Low APR CREDIT CARDS

NOTE:

To be accepted for the following low interest rate credit cards at the stated terms, it will be necessary to have above-average credit. Those with a decent credit history may still be approved for a credit card, although at a slightly higher annual percentage rate (APR). If your credit is below-average, you may wish to visit our Credit Cards for Bad Credit page. It is important to make your payments on time, as most credit card issuers will terminate all introductory offers after two (2) late payments, and default APRs will apply thereafter.

For further details, be sure to read each issuer's Cardmember Agreement. For very useful information regarding APRs, average daily balances, billing errors, unauthorized charges, and other credit card facts, visit the Federal Trade Commission's Choosing and Using Credit Cards page.

Credit Card:

Benefits:

Apply Online:

More Bank of America Credit Cards here

• 8,000 Points awarded after 1^st purchase

• Mini Card available

• 2 points for every $1 on net retail purchases

• Earn 15 points for every dollar spent at Choice Privileges locations throughout the U.S., Canada, & Mexico, including Comfort Inn®, Comfort Suites®, Quality®, Sleep Inn®, Clarion®, Cambria Suites^TM and MainStay Suites® hotels.

• No Annual Fee

• Total Security Protection

• Card issued by FIA Card Services, NA.

*See website for complete terms and conditions of card usage and application disclosure.

More Chase Credit Cards here

• 0% Intro APR*

• No Annual Fee

• FREE Online Account Access

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

*See Card Terms & Conditions

More Capital One Credit Cards here

For customers with above average credit

• 12.9% APR on purchases and balance transfers

• Platinum membership—$0 fraud liability, 24 hour roadside assistance, and more

• No annual fee and no balance transfer fees

• No annual fee and a low competitive annual percentage rate (APR).

• Anytime, Anywhere, Any Airline^SM —air rewards starting at 25,000 points, with no blackout dates.

• Earn 1 point for every $1 spent on net retail purchases and accrue unlimited Merrill Points^SM

Credit Card:

Benefits:

Apply Online:

• 5% to 20% Cashback Bonus at top online retailers*

• Up to 1% Cashback Bonus on all other purchases automatically

• Unlimited cash rewards

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

• No Annual Fee

• Online Account Access

• Online Bill Payment

*View Discover® Card Rates, Fees, Rewards and Other Important Information.

Save at the pump and everywhere else.*

• 5% to 20% Cashback Bonus at top online retailers*

• Up to 1% Cashback Bonus on all other purchases

• Unlimited cash rewards

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

• No Annual Fee

• Online Account Access

• Online Bill Payment

*View Discover® Card Rates, Fees, Rewards and Other Important Information.

• 5% to 20% Cashback Bonus at top online retailers*

• Up to 1% Cashback Bonus on all other purchases automatically

• Unlimited cash rewards

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

• No Annual Fee

• Online Account Access

• Online Bill Payment

*View Discover® Card Rates, Fees, Rewards and Other Important Information.

• 5% to 20% Cashback Bonus at top online retailers*

• Up to 1% Cashback Bonus on all other purchases automatically

• Unlimited cash rewards

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

• No Annual Fee

• Online Account Access

• Online Bill Payment

*View Discover® Card Rates, Fees, Rewards and Other Important Information.

• 5% to 20% Cashback Bonus® at top online retailers

• Up to 1% Cashback Bonus on all other purchases

• Unlimited cash rewards

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

• Free payment by phone

• No Annual Fee

• Online Account Access

• Online Bill Payment

 *View Discover® Card Rates, Fees, Rewards and Other Important Information.

• Book any travel, anytime with no blackout dates or restrictions

• Double Miles on up to $3,000 in travel and restaurant purchases each year

• 1 Mile for every $1 on all your other purchases

• Unlimited Miles that never expire as long as you use your card

• Redeem for travel credits to your account, gift cards from any of our 80 brand-name Partners or cash starting at just 5,000 Miles

• No Annual Fee

• Online Account Access

• Online Bill Payment

*View Discover® Card Rates, Fees, Rewards and Other Important Information.

• 0% Fixed APR for 6 months on Purchases and Balances Transferred Now.*

• 2,500 Bonus Points upon first card use within one year.

• Rewards start at just 2,500 points.

• No annual fee.

• Earn 5 points for every $1 you spend on purchases from ESPN, including ESPN Shop, ESPN Zones, ESPN Sports Concierge Service, and more.

