Low Interest Credit Cards - Benefits and Detailed Descriptions

By: Jagan babu vasudevan

Generally the credit card interest rates are higher than any other loan. But, the customer need not worry about the interest rates, if he make the payment within a month. The credit card interest rates vary from card to card. The interest rate increases based on the customer's outstanding payable amount.

Nowadays there are lot of credit card companies established and introducing hundreds of . This trend led to a severe competition among these companies. So, inorder to attract new customers and to make their existing customers to remain, the companies offer variety of incentives to the consumers like cash back, 0% balance transfer fee and low interest rate etc.. Among all these special incentive schemes, the term attracting more consumers. There are many credit cards which offer credits at low or 0% interest rates. Lets see the benefits and detailed descriptions of some of the specific offers.

Discover® More Clear Card: This card offers 0% Intro APR for purchases and Balance Transfers for 12 months and 5% cash back bonus on purchases in popular categories that change four times a year like home, apparel and more. Provides up to 1% cash back bonus on all other purchases automatically and unlimited cash rewards that never expire. Provides $0 fraud liability guarantee and easiest online account management options. There is no annual fee and the card members can DOUBLE their cash back bonus (turn $20 into $40) when they redeem for gift cards or certificates from 70 brand name partners.

Union Plus® MasterCard: This card offers FREE rewards program designed for hard-working union members. The card members get 2,000 bonus points after first purchase, more than halfway to a $25 Gift Card. Also earns 1 point for every dollar spent anywhere and Earns 2 Points for every dollar spent at gas stations, grocery stores, and drug stores. There are no balance transfer Fees and APR stays FIXED until the balance is paid in full. There is 1.99% introductory APR on new purchases. There is no annual fee and no liability for unauthorized use.

Discover® More Card: This card offers 0% Intro APR for Purchases and Balance Transfers for 12 months and 5% Cashback Bonus on purchases in popular categories that change four times a year like home, apparel and more. Provides up to 1% Cashback Bonus on all other purchases automatically. Provides $0 Fraud Liability Guarantee and easiest online account management options. There is no annual fee. The card members can DOUBLE their Cashback Bonus (turn $20 into $40) when they redeem for gift cards or certificates from many of the 70 brand name partners.

Discover® More American Flag Card:This card offers 0% Intro APR for purchases and balance transfers for 12 months and 5% Cashback Bonus on purchases in popular categories that change four times a year like home, apparel and more. Provides up to 1% Cashback Bonus on all other purchases automatically and unlimited cash rewards that never expire. Provides $0 fraud liability guarantee and easiest online account management options. There is no annual fee and the card member can DOUBLE their Cashback Bonus (turn $20 into $40) when they redeem for gift cards or certificates from many of the 70 brand name partners.

Discover® More Wildlife Card: This card offers 0% Intro APR for purchases and balance transfers for 12 months and 5% Cashback Bonus on purchases in popular categories that change four times a year like home, apparel and more. The card member will earn up to 1% Cashback bonus on all other purchases automatically and also eligible for unlimited cash rewards that never expire. Provides $0 Fraud Liability Guarantee.

Discover® Student Monogram Card: This card provides the option to choose your personalized card design. Provides 0% Intro APR on purchases for 6 Months and there is no annual fee. Provides $0 Fraud Liability Guarantee and easiest online account management options. The card members will earn 5% Cashback Bonus® on purchases in popular categories that change four times a year like home, apparel and more and earns up to 1% Cashback Bonus on all other purchases automatically.

Discover® Business Miles Card: This card offers 0% Intro APR on card purchases and there is no annual fee. The card members will earn Double Miles on travel and gas and get up to 1 mile per dollar on all other purchases. There are no restrictions on any airline, any date, any seat.

Chase Freedom Cash: This card offers 05 intro APR and the APR period is for 6 months. There is no annual fee. The card member can Earn 3% cash back for every eligible $1 spent in purchases at Grocery Stores, Stock up on food, household goods and more. Also earn 3% cash back for gas station purchases such as using the card for fuel, repairs, car washes, and other purchases. The same 3% cash back offers also applicable for purchases at Quick Service Restaurants, the rewards add up fast from pizza to hamburgers to tacos - even sandwich shops, coffee houses and more. The card members earn 1% cash back for every $1 spent in purchases everywhere else. The card members get a $50 Check once they have earned $50 in rewards. The card members can save up to $200 in rewards and redeem for $250 cash back.

Chase Freedom Points: This card offers the members to earn 3 Points for every eligible $1 spent in purchases at 1.Grocery Store purchases like Stock up on food, household goods and more. 2.Gas Station purchases such as using the card fuel, repairs, car washes, and other purchases. 3.Quick Service Restaurant such as, rewards add up fast from pizza to hamburgers to tacos - even sandwich shops, coffee houses and more. The card members will earn 1 point for every $1 spent in purchases everywhere else and the card members can reward themselves with as few as 1,000 Points. Provides 0% APR for up to 6 months. There is no annual fee.

