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
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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.

  WHAT YOU SHOULD KNOW ABOUT LOW INTEREST CREDIT CARDS ...
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  •Credit Card Coach Playing the 0% Game
   
  •Credit Card Rewards Explained II: Chase Cash Plus, Citi Dividend Platinum Select & Blue Cash
   
  •Bad Credit Mortgage Refinancing - Refinance High Interest Mortgage With Poor Credit
   
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  •Citi Simplicity: No Late Fee & Great Rewards, But Still A Credit Card After All
   
  •What To Look For In Credit Card Travel Rewards
   
  •Eliminate Credit Card Debt Legally Strategies for Paying Off Credit Cards
   
  •Get A Better Rate: Get A Credit Card Deal
   
  •Credit Cards With Rewards
   
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  •No Credit Check Payday Cash Advance Loans Benefits of Short Term Personal Loan
   
  •Low Interest Rate New Car Loan Tips for Improving Credit and Getting a Low Rate
   
  •Where To Find The Best Credit Card Rates
   
  •Blue Sky from American Express: A low APR, No Annual Fee Rewards Credit Card?
   
  •U.S. Homeowners Oppose Proposal to Replace Home Mortgage Interest Rates Deduction 15% Tax Credit
   
  •Bad Credit Mortgage Refinancing Refinance High Interest Mortgage with Poor Credit
   
  •Cash Advances And Credit Card Checks - A Closer Look
   
  •XRamp's SecureTrust® PCI Compliance Solutions Assist in Protecting Credit Card Merchants from Fraud, Fines, and Liability
   
  •Read the Fine Print When Choosing a Rewards Credit Card
   
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  •Chase Cashplus: A Cashback Credit Card You Can Make Money With
   
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 FIND THE LOW APR CREDIT CARD APPLICATIONS BELOW
 
Chase Platinum Visa Card		    Chase Platinum Visa® Card
0% Introductory APR for up to 12 months on all purchases and balance transfers*
No Annual Fee
Interest-free grace period when you pay your bill in full each month
Get great Platinum privileges

Read more about Chase Platinum Visa® Card
 
Discover More(SM) Card		    Discover® More(SM) Card
0% Intro APR*
More ways to earn more cash - than anyone else.SM*
5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
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
Complete fraud protection for your peace of mind
$0 fraud liability guarantee
Advanced fraud early warning alerts
Fraud specialists dedicated to helping you 24/7
Customer service that puts you first
One call and we take care of it
Talk to a knowledgeable person in less than a minute
Easy online account options that put you in control
Timely e-mail reminders to help you avoid fees
No annual fee
Formerly Discover Platinum Card
*View Discover® Card Rates, Fees, Rewards and Other Important Information.

Read more about Discover® More(SM) Card
 
Blue from American Express		    Blue from American Express®
0% introductory rate for purchases for 15 months
Then a fixed APR Prime + as low as 4.99%
No annual fee
Low Balance Transfer APR - 4.99% Fixed APR for the life of the balance.
Choose to carry a balance or pay in full
Blue is your launch pad to standout shopping and entertainment rewards and one-of-a-kind experiences.
Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences.
Express Approval. Get a decision in less than 60 seconds.

Read more about Blue from American Express®
 
Clear from American Express		    Clear from American Express®
0.00% intro APR for up to 12 months.
5.99% fixed APR on balance transfers.
Automatic Rewards.
Flexibility to pay over time.
User-friendly credit report and score.
American Express World-Class Customer Service.
Earn automatic rewards faster with fee-free Additional Cards

Read more about Clear from American Express®
 
Blue Cash from American Express		    Blue CashSM from American Express®
No annual fee
Up to 5% cash back on all qualified purchases with Unlimited Cash Rewards
Flexibility to pay over time
"0% Intro APR for 6 months."
Online application approval decisions in under 60 seconds
Balance transfer requests submitted on application receive APR of 4.99% for life of the balance.
Go To Rate: Prime + as low as 4.99%
Express Approval. Get a decision in less than 60 seconds.

Read more about Blue CashSM from American Express®
 
TrueEarnings Card from Costco and American Express		    TrueEarnings® Card from Costco and American Express®
Earn Cash Back - 3% for gasoline, 3% for restaurants, 2% for travel, 1% everywhere else, including Costco.1
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.