• Earn 1 point for every $1 you spend on other purchases.

• Earn tickets and VIP Access to Sporting Events, Sports Merchandise and Collectibles, Retail, Dining, and Travel Rewards through the ESPN Total Access Rewards Program†.

• Use the FREE ESPN Sports Concierge Service to buy hard-to-get tickets, arrange travel to sporting events, or create your own ultimate fan experience.

Credit Card:

Benefits:

Apply Online:

• Earn Cash Back - 3% for gasoline, 3% for restaurants, 2% for travel, 1% everywhere else, including Costco.

• No Annual Fee with your paid Costco Membership.

• The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card.

• The flexibility to pay charges over time.

• No Limit on the Cash Back earned.

*See Card Terms & Conditions

• Get $50 to jump-start your savings after your first purchase.

• Earn a competitive Annual Percentage Yield (APY), currently 3.50% (variable rate as of 3/4/2008).

• A full 1% of your eligible purchases will be deposited into a High-Yield, FDIC-insured Savings Account opened in your name.

• No annual fee the first year - that's a $35 savings.

• No Preset Spending Limit.

*See Card Terms & Conditions

• Membership Rewards Express^SM program

• 0% APR on purchases for up to 15 months

• No Annual Fee

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

• Blue is your launch pad to standout shopping and entertainment rewards and one-of-a-kind experiences.

• Express Approval. Get a decision in less than 60 seconds.

*See Card Terms & Conditions

• "Best Cash-Rebate Card" by Kiplinger's Personal Finance*

• Up to 5% Cash Back with Unlimited Cash Rewards

• Earn unlimited cash back

• 0% Intro APR for 6 months on purchases

• Low Balance Transfer rate - 4.99% fixed APR for the life of the balance

• No Annual Fee

• Express Approval. Get a decision in less than 60 seconds.

*See Card Terms & Conditions

• No annual fee for the first year - $125 Thereafter

• Earn 10,000 Membership Rewards® bonus points after your first purchase with the card - redeemable for a $100 gift card!

• No Pre-Set Spending Limit

• The Membership Rewards® program - Earn 1 Membership Rewards® point for virtually every dollar you spend. You can redeem points for your choice of truly exceptional travel, shopping, and entertainment rewards.

• Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.

• Global Assist® Plus Hotline and many more benefits included.

• Express Approval. Get a decision in less than 60 seconds.

*See Card Terms & Conditions

• No annual fee for the first year - $95 Thereafter

• Earn 5,000 Membership Rewards® bonus points after your first purchase with the card - redeemable for a $50 gift card!

• The Membership Rewards® program also lets you transfer points to 11 frequent flyer programs: 1 point = 1 frequent flyer mile or frequent guest credit for most programs

• Purchase Protection Plan protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase.

• Many other travel and shopping benefits

• No Pre-set Spending Limit

• Express Approval. Get a decision in less than 60 seconds.

*See Card Terms & Conditions

• Earn one INSIDE^SM Rewards point for virtually every eligible dollar you spend in New York City.

• Points have no expiration date and you can redeem points for rewards in New York.

• Option to carry a balance

• 0% APR for 6 months

• Earn one INSIDE^SM Rewards point for virtually every eligible dollar you spend, whether you're in Chicago or not.

• Points have no expiration date and you can redeem points for rewards in Chicago, New York and Los Angeles.

• 0% APR for 6 months

• No Annual Fee

• Earn one INSIDE^SM Rewards point for virtually every eligible dollar you spend, whether you're in Los Angeles or not.

• Points have no expiration date and you can redeem points for rewards in Los Angeles, Chicago and New York.

• 0% APR for 6 months

• No Annual Fee

• 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.

• Express Approval. Get a decision in less than 60 seconds.

*See Card Terms & Conditions

• No annual fee

• 0% Introductory APR on balance transfers for your first 6 billing cycles

• Earn 1 bonus point for every $1 in net retail purchases and redeem your points for hotel rooms, gourmet dinners, travel, and more

• Earn a full 2% cash back on every single credit card purchase made on Saturdays and Sundays

• 1% cash back on every single credit card purchase made Monday through Friday

• Simple and straightforward: no earnings caps, spending requirements, tiers or point expiration

• Platinum benefits include unlimited purchase protection, extended warranties and rental car insurance

• 0% Introductory APR on balance transfers for 12 months

• No annual fee