Low Interest Rate Credit Cards

If your credit is good, shop around for credit cards with lower rates.

Choosing a credit card with the lowest interest rate can save you money. Forty-four percent of all U.S. families had an outstanding balance on some type of credit card after paying their most recent bill.

Discover® More(SM) Card

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 6 Months* 11.99 - 18.99%* None* Earn more cash in more ways than anyone else(SM)* Unlimited cash rewards, automatically Up to 20% Cashback Bonus® when you shop online* Double rewards with more than 100 Cashback Bonus Partners* Customer Service in less than a minute, anytime you want 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers

Discover® Open Road(SM) Card

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 6 Months* 11.99 - 18.99%* None* Double Cashback Bonus on grocery store purchases in November and December* 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers Save at the pump and everywhere else.* 5% Cashback Bonus® on gas and auto maintenance purchases 5% to 20% Cashback Bonus at top online retailers* Up to 1% Cashback Bonus on all other purchases Unlimited cash rewards Increase, even double, the value of your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners

Miles by Discover® Card

Intro APR Intro Period Regular APR Annual Fee 0%* 6 Months* 11.99 - 18.99%* None* 12,000 Bonus Miles* – 1,000 Miles each month you make a purchase for the first 12 months Double Miles on up to $3,000 in travel and restaurant purchases each year Book any travel, anytime with no blackout dates or restrictions 1 Mile for every $1 on all your other purchases Unlimited Miles that never expire* No Annual Fee Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash starting at just 1,000 Miles

Discover® Motiva(SM) Card

Intro APR Intro Period Regular APR Annual Fee 3.99%* 6 Months* 11.99 - 18.99%* None* Double Cashback Bonus on grocery store purchases in November and December* Cash Rewards for your good credit management!* Get a Pay-On-Time Bonus(SM) equal to a full month’s interest every time you make 6 on-time payments in a row—twice a year, every year 5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site Up to 1% Cashback Bonus on all other purchases Unlimited cash rewards Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners 3.99% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers

Discover® More(SM) Card - Clear

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 6 Months* 11.99 - 18.99%* None* Earn more cash in more ways than anyone else(SM)* Unlimited cash rewards, automatically Up to 20% Cashback Bonus® when you shop online* Double rewards with more than 100 Cashback Bonus Partners* Customer Service in less than a minute, anytime you want 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers

Discover® More(SM) Card - American Flag

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 6 Months* 11.99 - 18.99%* None* Earn more cash in more ways than anyone else(SM)* Unlimited cash rewards, automatically Up to 20% Cashback Bonus® when you shop online* Double rewards with more than 100 Cashback Bonus Partners* Customer Service in less than a minute, anytime you want 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers

Discover® More(SM) Card - Sealife Collection

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 6 Months* 11.99 - 18.99%* None* Earn more cash in more ways than anyone else(SM)* Unlimited cash rewards, automatically Up to 20% Cashback Bonus® when you shop online* Double rewards with more than 100 Cashback Bonus  Partners* Customer Service in less than a minute, anytime you want 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers

Discover® More(SM) Card - Wildlife Collection

Intro APR Intro Period Regular APR Annual Fee 0%* Up to 6 Months* 11.99 - 18.99%* None* Earn more cash in more ways than anyone else(SM)* Unlimited cash rewards, automatically Up to 20% Cashback Bonus® when you shop online* Double rewards with more than 100 Cashback Bonus Partners* Customer Service in less than a minute, anytime you want 0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers

* This online application is subject to the terms and conditions as described in the Important Information Section of the application.

List of Low Interest Rate Credit Cards

Smart consumers comparison shop for credit cards. Competition in the credit card industry is fierce. If you're a good customer, a card company is going to want to hang on to you.

When you're looking for a credit card, be sure to consider the costs and terms. They can make a difference in how much you pay for the privilege of borrowing. Compare them with the costs and terms of the cards you already have to find the plan that best fits your spending and repayment habits.

Key costs and terms to consider are the annual percentage rate (APR) for goods and services as well as for cash advances, the annual fee, and the grace period. Also compare cash-advance fees, late-payment charges, and over-the-limit fees.

Review the following information when you apply for a credit card:

• Interest rate pricing
  Is the interest rate fixed? Variable? Tiered? If the rate is variable, what is the index? The margin? The multiple?
  
  
• APR
  What is the APR for purchases? For cash advances? For balance transfers? Is there a penalty rate if you make late payments?
  
  
• Finance charge
  What method for determining the outstanding balance is used to calculate the finance charge?
• Annual fee
  What is the annual fee, if any?
  
  
• Grace period
  What is the grace period for purchases? (Grace periods usually do not apply to cash advances, which begin accruing interest from the day of the transaction.)
  
  
• Other features
  Does the plan offer enhancements that are attractive to you, such as cash rebates, purchase protections, warranties or guarantees, travel accident or automobile rental insurance, discounts on goods and services purchased, and incentives for use, such as frequent flyer miles? Are these features available at no extra cost?