Read more about TrueEarnings® Card from Costco and American Express®
 
FSBO Listings		    FSBO Listings
Texas real estate and Illinois real estate For Sale By Owner listings

Read more about FSBO Listings
 
Chase Flexible RewardsTM Platinum Visa		    Chase Flexible RewardsTM Platinum Visa®
0% APR for up to 6 months*
No annual fee.
Earn 1 point for every eligible dollar spent toward travel on any airline, shopping at your favorite stores or cash!*
Earn 1000 bonus points after first purchase*

Read more about Chase Flexible RewardsTM Platinum Visa®
 
Discover More(SM) Card - American Flag		    Discover® More(SM) Card - American Flag
0% Intro APR*
More ways to earn more cash - than anyone else.SM*
5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
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
Complete fraud protection for your peace of mind
$0 fraud liability guarantee
Advanced fraud early warning alerts
Fraud specialists dedicated to helping you 24/7
Customer service that puts you first
One call and we take care of it
Talk to a knowledgeable person in less than a minute
Easy online account options that put you in control
Timely e-mail reminders to help you avoid fees
No annual fee
Formerly Discover Platinum Card
American Flag Card Design
*View Discover® Card Rates, Fees, Rewards and Other Important Information.

Read more about Discover® More(SM) Card - American Flag
 
Discover More(SM) Card - Clear		    Discover® More(SM) Card - Clear
0% Intro APR*
More ways to earn more cash - than anyone else.SM*
5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
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
Complete fraud protection for your peace of mind
$0 fraud liability guarantee
Advanced fraud early warning alerts
Fraud specialists dedicated to helping you 24/7
Customer service that puts you first
One call and we take care of it
Talk to a knowledgeable person in less than a minute
Easy online account options that put you in control
Timely e-mail reminders to help you avoid fees
No annual fee
Formerly Discover Platinum Card
*View Discover® Card Rates, Fees, Rewards and Other Important Information.

Read more about Discover® More(SM) Card - Clear
 
Discover Motiva(SM) Card		    Discover® Motiva(SM) Card
3.9% Intro APR*
Automatically get a Pay-On-Time BonusSM equal to a full month's interest each time you make 6 on-time payments in a row - twice a year, every year
5-20% Cashback Bonus* at top retailers through our exclusive online shopping site
Up to 1% unlimited Cashback Bonus on all other purchases
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from over 80 Cashback Bonus Partners
Complete fraud protection for your peace of mind
$0 fraud liability guarantee
Advanced fraud early warning alerts
Fraud specialists dedicated to helping you 24/7
Customer service that puts you first
Free payment by phone
Timely e-mail reminders that help you avoid fees
One call and we take care of it
Talk to a knowledgeable person in less than a minute
Easy online account options that put you in control
No annual fee
*View Discover® Card Rates, Fees, Rewards and Other Important Information.

Read more about Discover® Motiva(SM) Card
 
Chase TravelPlus Visa Card		    Chase TravelPlus Visa® Card
Earn 1 mile for every dollar in purchases
Redeem your points for flights, hotel stays, car rentals, cruises and more!
Choose from over 250 airlines without restrictions
0% Introductory APR on purchases and balance transfers for up to 6 months

Read more about Chase TravelPlus Visa® Card
 
Capital One Platinum Max - Average Credit		    Capital One® Platinum Max - Average Credit
Put away the worry of increasing interest rates
16.9% fixed on purchases for 3 years
Fixed rate won’t increase for three years - no matter what
No cash advance fee
Exclusive savings: up to 40% off featured deals and 10% savings on everything else
*See Card Terms & Conditions

Read more about Capital One® Platinum Max - Average Credit
 
Capital One Classic Platinum - Credit Needs Improvement		    Capital One® Classic Platinum - Credit Needs Improvement
Enjoy 0% on purchases until June 2008
Exclusive savings: up to 40% on featured deals and 10% on everything else at the Capital One Saving Zone on Yahoo! Shopping
Platinum Benefits including extended warranties, travel accident insurance and 24 hour roadside assistance
*See Card Terms & Conditions

Read more about Capital One® Classic Platinum - Credit Needs Improvement
 
Discover Student Card- Clear		    Discover® Student Card- Clear
0% Intro APR* on Purchases for 6 Months
No Annual Fee
$0 Fraud Liability Guarantee
Easy Online Account Management Options
5% Cashback Bonus® on Get More purchases in popular categories that change four times a year like home, apparel and more*
Up to 20% Cashback Bonus® when you shop online*
Unlimited cash rewards, automatically
Double rewards with more than 80 Cashback Bonus Partners*
Cool, Clear Design
*View Discover® Card Rates, Fees, Rewards and Other Important Information.

Read more about Discover® Student Card- Clear
 
Discover Student Card- Monogram 		   Discover® Student Card- Monogram
0% Intro APR* on Purchases for 6 Months
Up to 20% Cashback Bonus® when you shop online*
Unlimited cash rewards, automatically
No Annual Fee
Easy Online Account Management Options
$0 Fraud Liability Guarantee
*View Discover® Card Rates, Fees, Rewards and Other Important Information.

