The credit cards in our Low Rate category feature an APR below 10%. Generally, cards with a rate below 10% require an above average credit score.
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Intro
Intro
APR
Annual
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Rates & Fees
Purchase APR:
7.25% (Fixed)
Annual Fee:
$0.00
Introductory APR:
*
Intro Period:
*
Transfer APR:
*
Transfer Fee:
*
Transfer Intro APR:
*
Transfer Intro Period:
*
Cash Advance APR:
*
Grace Period:
25 Days
Cash Advance Fee:
3.00%, $4.00 minimum, $50.00 maximum
Late Payment Fee:
$29.00
Over Limit Fee:
$29.00
Returned Check Fee:
*
Foreign Conversion Rate:
N/A
Default/Penalty APR:
N/A
As of 5/09
Simmons First Visa Platinum [more details]
N/A
N/A
7.25%(Fixed)
$0.00
Rates & Fees
Purchase APR:
As low as 8.75% - 15.25%
Annual Fee:
None
Introductory APR:
N/A
Intro Period:
N/A
Transfer APR:
As low as 8.75% - 15.25%
Transfer Fee:
See Terms*
Transfer Intro APR:
1.99%
Transfer Intro Period:
6 Billing Cycles
Cash Advance APR:
*
Grace Period:
*
Cash Advance Fee:
See Terms*
Late Payment Fee:
See Terms*
Over Limit Fee:
*
Returned Check Fee:
*
Foreign Conversion Rate:
See Terms*
Default/Penalty APR:
*
Offer Details
Variable Rate APR ranging from Prime + 5.5% thru Prime + 12.00% No annual membership fee Low Introductory APR on balance transfers for the first 6 billing cycles. Applies to balance transfers processed within three months of your account open date No transaction fee for balance transfers 25 day grace period Online access to credit card account information
Other Incentives
As of 7/09
IBERIABANK Visa® Classic Card [more details]
N/A
N/A
As low as 8.75% - 15.25%
None
Rates & Fees
Purchase APR:
8.95% (Fixed)
Annual Fee:
$0.00
Introductory APR:
*
Intro Period:
*
Transfer APR:
8.95%
(Fixed)
Transfer Fee:
*
Transfer Intro APR:
*
Transfer Intro Period:
*
Cash Advance APR:
*
Grace Period:
25 Days
Cash Advance Fee:
3.00%, $4.00 minimum, $50.00 maximum
Late Payment Fee:
$29.00
Over Limit Fee:
$29.00
Returned Check Fee:
*
Foreign Conversion Rate:
N/A
Default/Penalty APR:
N/A
Rewards
Reward Type:
Hotel/Travel
Reward Info:
Cardholders who enroll in the program receive one point per net dollar spent on their VISA Platinum Rewards credit card The cardholder has their choice of any U.S. based airline, no black out dates, choice of ticket class, and no seating restrictions Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants The program offers a one-stop process for redemption and is supported by a toll-free service number (excludes business accounts)
Terms & Conditions
Additional information including the complete terms and conditions are available through the 'Apply Now' link above.
As of 5/09
Simmons First Visa Platinum Travel Rewards [more details]
N/A
N/A
8.95%(Fixed)
$0.00
Rates & Fees
Purchase APR:
As low as 9.75% - 16.25%
Annual Fee:
None
Introductory APR:
N/A
Intro Period:
N/A
Transfer APR:
As low as 9.75% - 16.25%
Transfer Fee:
See Terms*
Transfer Intro APR:
1.99%
Transfer Intro Period:
6 Billing Cycles
Cash Advance APR:
*
Grace Period:
*
Cash Advance Fee:
See Terms*
Late Payment Fee:
See Terms*
Over Limit Fee:
*
Returned Check Fee:
*
Foreign Conversion Rate:
See Terms*
Default/Penalty APR:
*
Offer Details
Variable Rate APR ranging from Prime + 6.5% thru Prime + 13.00% Earn 1% in cash back credit on all qualifying purchases No limit on cash back; no expiration date on eligibility for accounts in good standing Travel accident coverage up to $500,000 No annual membership fee Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.No transaction fee for balance transfers 25 Day grace period Online access to credit card account information
Other Incentives
As of 7/09
IBERIABANK Visa® Gold Card [more details]
N/A
N/A
As low as 9.75% - 16.25%
None
Rates & Fees
Purchase APR:
As low as 9.75% - 16.25%
Annual Fee:
None
Introductory APR:
N/A
Intro Period:
N/A
Transfer APR:
As low as 9.75% - 16.25%
Transfer Fee:
See Terms*
Transfer Intro APR:
1.99%
Transfer Intro Period:
6 Billing Cycles
Cash Advance APR:
*
Grace Period:
*
Cash Advance Fee:
See Terms*
Late Payment Fee:
See Terms*
Over Limit Fee:
*
Returned Check Fee:
*
Foreign Conversion Rate:
See Terms*
Default/Penalty APR:
*
Offer Details
Variable Rate APR ranging from Prime + 6.5% thru Prime + 13.00% Earn 1 bonus point for every $1 in qualifying net retail purchases Turn your points into hotel, gift, or experience rewards Travel accident coverage up to $1,000,000 No annual membership fee Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date. No transaction fee for balance transfers 25 day grace period Online access to credit card account information
Other Incentives
As of 7/09
IBERIABANK Visa® Platinum Card [more details]
N/A
N/A
As low as 9.75% - 16.25%
None
Rates & Fees
Purchase APR:
11.99% - 18.99%
Annual Fee:
None
Introductory APR:
0%
Intro Period:
Up to 6 months
Transfer APR:
11.99% - 18.99%
Transfer Fee:
3%*
Transfer Intro APR:
