Low Interest Card Offers

Some cards herald their low interest rate. Of course, low is a relative term. Interest rates vary on these cards, so some are lower than others. I would suggest comparing the interest rates, as well as the rewards, the introductory offers, balance transfer rates (in case you plan to transfer higher interest balances) and the convenience of applying for the card. Low interest rate may apply to introductory offers also. Introductory offers are time limited and the time period is usually 6 months, 12 months or, you may see a more lengthy 18 months. Consequently, you certainly want to be aware of the initial interest rate, the time period and the fixed rate. Low interest rates are usually offered to customers with good credit. Apply online and begin to enjoy your new low interest rate credit card.

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Capital One® Spark℠ Miles for Business

Earn 2 miles per dollar on every purchase, every day
Get 10,000 bonus miles - just spend $1,000 within the first 3 months
Receive 5,000 bonus miles by signing up for one or more employee cards
Enjoy exclusive, award-winning customer service
$0 intro annual fee for the first year; $59 after that
There's no limit to the amount of miles you can earn and miles don't expire
Redeem miles for travel, cash back, gift cards, merchandise, and more
Fly on any airline, anytime, with no blackout dates or seat restrictions

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N/A* Intro APR

N/A*Intro Period

APR: 13.90% Variable on Purchases and BT

$59.00*Annual Fee

4.0

PenFed Visa Platinum Gas / Cash Rewards Card

13.99% APR -- lower than most rewards cards!
Earn 5.00% cash back from gas purchases paid at the pump*
Earn 1.00% cash back from all purchases** you make with the card during each billing cycle
Up to $50,000 limit
No Annual Fee
Cash Rewards credited each month
No special restrictions to earn your cash rewards
Limited Time Only – Low Balance Transfer Rates†
You must be a Pentagon Federal Credit Union member to apply.

4.99%* Intro APR

24 months*Intro Period

13.99%*APR

$0.00*Annual Fee

5.0

United MileagePlus® Explorer Visa® Card

Earn up to 40,000 bonus miles and first year free, a $95 value*
Check your first bag for free on United and Continental-operated flights, up to a $50 value round trip
Board your flight before general boarding with priority boarding privileges
Visit the United Club with two complimentary day passes every year, up to a $100 value
Earn 2 miles for $1 spent on tickets purchased from United and Continental and 1 mile per $1 everywhere else
Enjoy exclusive access to once-in-a-lifetime events through Inside Access from Chase
Your miles don¿t expire and there is no limit to the number of miles you can earn

N/A* Intro APR

N/A*Intro Period

14.24% (V)*APR

$0.00*Annual Fee

4.5

Chase Continental Airlines OnePass® Plus Card

Earn up to 40,000 bonus miles & first year free ($95 value)*
Now with priority boarding privileges on Continental and United flights
Check your first bag for free on Continental and United flights, up to a $50 value
Visit the United Club with two complimentary passes every year, a $100 value
Earn 2 miles for $1 spent on tickets purchased from Continental and United and 1 mile per $1 everywhere else
Your miles don't expire and there is no limit to the number of miles you can earn

N/A* Intro APR

N/A*Intro Period

14.24% (V)*APR

$95.00*Annual Fee

4.5

Marriott Rewards® Credit Card from Chase

Earn 30,000 Bonus Points after your first use, redeemable for up to 4 free nights; plus receive 2 free night stay e-certificates upon account approval, that's enough up to 6 free nights at a category 1 hotel
No Annual fee for your first year that's a $45 value*
Earn 3 points for every $1 spent at Marriott® locations
Earn 1 point for every $1 spent on other purchases
Cardmembers achieve Silver elite status with 10 nights credit toward Elite status
Redeem Marriott Rewards® points at Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites
No annual fee for first Year Free, then $45

N/A* Intro APR

N/A*Intro Period

14.24% (V)*APR

$45.00*Annual Fee

4.0

British Airways Visa Signature® Card

Pay no foreign transaction fees when you travel abroad
Earn 100,000 BA miles - 50,000 bonus BA Miles after your first purchase plus earn an additional 50,000 BA Miles after you spend $2,500 in the first 3 months of account opening
That's enough miles for 2 transatlantic reward flights
Earn 2.5 BA Miles for every $1 spent on British Airways purchases
Earn 1.25 BA Miles for every $1 spent on all other purchases
Every year you spend $30,000 on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years.

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N/A* Intro APR

N/A*Intro Period

14.24% (V)*APR

$95.00*Annual Fee

4.0

Chase Sapphire℠ Card

Limited Time Offer! - Earn 25,000 bonus points after you spend $3,000 in the first 3 months - that's $250 toward a flight or any other reward!
2 points per dollar spent on dining & 1 point per dollar spent on all other purchases.
Points never expire and there are no limits on how many points you can earn
Redeem points for travel, gift cards, merchandise, cash back and more
24/7 direct access to expert service advisors (No voice recording)
No annual fee!

