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Low APR Credit Cards 2008. Online applications helping you get out of financial difficulties... by applying for a low interest rate credit card!
30 seconds response!
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Chase Perfect Card® |
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0% Introductory APR* on balance transfers
Earn a 6% rebate on all gasoline purchases for the first 90 days your account is open
Earn a 3% rebate on all gasoline purchases after the 90 day introductory period
Earn a 1% rebate on purchases
All the rebates you earn are automatically credited toward future purchases
• Click here for more info!
I WANT TO APPLY FOR A Chase Perfect Card |
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Blue from American Express® |
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0% introductory rate for purchases for 15 months
Then a fixed APR Prime + as low as 3.99%
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.
• Click here for more info!
I WANT TO APPLY FOR A Blue from American Express |
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Blue CashSM from American Express® |
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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
Low Balance Transfer rate - 4.99% fixed APR for the life of the balance
Go To Rate: Prime + as low as 4.99%
• Click here for more info!
I WANT TO APPLY FOR A Blue Cash from American Express |
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Discover® More(SM) Card |
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0% Intro APR*
More ways to earn more cash - than anyone else.SM*
5% Cashback BonusŪ 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 DiscoverŪ Card Rates, Fees, Rewards and Other Important Information.
• Click here for more info!
I WANT TO APPLY FOR A Discover More(SM) Card |
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Discover® Open Road(SM) Card |
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0% Intro APR*
5% Cashback Bonus for your gas and auto maintenance purchases.
Earn up to 1% Cashback Bonus on all other purchases automatically
$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
• Click here for more info!
I WANT TO APPLY FOR A Discover Open Road(SM) Card |
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Bank of America EfectivaTM Platinum Plus® Visa® |
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Card issued by FIA Card Services, NA.
No annual fee
Customer communications are sent in Spanish and English
0% for 6 billing cycles on balance transfers and cash advance checks with a 3% balance transfer fee ($10 min.)
Total Security Protection
Various Internet account related services.
Auto rental insurance.
Various travel and emergency assistance services.
Free Year-End Summary Statement
Lost luggage recovery.
No liability for unauthorized Internet transactions.
Discounts on auto rentals.
Optional Mini Card.
See website for additional benefits.
Optional Purchase Guard
*See website for complete terms and conditions of card usage and application disclosure. *Terms and Conditions
• Click here for more info!
I WANT TO APPLY FOR A Bank of America Efectiva Platinum Plus Visa |
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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 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 card with LOW APR and pay not only the minimum payment but as much as you can !
Debt Relief: The Simple $10 Debt Elimination Solution
The first credit card was issued by Diners Club
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