0%
Transfer Intro Period:
Up to 6 months
Cash Advance APR:
*
Grace Period:
*
Cash Advance Fee:
3%, $5 minimum*
Late Payment Fee:
$19+
Over Limit Fee:
*
Returned Check Fee:
*
Foreign Conversion Rate:
See Terms*
Default/Penalty APR:
*
Offer Details
Help protect the planet with the new biodegradable Discover Card Card plastic breaks down 99% within five years in landfill conditions Earn more cash in more ways than anyone else(SM)* Unlimited cash rewards, automatically Up to 20% Cashback Bonus® when you shop online* Double rewards with more than 100 Cashback Bonus Partners* Customer Service in less than a minute, anytime you want 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers
Other Incentives
As of 7/09
Biodegradable Discover® More Card [more details]
0%
Up to 6 months
11.99% - 18.99%
None
Rates & Fees
Purchase APR:
As Low As 11.99%
Annual Fee:
None
Introductory APR:
0%
Intro Period:
up to 12 Months
Transfer APR:
As Low As 11.99%
Transfer Fee:
3%, $5 minimum *
Transfer Intro APR:
0%
Transfer Intro Period:
up to 12 Months
Cash Advance APR:
*
Grace Period:
*
Cash Advance Fee:
3%, $5 minimum *
Late Payment Fee:
$15/$29/$39 *
Over Limit Fee:
*
Returned Check Fee:
*
Foreign Conversion Rate:
3%
Default/Penalty APR:
*
Offer Details
0% APR* on balance transfers and purchases for up to 12 months No annual fee Citi® Identity Theft Solutions $0 Liability on unauthorized purchases Secure, free online account management Extra Cash from Citi: enjoy significant discounts on gift cards, travel, merchandise and more.
Other Incentives
As of 7/09
Citi® Platinum Select® Card [more details]
0%
up to 12 Months
As Low As 11.99%
None
Rates & Fees
Purchase APR:
11.99% - 18.99%
Annual Fee:
None
Introductory APR:
0%
Intro Period:
Up to 6 Months
Transfer APR:
11.99% - 18.99%
Transfer Fee:
3%*
Transfer Intro APR:
0%
Transfer Intro Period:
Up to 6 Months
Cash Advance APR:
*
Grace Period:
*
Cash Advance Fee:
3%, $5 minimum *
Late Payment Fee:
$19+
Over Limit Fee:
*
Returned Check Fee:
*
Foreign Conversion Rate:
See Terms*
Default/Penalty APR:
*
Offer Details
Earn more cash in more ways than anyone else(SM)* Unlimited cash rewards, automatically Up to 20% Cashback Bonus® when you shop online* Double rewards with more than 100 Cashback Bonus Partners* Customer Service in less than a minute, anytime you want 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers
Other Incentives
As of 7/09
Discover® More(SM) Card [more details]
0%
Up to 6 Months
11.99% - 18.99%
None
Rates & Fees
Purchase APR:
11.99% - 18.99%
Annual Fee:
None
Introductory APR:
0%
Intro Period:
Up to 6 Months
Transfer APR:
11.99% - 18.99%
Transfer Fee:
3%*
Transfer Intro APR:
0%
Transfer Intro Period:
Up to 6 Months
Cash Advance APR:
*
Grace Period:
*
Cash Advance Fee:
3%, $5 minimum *
Late Payment Fee:
See Terms*
Over Limit Fee:
*
Returned Check Fee:
*
Foreign Conversion Rate:
See Terms*
Default/Penalty APR:
*
Offer Details
Earn more cash in more ways than anyone else(SM)* Unlimited cash rewards, automatically Up to 20% Cashback Bonus® when you shop online* Double rewards with more than 100 Cashback Bonus Partners* Customer Service in less than a minute, anytime you want 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers
Other Incentives
As of 7/09
Discover® More(SM) Card - American Flag [more details]
0%
Up to 6 Months
11.99% - 18.99%
None
Rates & Fees
Purchase APR:
11.99% - 18.99%
Annual Fee:
None
Introductory APR:
0%
Intro Period:
Up to 6 Months
Transfer APR:
11.99% - 18.99%
Transfer Fee:
3%*
Transfer Intro APR:
0%
Transfer Intro Period:
Up to 6 Months
Cash Advance APR:
*
Grace Period:
*
Cash Advance Fee:
3%, $5 minimum *
Late Payment Fee:
See Terms*
Over Limit Fee:
*
Returned Check Fee:
*
Foreign Conversion Rate:
See Terms*
Default/Penalty APR:
*
Offer Details
Earn more cash in more ways than anyone else(SM)* Unlimited cash rewards, automatically Up to 20% Cashback Bonus® when you shop online* Double rewards with more than 100 Cashback Bonus Partners* Customer Service in less than a minute, anytime you want 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers
Other Incentives
As of 7/09
Discover® More(SM) Card - Clear [more details]
0%
Up to 6 Months
11.99% - 18.99%
None
CardTrak.com® is not sponsored or have an affiliation with any bank or like
organization as presented on the CardTrak® website which is for informational
purposes only. CardTrak® does not have any involvement or can in any way
guarantee approval for any credit card listed. The approval for a credit card
is solely based on the issuing bank’s criteria. CardTrak® takes reasonable care
to assure the accuracy of the information contained herein, but is not
responsible for any errors or omissions. By clicking the "Apply Now" button,
you will be transferred to the issuing bank's website where you should review
and confirm rates and terms before applying. All questions should be directed
to the issuing bank only.
