Low Interest Rate Credit Cards

American Express Business Gold Rewards Card

  • 25,000 Welcome Points. Enough for a ticket almost anywhere in North America. Just purchase $3,000 in the first 3 months
  • Earn 1 point for every dollar in purchases charged to the Card. No caps
  • Earn up to 40,000 bonus points. Every year. 15,000 points when you reach $50,000 in purchases. Another 25,000 when you reach $100,000
  • Get additional Cards for employees. Earn even more points – all on your account
  • More Rewards for you or your Business. Transfer to Aeroplan®*. Instantly. 1 point = 1 Aeroplan®* mile
  • Also transfer points to Delta Air Lines and Cathay Pacific’s Asia Miles and access their 27 airline partners
  • Book virtually any trip or vacation. Pay all or part with points. No blackouts
  • No fee for the First Year. A savings of $180
  • Conditions Apply

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A N/A $180 (First Year Free) Yes Excellent

American Express Gold Rewards Card

  • Earn double points for every $1 in eligible travel purchases charged to the Card, including flights, hotels, car rentals, cruises, and more.
  • Plus, earn double points for every $1 in eligible gas, grocery and drugstore purchases charged to the Card.
  • You’ll also earn one point for every $1 in Card purchases everywhere else.
  • Conditions Apply.

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A N/A $150 (first year free) Yes Excellent

American Express(R) Gold Card

  • Exclusive access to Gold Card Events – select concerts, shows, major sporting events, and more.
  • Purchase Protection* can protect eligible items for up to 90 days from the date of purchase if stolen or accidentally damaged. *Underwritten by AMEX Assurance Company
  • Redeem Membership Rewards(R) points for an exclusive array of travel, shopping, dining and entertainment rewards.
  • Introductory annual fee of $0 for the first year, then $125.
  • Get a decision in as little as 60 seconds.

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A N/A Introductory annual fee of $0 for the first year, then $125 No N/A

American Express(R) Premier Rewards Gold Card

  • Membership Rewards(R) bonus: 25K points, redeemable for select gift cards valued at $250, when you spend $2,000 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.
  • Introductory annual fee of $0 for the first year, then $175.
  • Get a decision in as little as 60 seconds.

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A N/A Introductory annual fee of $0 for the first year, then $175 No N/A

Business Green Rewards Card from American Express OPEN

  • Receive 5,000 bonus points on your first purchase
  • No pre-set spending limit* or finance charges
  • Earn one Membership Rewards® point for every dollar you spend
  • Redeem points toward top-tier rewards including travel, merchandise, office equipment, and gift cards for you or your employees
  • $0 introductory annual fee for the first year, then $95

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A N/A [You must pay your balance in full each month] $95* No Excellent

Horizon Gold Card

  • Reports to Major Bureau
  • Always 0.0% APR
  • $500 Credit Limit
  • Guaranteed Approval
  • No Credit Check
  • Fast Online Application
  • No Employment Check

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 0% $299.40* No No credit check required

IberiaBank Visa Select Card

  • Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. (If there is an interest charge, the charge will be no less than $0.50). This rate will not change during the introductory period.
  • Low Introductory APR on Balance Transfers of 1.99% or 7.50% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
  • Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, and Prime + 8.25%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $0.50).
  • Product Enhancements include: Auto Rental Collision Damage Waiver, Roadside Dispatch and Travel Emergency Services.
  • Online access to credit card account information
  • Low Annual Fee of $35.00.

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 12 Billing Cycles 7.50%, 9.50% or 11.50% $35 Yes Excellent

IberiaBank Visa Classic Card

  • No Annual Membership Fee
  • Low variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $0.50).
  • Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Online Access to Credit Card Account Information

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
1.99% 6 Billing Cycles 7.25%, 10.25% or 13.25%* $0 Yes Excellent

IberiaBank Visa Gold Cash Back Rewards Card

  • No annual membership fee
  • Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $0.50).
  • Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Earn 1% in cash back credit on all qualifying purchases
  • No limit on cash back; no expiration date on eligibility for accounts in good standing
  • Travel accident coverage up to $500,000
  • Online access to credit card account information

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
1.99% 6 Billing Cycles 9.25, 12.25%, or 15.25%* $0 Yes Good

