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
APR
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Rates & Fees
Purchase APR:
7.90% - 19.90%
Annual Fee:
$39-$79*
Introductory APR:
N/A
Intro Period:
N/A
Transfer APR:
7.90% - 19.90%
Transfer Fee:
$5 or 5%*
Transfer Intro APR:
N/A
Transfer Intro Period:
N/A
Cash Advance APR:
20.90%
Grace Period:
*
Cash Advance Fee:
$5 or 5%*
Late Payment Fee:
$30-$35*
Over Limit Fee:
*
Returned Check Fee:
*
Foreign Conversion Rate:
3%*
Default/Penalty APR:
29.49%
Offer Details
Acceptance at millions of locations worldwide, including website purchases and reservations Your account information is updated and at your fingertips 24/7 so you can manage it your way Email and text messages to remind you of your upcoming payment due date with online enrollment On-call customer service representatives to assist you with questions or concerns
Other Incentives
As of 11/09
Orchard Bank Classic MasterCards [more details]
N/A
N/A
7.90% - 19.90%
$39-$79*
Rates & Fees
Purchase APR:
As Low As 11.99% (V)
Annual Fee:
None
Introductory APR:
0%
Intro Period:
6 Months
Transfer APR:
As Low As 11.99% (V)
Transfer Fee:
3%, $5 minimum *
Transfer Intro APR:
0%
Transfer Intro Period:
6 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 6 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 11/09
Citi® Platinum Select® Card [more details]
0%
6 Months
As Low As 11.99% (V)
None
Rates & Fees
Purchase APR:
As low as 13.24%
Annual Fee:
None
Introductory APR:
0%
Intro Period:
up to 12 Months
Transfer APR:
As low as 13.24%
Transfer Fee:
See Terms*
Transfer Intro APR:
N/A
Transfer Intro Period:
N/A
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:
29.99%
Offer Details
$50 Cash Back after your first purchase 3% bonus cash back offers in categories like gas, home improvement and department stores Full 1% Cash Back on every purchase No spending tiers or caps on how much you can earn Up to an additional 20% cash back at select merchants when you shop online through Chase
Other Incentives
As of 11/09
Chase Freedom(SM) Credit Card [more details]
0%
up to 12 Months
As low as 13.24%
None
Rates & Fees
Purchase APR:
As Low As 4.99%
Annual Fee:
$0.00
Introductory APR:
*
Intro Period:
*
Transfer APR:
*
Transfer Fee:
*
Transfer Intro APR:
0.00% (Fixed)
Transfer Intro Period:
6 Months
Cash Advance APR:
19.99%
(Fixed)
Grace Period:
*
Cash Advance Fee:
*
Late Payment Fee:
$29.00
Over Limit Fee:
$29.00
Returned Check Fee:
$29.00
Foreign Conversion Rate:
3.00%
Default/Penalty APR:
29.99%(Prime+24.99%, 29.99% minimum)
Offer Details
Bilingual Customer Service MasterRental Insurance Purchase Assurance Coverage Extended Warranty Coverage Master RoadAssist® Service
As of 8/09
Banco Popular Platinum MasterCard [more details]
N/A
N/A
As Low As 4.99%
$0.00
Rates & Fees
Purchase APR:
5.00% (Prime+1.75%)
Annual Fee:
$0.00
Introductory APR:
*
Intro Period:
*
Transfer APR:
5.00%
(Prime+1.75%)
Transfer Fee:
3.00%, $75.00 maximum
Transfer Intro APR:
*
Transfer Intro Period:
*
Cash Advance APR:
5.00%
(Prime+1.75%)
Grace Period:
25 Days
Cash Advance Fee:
3.00%, $75.00 maximum
Late Payment Fee:
$35.00
Over Limit Fee:
$0.00
Returned Check Fee:
*
Foreign Conversion Rate:
1.00%
Default/Penalty APR:
N/A
Rewards
Reward Type:
Points/Cash Back
Reward Info:
Ongoing cash rebates up to 1.25% on your USAA MasterCard credit card purchases.
