Low Regular Rate
Interested in a card with a low purchase interest rate for life? Let Card Hub help you find the perfect credit card offer! Once you've looked through the possibilities shown on this page, you can use our handy credit card review tool to compare the details for the offers that interest you, making it easy to determine which card you want. Compare interest rates, rewards, and more. With so many credit cards available for you to choose from, you're certain to find a card that meets the specifications you need. Regardless of what offer you decide to apply for, you should be aware that missing payments and/or going over your credit limit will make all your rates change to the default rate, which is usually above 20%!
- Credit:
- Excellent
- Good
- Average
- Bad
- Limited History
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Capital One® No Hassle MilesSM Rewards - Excellent Credit
- Purchase Intro Rate: 0% until January 2010
- Transfer Intro Rate: N/A
- Transfer Fee: None
- Annual Fee: None
- Regular Rate: 9.9%
- Rewards: Miles - Any Airline
- Earn 1.25 miles for each dollar spent on purchases
- No blackout dates or seat restrictions
- No expiration date on miles and no limit on the miles you can earn
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Capital One® No Hassle MilesSM Ultra - For Professionals
- Purchase Intro Rate: 0% until January 2010
- Transfer Intro Rate: N/A
- Transfer Fee: None
- Annual Fee: $39
- Regular Rate: 9.9%
- Rewards: Miles - Any Airline
- Earn 2 miles for each dollar spent on purchases
- No blackout dates or seat restrictions
- No expiration date on miles and no limit on the miles you can earn
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Capital One® Platinum Prestige MasterCard
- Purchase Intro Rate: 0% until January 2010
- Transfer Intro Rate: 0% until January 2010
- Transfer Fee: 3%
- Annual Fee: None
- Regular Rate: 8.9%
- Rewards: None
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Citi® Platinum Select® MasterCard
- Purchase Intro Rate: 0% for 6 - 12 months
- Transfer Intro Rate: 0% for 6 - 12 months
- Transfer Fee: 3%
- Annual Fee: None
- Regular Rate: 6.74% - 14.74%
- Rewards: None
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Bank of America Accelerated Cash Rewards Card
- Purchase Intro Rate: N/A
- Transfer Intro Rate: 0% for 15 months
- Transfer Fee: 3%
- Annual Fee: None
- Regular Rate: 9.99% - 19.99%
- Rewards: Cash Back
- 1.25% Cash Back on all purchases
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Capital One® No Hassle MilesSM For Travel & Gas
- Purchase Intro Rate: 0% until January 2010
- Transfer Intro Rate: N/A
- Transfer Fee: None
- Annual Fee: None
- Regular Rate: 9.9%
- Rewards: Miles - Extra on Gas
- Earn 3 Miles per $1 spent on travel and gas purchases and 1 Mile per $1 on all other purchases.
- No blackout dates or seat restrictions.
- No expiration date on miles and no limit on the miles you can earn.
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Capital One® Platinum Prestige Visa
- Purchase Intro Rate: 0% until January 2010
- Transfer Intro Rate: 0% until January 2010
- Transfer Fee: 3%
- Annual Fee: None
- Regular Rate: 8.9%
- Rewards: None
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Discover® Open Road Card
- Purchase Intro Rate: 0% for 6 months
- Transfer Intro Rate: 0% for 12 months
- Transfer Fee: 3%
- Annual Fee: None
- Regular Rate: 9.99% - 17.99%
- Rewards: Cash Back
- 5% Cash Back Bonus on your first $100 in combined gas and auto maintainance purchases every month.
- Up to 1% Cash Back on all other purchases.
- Specifically, first $1,500 in annual purchases earn 0.25% Cash Back, purchases between $1,500 - $3,000 earn 0.50%, and annual purchases above $3,000 earn a full 1% Cash Back.
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Citi CashReturnsSM MasterCard®
- Purchase Intro Rate: N/A
- Transfer Intro Rate: 0% for 6 - 12 months
- Transfer Fee: 3%
- Annual Fee: None
- Regular Rate: 8.99% - 16.99%
- Rewards: Cash Back
- 1% Cash Back on all purchases.
- Earn a 20% bonus on the cash back earned in the first 12 months.
- Checks will be sent automatically every time you earn $50 -- no calling necessary.
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Citi® Diamond Preferred® Rewards Card
- Purchase Intro Rate: N/A
- Transfer Intro Rate: 0% for 6 - 12 months
- Transfer Fee: 3%
- Annual Fee: None
- Regular Rate: 9.49% - 17.49%
- Rewards: Points - Generic
- 5 Thank You Points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months
- 1 Thank You Point for every $1 on all other purchases
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Bank of America Visa Signature® WorldPoints Rewards
- Purchase Intro Rate: N/A
- Transfer Intro Rate: 0% for 15 months
- Transfer Fee: 3%
- Annual Fee: None
- Regular Rate: 9.99% - 19.99%
- Rewards: Points - Generic
- Bonus: $25 Statement Credit after making a purchase of $25 or more within 45 days of the account open date.
- Earn 1 point for every $1 spent and redeem your points for travel, merchandise, gift certificates, and cash.
- For example, you can redeem 5,000 points for $25 cash; 12,000 points for $100 Old Navy Gift Card.