IberiaBank Visa Platinum Rewards Card

  • No annual membership fee
  • Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $0.50).
  • Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
  • Earn 1 bonus point for every $1 in qualifying net retail purchases
  • Turn your points into hotel, gift, or experience rewards
  • Travel accident coverage up to $1,000,000
  • Online access to credit card account information

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
1.99% 6 Billing Cycles 9.25%, 12.25%, or 15.25%* $0 Yes Very Good

Ink Bold with Ultimate Rewards

  • Earn up to 50,000 bonus points – 25,000 after your first purchase, plus an additional 25,000 after you spend $10,000 in 3 months – that’s $500 in rewards of your choice, or $625 towards airfare when you redeem online through our Ultimate Rewards booking tool
  • Earn up to 5X points per dollar on eligible business purchases, and points do not expire
  • No foreign transaction fees
  • Free Employee Cards
  • No interest charges because it’s a pay-in-full charge card
  • Transfer points you’ve earned to participating frequent travel programs at a 1:1 value
  • No Annual Fee in the first year – a $95 savings

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A N/A $95 (First Year Free) No Excellent, Good

Orchard Bank 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

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 14.99% – 24.99%, or 7.99% for secured cards $39 or $59 the first year Yes Poor or Fair to Poor

Orchard Bank Visa Cards

  • Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit
  • 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

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 14.99% or 24.99%, or 7.99% for secured cards $39 or $59 the first year Yes Poor or Fair to Poor

The Business Gold Rewards Card(R) from American Express OPEN

  • FOR A LIMITED TIME: Earn 5X points on shipping and advertising for the first 3 months of Card membership.
  • Earn points even faster to get more rewards for your business
  • 3X points on airfare, 2X points on advertising, gas, and shipping, 1X points on everything else*
  • One million rewards from over 500 brands
  • Unlimited Rewards Potential – there is no limit to the number of points you can earn and points do not expire
  • 24/7 support for everything from identity theft to travel emergencies
  • $0 introductory annual fee for the first year, then $175
  • Get unlimited Additional Gold Cards for an additional annual fee of $50 – and this fee is waived for the first year
  • Terms & Restrictions Apply.

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A N/A [You must pay your balance in full each month] $0 introductory annual fee for the first year, then $175 No N/A

The Business Platinum Card(R) from American Express OPEN

  • FOR A LIMITED TIME: Earn 25,000 Membership Rewards® points by spending $5,000 in the first 3 months.
  • Enroll and select an airline to receive up to $200 annually in statement credits for incidental fees such as checked bags, in-flight refreshments, and change fees.*
  • 20% Travel Bonus when redeeming with Membership Rewards® Pay with Points
  • Take advantage of 40 premium benefits and rewards, including 24/7 concierge service and dedicated business consultants
  • Complimentary airport club access to 600+ partner lounges, a $950/yr value
  • By Invitation Only: Receive exclusive access to events, ideal for entertaining clients or treating staff, worldwide that aren’t available to the general public
  • No pre-set spending limit*

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A N/A [You must pay your balance in full each month] $450 No N/A

The Platinum Card(R) from American Express

  • 25,000 Membership Rewards® points when you spend $2,000 during your first three months of Card membership.
  • Global Travel Benefits: Access over 600 lounges worldwide with Priority Pass™ Select, no foreign transaction fees, skip U.S. customs lines with Global Entry.
  • Enroll and select an airline to receive up to $200 annually in statement credits for incidental fees such as checked bags, in-flight refreshments, and change fees.*
  • Receive a companion ticket for discounted travel when you purchase a qualifying First- or Business-Class international ticket. Additional charges/taxes apply.
  • 24/7 Platinum Card® 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
  • Use Membership Rewards Pay with Points for part or all of your travel and get 20% of those points back every time.

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A N/A $450 annual fee No N/A

The Plum Card from American Express OPEN

  • The Everything, Everywhere Trade Terms Card(SM) from American Express OPEN
  • Pay in full within ten days, get a 1.5% discount
  • OR pay as little as 10% and take up to 2 months to pay off the balance, interest free
  • $0 introductory annual fee for the first year, then $185
  • A powerful cash flow management tool

Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A N/A $185 No Excellent