* 12.99-22.99% (Variable)* $0.00* 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
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 0.00* 18 Mo. on purchases* 11.99-21.99% (Variable)* $0.00* Yes	Discover® More® Card 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 -16 years in a row! (2012 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 0.00* 6 Mo. on purchases* 10.99-20.99% (Variable)* $0.00* Yes
Blue Sky from American Express® 7,500 bonus points when you spend $1,000 within 3 months - redeemable for a $100 statement credit. 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. Get a decision in as little as 60 seconds.   Credit Level Intro APR% Intro Period Normal APR% Annual Fee Balance Transfer Excellent 0.00* 12 Mo. on purchases* 17.24-22.24% (Variable)* $0.00* Yes	Citi® Dividend Platinum Select® Visa® Card $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* Earn 5% cash back at The Home Depot and on Home Furnishing and Home & Garden purchases from 4/1/12 to 6/30/12 when you enroll. 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 0.00* 12 Mo. on purchases* 12.99-22.99% (Variable)* $0.00* 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--16 years in a row! (2012 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 0.00* 15 Mo. on purchases* 10.99-20.99% (Variable)* $0.00* 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. on purchases* 9.99% (Fixed)* $0.00* 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 n/a* n/a* 7.25-13.25% (Variable)* $0.00* 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 0.00* 12 Mo. on purchases* 7.50-11.50% (Fixed)* $35.00* 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 0.00* 18 Mo. on purchases* 12.99-21.99% (Variable)* $0.00* Yes