As of 4/09
USAA Platinum MasterCard [more details]
N/A
N/A
5.00%(Prime+1.75%)
$0.00
Rates & Fees
Purchase APR:
7.25% (Prime+2.50%, 7.25% minimum)
Annual Fee:
$45.00
Introductory APR:
*
Intro Period:
*
Transfer APR:
5.75%
(Prime+2.50%)
Transfer Fee:
*
Transfer Intro APR:
*
Transfer Intro Period:
*
Cash Advance APR:
12.25%
(Prime+7.50%, 12.25% minimum)
Grace Period:
25 Days
Cash Advance Fee:
2.50%, $2.00 minimum, $30.00 maximum
Late Payment Fee:
$25.00
Over Limit Fee:
$20.00
Returned Check Fee:
$25.00
Foreign Conversion Rate:
N/A
Default/Penalty APR:
12.25%(Prime+7.50%, 12.25% minimum)
As of 4/09
Amalgamated Bank of Chicago Gold Plus [more details]
N/A
N/A
7.25%(Prime+2.50%, 7.25% minimum)
$45.00
Rates & Fees
Purchase APR:
7.50% (Prime+2.75%, 7.50% minimum)
Annual Fee:
$37.00
Introductory APR:
*
Intro Period:
*
Transfer APR:
7.50%
(Prime+2.75%, 7.50% minimum)
Transfer Fee:
*
Transfer Intro APR:
*
Transfer Intro Period:
*
Cash Advance APR:
12.50%
(Prime+7.75%, 12.50% minimum)
Grace Period:
25 Days
Cash Advance Fee:
2.50%, $2.00 minimum, $30.00 maximum
Late Payment Fee:
$25.00
Over Limit Fee:
$20.00
Returned Check Fee:
$25.00
Foreign Conversion Rate:
N/A
Default/Penalty APR:
N/A
As of 4/09
Amalgamated Bank of Chicago Standard Plus [more details]
N/A
N/A
7.50%(Prime+2.75%, 7.50% minimum)
$37.00
Rates & Fees
Purchase APR:
7.99% (Prime+1.99%, 7.99% minimum)
Annual Fee:
$0.00
Introductory APR:
0.00% (Fixed)
Intro Period:
12 Months
Transfer APR:
7.99%
(Prime+1.99%, 7.99% minimum)
Transfer Fee:
3.00%, $10.00 minimum
Transfer Intro APR:
*
Transfer Intro Period:
*
Cash Advance APR:
19.99%
(Prime+15.75%, 19.99% minimum)
Grace Period:
20 Days
Cash Advance Fee:
3.00%, $15.00 minimum
Late Payment Fee:
$39.00
Over Limit Fee:
$39.00
Returned Check Fee:
*
Foreign Conversion Rate:
3.00%
Default/Penalty APR:
27.24%(Prime+23.99%)
Offer Details
Enjoy MasterCard Global Services™ wherever you travel. Protect yourself from unauthorized use of your card with MasterCard® Zero Liability. Online access to view transactions, pay your bill, view up to seven years of prior statements and more!
As of 4/09
First National Bank of Omaha Platinum Edition MasterCard [more details]
0.00%(Fixed)
12 Months
7.99%(Prime+1.99%, 7.99% minimum)
$0.00
Rates & Fees
Purchase APR:
As Low As 7.99%
Annual Fee:
$0.00
Introductory APR:
0.00% (Fixed)
Intro Period:
6 Months
Transfer APR:
As Low As 7.99%
Transfer Fee:
3.00%, $5.00 minimum, $99.00 maximum
Transfer Intro APR:
0.00% (Fixed)
Transfer Intro Period:
6 Months
Cash Advance APR:
As Low As 17.99%
Grace Period:
20 Days
Cash Advance Fee:
3.00%, $5.00 minimum
Late Payment Fee:
$15.00
Over Limit Fee:
$29.00
Returned Check Fee:
$35.00
Foreign Conversion Rate:
N/A
Default/Penalty APR:
N/A
Rewards
As of 5/09
TNB Platinum MasterCard [more details]
0.00%(Fixed)
6 Months
As Low As 7.99%
$0.00
Rates & Fees
Purchase APR:
8.24% (Prime+0.99%, 8.24% minimum)
Annual Fee:
$0.00
Introductory APR:
*
Intro Period:
*
Transfer APR:
8.24%
(Prime+0.99%, 8.24% minimum)
Transfer Fee:
3.00%, $5.00 minimum
Transfer Intro APR:
*
Transfer Intro Period:
*
Cash Advance APR:
19.99%
(Prime+14.99%, 19.99% minimum)
Grace Period:
20 Days
Cash Advance Fee:
3.00%, $10.00 minimum
Late Payment Fee:
$39.00
Over Limit Fee:
$35.00
Returned Check Fee:
$29.00
Foreign Conversion Rate:
3.00%
Default/Penalty APR:
27.24%(Prime+23.99%)
As of 4/09
GE Money Net Rewards MasterCard [more details]
N/A
N/A
8.24%(Prime+0.99%, 8.24% minimum)
$0.00
* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply" button, you can review the credit card terms and conditions on Discover's website.
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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.