Chase Platinum Visa® Card: This Card offers 0% Intro APR for up to 12 months on purchases and balance transfers. The time period for the introductory APR and the balances to which it will apply will be based on the review of applicant's application and credit history. There is no annual fee. Provides Flexible Rewards Program like the the card member earns one point per dollar spent. Provides redeem for the card users choice of Cash Back, Merchandise, Travel or Gift Cards. Also provides FREE Online Account Access and FREE travel services including Auto Rental Insurance and worldwide Travel Accident Insurance.

Bank of America Visa® Platinum Plus®: This card offers 0% Intro APR on purchases and balance transfers for the first 6 months and there is no annual fee. Provides Credit lines as high as $25,000 to its card members. Also provides online banking service and total security protection.

The Advanta Platinum Business Custom Card: This card provides the option to its applicants to select their favorite image. This card offers 0% APR for 15 Months and 7.99% Fixed APR there after. The card members will earn 5% Cash Back or Travel Rewards and there is no annual fee.

Financial Rewards® Visa® Platinum Plus® Card: This card offers 0% Intro APR on purchases and balance transfers for the first 6 billing cycles. The card members will earn 5 bonus points with their first purchase and the earned points do not expire for 5 years. Provides online banking service and total security protection. There is no annual fee.

Citi® Platinum Select® Card for College Students: This card offers 0% APR for Six Months and no balance transfer fee with this Offer. Provides free online account management and $0 liability on unauthorized purchases. There is no annual fee.

Citi® Platinum Select® Card: This card offers 0% APR on purchases and balance transfers for Twelve Months and $0 liability on unauthorized purchases. There is 11.24% APR after the introductory period. Provides secure and free online account management. There is no annual fee.

Citi® Driver's Edge® Platinum Select® Card: The card members will earn rebates for Every Mile Driven and the rebates can be applied toward car maintenance, or to buy or lease a New or Used Car. Provides 6% rebates on gas station, Supermarket, and Drugstore Purchases for 12 Full Months, 3% Rebates after, and 1% Rebates on all other purchases. Provides 0% APR on balance transfers for 12 full months. The Rebates can also be applied to the Thank You Network.

Citi® Diamond Preferred® Rewards Card: This card offers $50 Gift Card - Redeem 6,000 Bonus Points after first purchase. Provides 0% APR on balance transfers for twelve months. The card members will earn five bonus ThankYou Points for every dollar spent at supermarkets, drugstores and gas stations for 12 months and earn one bonus ThankYou Point for every dollar spent on all other purchases. There is no annual fee.

Citi® Hilton HHonors® Visa® Signature Card: This card offers 15,000 Hhonors Points with the very first purchase. The card members earn Double Dip® and receive both Hilton HHonors Points and Airline Miles for the same stay at Over 2,500 hotels and more than 55 participating airlines. The card members will earn three HHonors Bonus Points for every dollar spent using the card at Hilton Family Hotels, plus two HHonors Bonus Points for every dollar spent on other purchases. Provides complimentary silver VIP membership for the first year. There is no annual fee.

Pulaski Bank Visa Gold: This card provides 9.50% low rate APR and 0% balance transfer. There is no annual fee.

Pulaski Bank MasterCard® or VISA®: This card provides 7.99% low rate APR and 0.0% introductory APR on all balance transfers. This card is rated as the best credit card rate in the country. There is no fee on balance transfers.

TrueEarningsSM Card from Costco and American Express: The card members will earn 3% Cash Back for eating out, 2% for traveling, and 1% everywhere else, including at Costco. There is no annual fee with the paid Costco memberbership. Provides flexibility to pay charges in full each month or over time and no limit on the cash back earned. The card members can doubles as their costco membership card. The applicants must be a costco member to apply for this card.

Orchard Bank Low APR Platinum MasterCard: This card offers low 8.9% APR on all card offers, including Gold, Silver and Secured. The exact fees dependent upon creditworthiness. Provides the card members choice of payment due date to fit their lifestyle and flexible payment options. Provides 100% fraud liability protection and other great benefits included.

SNAPâ„? MasterCard: This card offers 0% Intro APR on purchases and balance transfers for 6 months for qualifying applicants and the rates shown for Platinum and other rates apply for Gold, Silver or Secured. Provides 100% fraud liability protection and 24/7 online account management. Provides complimentary built-in Tap-N-Goâ„? technology. The applicants can get the card in as little as 3 days for most cards (rush fees will apply).

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