Low APR Credit Cards. Apply online for your new low interest card!

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!


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	Disclaimer Privacy Policy 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 ! If your credit history is perfect, it's time to check the new Platinum Credit Cards New York Real Estate listings Apply for the best student credit cards. Visit Credit Card for students Compare credit cards for business at Corporate Credit Cards Low apr Florida Real Estate FSBO 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.

WHAT YOU SHOULD KNOW ABOUT LOW INTEREST CREDIT CARDS ...

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•Bad Credit Mortgage Refinancing - Refinance High Interest Mortgage With Poor Credit

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•Blue Sky from American Express: A low APR, No Annual Fee Rewards Credit Card?

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•Low Introductory Rate Credit Card Offers Not Always Destined for the Junk Pile

FIND THE LOW APR CREDIT CARD APPLICATIONS BELOW

The Platinum Card(R) from American Express

25,000 Membership Rewards(R) points bonus, redeemable for one domestic round-trip Coach-Class airline ticket, when you spend $1,000 during your first three months of Card membership
New GLOBAL Travel benefits: Priority Pass select airport club access, No Foreign Transaction Fees, Global Entry expedited U.S. immigration pass
Up to $200 in Airline Fee Credits annually to cover incidental charges on your airline of choice, including checked-baggage fees
Complimentary Companion Airfare with purchase of qualifying First- or Business-Class international ticket
24/7 Platinum Card(R) Concierge service for assistance with reservations, travel, gifts, and more
FINE HOTELS & RESORTS Program: exclusive upgrades and amenities at over 700 boutique, resort, and luxury hotels worldwide

American Express(R) Gold Card

Earn 10K Membership Rewards(R) points, redeemable for select gift cards valued at $100, when you spend $500 in your first 3 months of Card membership
Exclusive access to Gold Card Events - select concerts, shows, major sporting events, and more.
Purchase Protection covers loss, theft, and damage of eligible items within 90 days of purchase
Redeem Membership Rewards(R) points for an exclusive array of travel, shopping, dining and entertainment rewards.
Get approved in 60-seconds.

Blue Cash Everyday(SM) Card from American Express

No annual fee, flexibility to pay over time
Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
NO spend minimum, NO enrollment, and NO rotating rewards categories
Get a $25 Referral Bonus for each friend or family member who is approved for the Card

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

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

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

Orchard Bank(R) Classic MasterCards

An excellent credit card for help rebuilding credit reports to 3 major credit bureaus monthly!
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 are available to remind you of your upcoming payment due date
Knowledgeable customer service representatives to assist you with questions or concerns

TrueEarnings(R) Card from Costco and American Express

American Express(R) Card and Costco Membership Card in one - with no annual fee for Costco members
Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings(R) Cardmembers from Costco and American Express

Starwood Preferred Guest(R) Credit Card from American Express

Earn up to 30,000 bonus Starpoints(R) - enough for 3 free nights at a Category 4 hotel.
Redeem Starpoints for free nights at over 1,000 hotels and resorts in nearly 100 countries and for free flights on over 350 airlines - all with no blackout dates.
Earn at least 4 Starpoints per eligible dollar at participating hotels & resorts
2011 SmarterTravel(R) Award for "Best Travel Rewards Card"
Enjoy the first year with no annual fee -- a savings of $65

American Express(R) Premier Rewards Gold Card

Membership Rewards(R) bonus: 15K points, redeemable for select gift cards valued at $150, when you spend $1,000 in your first three months of card membership
Membership Rewards(R) points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else
Exclusive access to Gold Card Destinations and events - Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, major sporting events, and more, nationwide
No annual fee for your first year - a $175 savings
Get approved in 60-seconds.

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

Escape by Discover(R) Card

25,000 Bonus Miles â€“ 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 donâ€™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

Miles by Discover(R) Card

12,000 Bonus Miles â€“ 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 donâ€™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

Blue Sky from American Express(SM)

No annual fee
Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel - anytime
Pay your bill all at once, or over time. It's up to you.
Blue Savings Program: big deals on big brands, all the time
Rated "Best Airline Credit Card" by Card Ratings Consumer's Choice Awards in 2010
Get approved in 60-seconds

Gold Delta SkyMiles(R) Credit Card from American Express

BONUS MILES: 20K with your first purchase, 5K when you add two Additional Cardmembers to your account. That's 25K miles, redeemable for a flight!
No annual fee for your first year - a $95 savings
Check your first bag FREE - for up to 9 people on your reservation - on every Delta flight
Earn DOUBLE miles on qualifying flights -1 mile per eligible dollar on everything else

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

Discover(R) Student Card - Monogram Collection

5% Cashback BonusÂ® in categories like travel, home improvement stores, department stores, gas, restaurants, pet stores and many more
Up to 1% unlimited Cashback BonusÂ® on all other purchases
5% to 20% Cashback BonusÂ® through our exclusive online shopping site

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 BonusÂ® in categories like travel, home improvement stores, department stores, gas, restaurants, pet stores and many more
Up to 1% unlimited Cashback BonusÂ® on all other purchases
5% to 20% Cashback BonusÂ® through our exclusive online shopping site

Discover(R) Student Open RoadSM Card

Double Cashback BonusÂ® 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

Orchard Bank(R) Classic MasterCards

An excellent credit card for help rebuilding credit reports to 3 major credit bureaus monthly!
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 are available to remind you of your upcoming payment due date
Knowledgeable customer service representatives to assist you with questions or concerns