Low APR Credit Cards -- online applications.
 
Low APR Credit Cards -- Apply online for your new low APR platinum or cash reward credit card.
Month by month you send checks to credit card companies to get rid of your debt. We know your feelings. That's why we created this on-line directory of low apr credit cards. Here you can compare them and choose a better one. We offer a comprehensive list of the 2008 online available, zero introductory APR credit cards, with safe instant approval!
 
Low APR Credit Cards
Advanta Credit Cards
American Express Credit Cards
Bank of America Credit Card Applications
Chase Manhattan Credit Cards with LOW APR
Citi Bank Credit Cards with LOW APR
Discover Credit Cards
Four Oaks Bank Credit Cards
HSBC Bank Credit Cards
0 APR Business Credit Cards
Low APR Reward Credit Cards
Zero APR Credit Cards
Frequent Flyer Credit Cards
Gas Reward Credit Cards
Credit Cards for Students
Platinum Credit Cards
Bad Credit Credit Cards
UK Credit Cards
Tarjetas de Credito
Kreditkarten



  

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Here’s a little info about
Annual Percentage Rate:

It can either be "fixed" or "variable". Fixed-rate APR-s are usually a little higher, but you know exactly how much you will be charged each month. A variable or floating rate will fluctuate based on a published index.

For example: The APR on your low apr credit card is 18%. Typically, credit card companies calculate that rate on either a daily or monthly basis. The daily rate is calculated on your daily balance and the monthly rate on your monthly.

Let's say you charge $800 for a new TV. Few weeks later, you get your bill and you decide to pay only the minimum. This is when finance charge steps in, and if your card works on a monthly basis, you will be charged 1-1/2% , (or1.5 %) interest on $800.

Where did the 1.5 % come from? That’s 18% divided by 12, as 12 months in a year. (Annual Percentage Rate).

Next month, when you get your bill, and you did not charged anything on your card, and you made your minimum payment of $15, you will be unsatisfised.

From the $15 minimum payment you made, $12 pays the interest and only $3 will reduce the $800 down to $797. — which does not seem like much progress.

This is where you have to be carefull. If you only make the minimum payment each month, most of your money goes toward paying off the finance charge—the amount you’re being charged on the money you’ve effectively borrowed from the credit card company.

So, if you borrow the money for a long time, you would end up paying far more for the product than you originally wanted.

This is why it’s far more smart business—to choose a low APR credit card and pay not only the minimum payment but as much as you can !


CCMS Tiles

With today’s credit card companies, there are many opportunities to get your cards rate of 21% or more reduced. The higher the amount of interest your card charges will cost you more for a simple purchase and ultimately may take you years to pay off instead of months, should you make the minimum payment allowed. People often just pay the minimum balance as a way to improve their credit rating; this couldn’t be a more dangerous way to increase your credit score. Leveraging the credit card company to say “Uncle” to your ability to switch over is easier than you think.

The switch over lower APR credit card tactic
If your credit card interest rate is over 20% you should definitely seek relief in several ways. One of these ways is to let them know you are thinking of moving to a competitor’s credit card because they are offering a lower rate. They will move promptly to earn your dollars and interest. Let them know how unsatisfied you are about their ability to reduce your percentage rate commensurate with your ability to pay your bill in a timely manner. They will probably put you on hold immediately and speak with a manager to get your rate reduced.

Don’t be afraid to move to another credit card company offering a low apr credit card
Some credit card companies will not budge when it comes to reducing your rate: even if you threaten to leave them. That is when you look for another credit card that meets your immediate financial needs. Shop around to the major credit card companies and seek out the best possible rates. You can also search on the Internet for sites that give the best low apr credit card ratings. This will allow you to make a financial decision that can save you hundreds if not thousands in the long run.
There are a dozen reputable credit card companies in the market who are willing to sign you up to earn your interest. These 0 APR cards will even offer to assume your previous credit card debt to help reduce the interest you are bearing on those accounts.



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 FIND THE LOW APR CREDIT CARD APPLICATIONS BELOW
 
Discover(R) More Card - 18 Month Promotional Balance Transfer
   Discover(R) More Card - 18 Month Promotional Balance Transfer
  • 0% intro APR on balance transfers for 18 months, then the variable APR of 11.99% - 20.99%
  • 0% intro APR on purchases for 6 months, then the variable APR of 11.99% - 20.99%
  • 5% Cashback Bonus(R) in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
  • Ranked #1 in customer loyalty (2011 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 alerts
  • No annual fee, no rewards redemption fee, and no additional card fee

Read more about Discover(R) More Card - 18 Month Promotional Balance Transfer

  
 