Read more about Discover® Student Card- Monogram

 
Pulaski Bank Visa MasterCard		    Pulaski Bank Visa/MasterCard
Low ratew
No annual fee
0% balance transfers
No fee balance transfers

Read more about Pulaski Bank Visa/MasterCard
 
Pulaski Bank Gold Visa		    Pulaski Bank Gold Visa
Low rate
No annual fee
0% balance transfers
No fee balance transfers

Read more about Pulaski Bank Gold Visa
 
One from American Express		    One from American Express®
The Savings AcceleratorSM Plan contributes 1% of eligible purchases into an FDIC-insured High-Yield Savings Account in your name
Earn a competitive Annual Percentage Yield (APY), currently 2.75% (variable rate as of 4/15/2008).
Get $50 to jump-start your savings after your first purchase
With the Interest Protection feature, you never pay interest on new purchases
No Preset Spending Limit
Never pay interest on new purchases

Read more about One from American Express®
 
Discover More(SM) Card - Wildlife Collection		    Discover® More(SM) Card - Wildlife Collection
0% Intro APR*
More ways to earn more cash - than anyone else.SM*
5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
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
Complete fraud protection for your peace of mind
$0 fraud liability guarantee
Advanced fraud early warning alerts
Fraud specialists dedicated to helping you 24/7
Customer service that puts you first
One call and we take care of it
Talk to a knowledgeable person in less than a minute
Easy online account options that put you in control
Timely e-mail reminders to help you avoid fees
No annual fee
Formerly Discover Platinum Card
Choose Your Wildlife Card Design
*View Discover® Card Rates, Fees, Rewards and Other Important Information.

Read more about Discover® More(SM) Card - Wildlife Collection
 
Discover More(SM) Card - Sealife Collection		    Discover® More(SM) Card - Sealife Collection
0% Intro APR*
More ways to earn more cash - than anyone else.SM*
5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
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
Complete fraud protection for your peace of mind
$0 fraud liability guarantee
Advanced fraud early warning alerts
Fraud specialists dedicated to helping you 24/7
Customer service that puts you first
One call and we take care of it
Talk to a knowledgeable person in less than a minute
Easy online account options that put you in control
Timely e-mail reminders to help you avoid fees
No annual fee
Formerly Discover Platinum Card
Choose Your Sealife Card Design
*View Discover® Card Rates, Fees, Rewards and Other Important Information.

Read more about Discover® More(SM) Card - Sealife Collection
 
The Gold Card from American Express OPEN(SM)		    The Gold Card from American Express OPEN(SM)
Earn up to 100,000 points or more in the first year
No pre-set spending limit* and no finance charges
Discounts with FedEx, Delta®, Courtyard by Marriott®, and more
Automatic Complimentary enrollment in the Membership Rewards program
Redeem points for top-tier rewards including travel, merchandise, office equipment, and gift cards for you or your employees

Read more about The Gold Card from American Express OPEN(SM)
 
Discover Student Card		    Discover® Student Card
0% Intro APR* on Purchases for 6 Months
Up to 20% Cashback Bonus® when you shop online*
Unlimited cash rewards, automatically
No Annual Fee
$0 Fraud Liability Guarantee
Easy Online Account Management Options
*View Discover® Card Rates, Fees, Rewards and Other Important Information.

Read more about Discover® Student Card
 
The Rainbow Card Platinum Plus Visa Card		    The Rainbow Card® Platinum Plus® Visa® Card
For every new account that is opened and every purchase made with the card, Bank of America will make a contribution to the Rainbow Endowment - at no additional cost to you!
The Rainbow Endowment is a grant making organization that funds the GLBT community.
Earn 1 point for every net retail dollar and redeem your points for travel, merchandise, gift certificates, and cash
No annual fee
Online account access, get up-to-the-minute account information, schedule payments online, review statements and much more.
*See website for complete terms and conditions of card usage and application disclosure.

Read more about The Rainbow Card® Platinum Plus® Visa® Card
 
Blue Cash for Business Credit Card 		   Blue Cash for Business Credit Card
Up to 5% Cash Rebate
No Annual Fee
0% APR for up to 6 months
Built-in Smart Chip for Internet Security
Receive ongoing Savings at FedEx®, Kinkos® and Staples®
Option to pay over time or pay in full
OPEN Savings®: Automatic discounts with FedEx, Delta®, Courtyard by Marriott®, and more
Earn cash rewards on purchases made by Additional Cardholders

Read more about Blue Cash for Business Credit Card

 
TrueEarnings Business Card from Costco and American Express		    TrueEarnings® Business Card from Costco and American Express®
-5% for buying gas
-3% for eating out
-2% for traveling
-1% for everywhere else, including Costco
No annual fee with your paid Costco Membership.

Read more about TrueEarnings® Business Card from Costco and American Express®
 
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