- Credit:
- Excellent
- Good
- Average
- Bad
- Limited History
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Citi® Platinum Select® MasterCard
- Purchase Intro Rate: 0% for 6 - 12 months
- Transfer Intro Rate: 0% for 6 - 12 months
- Transfer Fee: 3%
- Annual Fee: None
- Regular Rate: 6.74% - 14.74%
- Rewards: None
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Citi® Diamond Preferred® Rewards Card
- Purchase Intro Rate: N/A
- Transfer Intro Rate: 0% for 6 - 12 months
- Transfer Fee: 3%
- Annual Fee: None
- Regular Rate: 9.49% - 17.49%
- Rewards: Points - Generic
- 5 Thank You Points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months
- 1 Thank You Point for every $1 on all other purchases
- Credit:
- Excellent
- Good
- Average
- Bad
- Limited History
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Capital One® Platinum Visa
- Purchase Intro Rate: 0% until June 2009
- Transfer Intro Rate: N/A
- Transfer Fee: None
- Annual Fee: $39
- Regular Rate: 8.9%
- Rewards: None
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Capital One® Platinum MasterCard
- Purchase Intro Rate: 0% until June 2009
- Transfer Intro Rate: N/A
- Transfer Fee: None
- Annual Fee: $39
- Regular Rate: 8.9%
- Rewards: None
- Credit:
- Excellent
- Good
- Average
- Bad
- Limited History
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Centennial Gold MasterCard® from First PREMIER Bank
- Purchase Intro Rate: N/A
- Transfer Intro Rate: N/A
- Transfer Fee: N/A
- Annual Fee: $132 per year (i.e. Annual Fee of $48 + Monthly Fee of $7)
- Regular Rate: 9.9% on purchases*
- As a result of the fees, if you are assigned the minimum credit limit of $250, your initial available credit will be $71*
- Reports monthly to the Major Credit Bureaus
- Fees for receiving Credit Limit Increases: $25 Each Time, but No Fee if you get the $50 Credit Limit Increase by making your first 2 Minimum Payments on time.
- Complete Terms and Conditions
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Applied Bank® Secured Visa® Gold Credit Card
- Purchase Intro Rate: N/A
- Transfer Intro Rate: N/A
- Transfer Fee: N/A
- Annual Fee: $50 per year
- Regular Rate: 9.99%
- Secured Credit Card / Min Deposit of $200
- 9.99% Fixed APR - Rate Won't Change Even If You're Late
- No Credit or Income Requirements
- Complete Terms and Conditions
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First PREMIER Bank Gold MasterCard®
- Purchase Intro Rate: N/A
- Transfer Intro Rate: N/A
- Transfer Fee: N/A
- Annual Fee: $132 per year (i.e. Annual Fee of $48 + Monthly Fee of $7)
- Regular Rate: 9.9% on purchases*
- As a result of the fees, if you are assigned the minimum credit limit of $250, your initial available credit will be $71 ($51 if you select the additional card option)*
- Reports monthly to the Major Credit Bureaus
- Fees for receiving Credit Limit Increases: $25 each time
- Complete Terms and Conditions
- Credit:
- Excellent
- Good
- Average
- Bad
- Limited History
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Citi® mtvU Platinum Select® Visa® Card - College Students
- Purchase Intro Rate: 0% for 6 months
- Transfer Intro Rate: 0% for 6 months
- Transfer Fee: 3%
- Annual Fee: None
- Regular Rate: 12.24%
- Rewards: Points - Generic
- Earn 5 ThankYou Points for every $1 you spend at restaurants, bookstores, record stores, movie theaters and video rentals stores.
- Earn 1 ThankYou Point for every $1 you spend on all other purchases
- Earn 250-2000 ThankYou Points twice a year for maintaining a good GPA
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Capital One® Platinum Visa
- Purchase Intro Rate: 0% until June 2009
- Transfer Intro Rate: N/A
- Transfer Fee: None
- Annual Fee: $39
- Regular Rate: 8.9%
- Rewards: None
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Discover® Student Card
- Purchase Intro Rate: 0% for 6 months
- Transfer Intro Rate: N/A
- Transfer Fee: N/A
- Annual Fee: None
- Regular Rate: 14.99%
- Rewards: Cash Back
- Depending on the month of the year earn 5% Cash Back in one or more of the following categories: travel, home improvement stores, department stores, gas, restaurants.
- Up to 1% Cash Back on all other purchases.
- 5%-20% Cashback at top online retailers thru the Discover site.
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Discover® Open Road Card for Students
- Purchase Intro Rate: 0% for 6 months
- Transfer Intro Rate: N/A
- Transfer Fee: N/A
- Annual Fee: None
- Regular Rate: 13.99%
- Rewards: Cash Back - Extra on Gas
- 5% Cash Back Bonus on your first $100 in combined gas and auto maintainance purchases every month
- Up to 1% Cash Back on all other purchases
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Capital One® Platinum MasterCard
- Purchase Intro Rate: 0% until June 2009
- Transfer Intro Rate: N/A
- Transfer Fee: None
- Annual Fee: $39
- Regular Rate: 8.9%
- Rewards: None
Low Regular Rate
Would you like to learn more about how switching to low interest credit cards can benefit you? Card Hub is proud to offer an Education Center that can help you learn the ins and outs of the way the industry works. Become an educated consumer and determine which is the best card credit program for you and your specific needs. You can also use our handy search engine (available on the right) to narrow down your options based on specific requirements. Choose the right card (Visa, MasterCard, American Express, or Discover) with CardHub.com!