Discover(R) More Card - 15 months intro period
   Discover(R) More Card - 15 months intro period
  • 0% intro APR on purchases and balance transfers for 15 months, then the variable APR of 11.99% - 20.99%
  • 5% Cashback Bonus(R) in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
  • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover
  • Ranked #1 in customer loyalty (2011 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 alerts
  • No annual fee, no rewards redemption fee, and no additional card fee

Read more about Discover(R) More Card - 15 months intro period

  
 
Discover(R) Motiva Card
   Discover(R) Motiva Card
  • Earn Cashback Bonus for your good credit managment
  • 3.99% intro APR on balance transfers and purchases for 15 months, then the variable APR of 11.99% - 20.99%
  • 5% Cashback Bonus(R) in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
  • Ranked #1 in customer loyalty (2011 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 alerts
  • No annual fee, no rewards redemption fee, and no additional card fee

Read more about Discover(R) Motiva Card

  
 
Discover(R) Open Road Card - $150 Restaurant.com Gift Certificate
   Discover(R) Open Road Card - $150 Restaurant.com Gift Certificate
  • Free $150 Restaurant.com Gift Certificate with first purchase
  • 0% intro APR on purchases and balance transfers for 12 months, then the variable APR of 11.99% - 20.99%
  • 2% Cashback Bonus automatically at any gas station and any restaurant
  • Ranked #1 in customer loyalty (2011 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 alerts
  • No annual fee, no rewards redemption fee, and no additional card fee

Read more about Discover(R) Open Road Card - $150 Restaurant.com Gift Certificate

  
 
Escape by Discover(R) Card
   Escape by Discover(R) Card
  • 25,000 Bonus Miles – Earn 1,000 Miles each month you make a purchase for the first 25 months
  • 2 Miles per $1 on all purchases
  • No limit on the Miles you earn and Miles don’t expire*
  • Fly on any airline, book any hotel or car, with no blackout dates
  • Use Miles for travel, merchandise, gift cards or cash
  • 0% intro APR on purchases and balance transfers for 6 months then the variable APR of 10.99% - 16.99%
  • Ranked #1 in customer loyalty (2011 Brand Keys Customer Loyalty Engagement Index report)
  • Enhanced travel benefits like Travel Delay Insurance and Trip Cancellation Insurance
  • $0 Fraud Liability plus automatic mobile and email fraud alerts

Read more about Escape by Discover(R) Card

  
 
Miles by Discover(R) Card
   Miles by Discover(R) Card
  • 12,000 Bonus Miles – Earn 1,000 Miles each month you make a purchase for your 1st year
  • 0% intro APR on purchases and balance transfers for 6 months then the variable APR of 10.99% - 16.99%
  • 1 Mile per $1 on every purchase
  • Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year
  • No limit on the Miles you earn and Miles don’t expire*
  • Ranked #1 in customer loyalty (2011 Brand Keys Customer Loyalty Engagement Index report)
  • Fly on any airline, book any hotel or car, with no blackout dates
  • Use Miles for travel, merchandise, gift cards or cash
  • No annual fee, No Overlimit Fee, No Redemption Fee

Read more about Miles by Discover(R) Card

  
 
Discover(R) Student Card
   Discover(R) Student Card
  • 5% Cashback Bonus(R) in categories that change like travel, department stores, gas, groceries, restaurants, and more.
  • Up to 1% unlimited Cashback Bonus on everything else you buy.
  • 0% Intro APR on purchases for 6 months.
  • No Annual Fee

Read more about Discover(R) Student Card

  
 
Discover(R) Student Card - Monogram Collection
   Discover(R) Student Card - Monogram Collection
  • 5% Cashback Bonus® in categories like travel, home improvement stores, department stores, gas, restaurants, pet stores and many more
  • Up to 1% unlimited Cashback Bonus® on all other purchases
  • 5% to 20% Cashback Bonus® through our exclusive online shopping site

Read more about Discover(R) Student Card - Monogram Collection

  
 
Discover(R) Student Mix Tape Card
   Discover(R) Student Mix Tape Card
  • Build your credit with our contest-winning Student Card design - 250,000 votes on 7,000 submissions resulted in the new Mix Tape. Get yours today!
  • 5% Cashback Bonus® in categories like travel, home improvement stores, department stores, gas, restaurants, pet stores and many more
  • Up to 1% unlimited Cashback Bonus® on all other purchases
  • 5% to 20% Cashback Bonus® through our exclusive online shopping site

Read more about Discover(R) Student Mix Tape Card

  
 
Discover(R) Student Open RoadSM Card
   Discover(R) Student Open RoadSM Card
  • Double Cashback Bonus® at any gas station and any restaurant.
  • Up to 1% Unlimited Cashback Bonus on everything else you buy.
  • 0% Intro APR on purchases for 6 months.
  • No Annual Fee

Read more about Discover(R) Student Open RoadSM Card