N/A* Intro APR

N/A*Intro Period

15.24% (V)*APR

$0.00*Annual Fee

4.5

Southwest Airlines Rapid Rewards® Plus Card – FREE FLIGHT

NOW! Earn a FREE FLIGHT after your first purchase
Get 3,000 Points every year on your Card member Anniversary – that can be redeemed for a $50 Wanna Get Away® Fare
Now you can redeem for International Travel, Hotels, Gift Cards and more.
Earn unlimited FREE FLIGHTS – 2 Points per $1 Spent on Southwest Purchases and 1 Point per $1 Spent on EVERYTHING else
Your Bags Fly FREE! No Blackout Dates, Points Don't Expire, and Unlimited Reward Seats!
No Change fees – if you need to change your flight, you won't be charged a fee
September 11th Security Fee Applies

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N/A* Intro APR

N/A*Intro Period

15.24% (V)*APR

$69.00*Annual Fee

5.0

Discover® Miles Card

Earn up to $120 in travel rewards--1,000 Bonus miles every month you make a purchase for the first year
1 Mile on every $1 you spend
0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%*
No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
Flexible redemption options like travel credits, merchandise, gift cards or cash
Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee *Click apply to view rates, fees, rewards, limitations and other important information

0%* Intro APR

6 months*Intro Period

10.99 - 16.99% (V)*APR

$0.00*Annual Fee

4.0

Capital One® Platinum Prestige Credit Card

0% intro APR until May 2013 on balance transfers
0% intro APR until May 2013 on purchases
No annual fee
$0 Fraud Liability if your card is lost or stolen
24-hour travel assistance gives you a replacement card and cash advance
24-hour roadside assistance
Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own

0%* on purchases and BTIntro APR

until May 2013*Intro Period

APR: 10.9% - 18.90% Variable on Purchases and BT

$0.00*Annual Fee

4.5

SimplyCash® Business Card from American Express OPEN

Get 5% cash back on wireless services and office supply purchases*
Get 3% cash back on automobile gasoline*
Get 1% cash back on other purchases*
No limit to the amount of cash back you can earn
Cash back on purchases is automatically credited to your statement each month
Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®
No annual membership fee

0%* Intro APR

up to 12 months*Intro Period

12.24% - 19.24% (V)*APR

$0.00*Annual Fee

5.0

Ink℠ Plus with Ultimate Rewards℠ - $100 Bonus Cash Back

Earn up to 35,000 bonus points in your first year $100 cash back after first purchase that's 10,000 bonus points*
Complimentary airport lounge access
Premium travel benefits
No limit to the number of points you can earn – and points never expire
Points are 25% more valuable than American Express Membership Rewards points when you book travel through Ultimate Rewards*
0% Introductory APR*
First year free ($60 value)*

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0%* Intro APR

6 months*Intro Period

13.24% - 19.24% (V)*APR

$60.00*Annual Fee

5.0

Capital One® Orbitz® Visa® Platinum

3 points per dollar spent on eligible Orbitz.com bookings
Get 1 point per dollar on all other purchases
Bonus points on eligible Orbitz.com bookings
No limit on the points you can earn and points don't expire
Redeem for travel, merchandise, gift cards and more
Earn travel quickly with low redemption minimums
250 point refueling bonus when you redeem points for awards
No annual fee

0%* on purchasesIntro APR

until February 2013*Intro Period

APR: 13.9% - 19.90% Variable on Purchases and BT

$0.00*Annual Fee

4.5

Capital One® VentureOne℠ Rewards Credit Card

1.25 miles per dollar on every purchase, every day
Earn 10,000 bonus miles, equal to $100 in travel
Redeem miles for airline tickets, hotel rooms, car rentals and more
No limit on the miles you can earn and miles won't expire
Fly free on any airline, any time with no blackout dates
0% intro APR on purchases until February 2013
No foreign transaction fees
No annual fee

0%* on purchasesIntro APR

until February 2013*Intro Period

APR: 11.9% - 19.90% Variable on Purchases and BT

$0.00*Annual Fee

4.5

Capital One® Venture℠ Rewards Card - $100 Travel Rewards

Money® Magazine's "Most Rewarding Card if you crave free airline flights"
2 miles per dollar on every purchase, every day
Earn 10,000 bonus miles, equal to $100 in travel
Redeem your miles for ANY travel expense
No limit on the miles you can earn and miles won't expire
Fly free on any airline, any time with no blackout dates
No foreign transaction fees
$0 intro for first year; $59 after that

N/A* Intro APR

N/A*Intro Period

APR: 11.9% - 19.90% Variable on Purchases and BT

$59.00*Annual Fee

4.5

LSU Tigers™ Platinum MasterCard® from Capital One®

2 points per $1 on purchases at gas stations and major grocery stores
1 point per $1 spent on all other purchases
No limit on the points you can earn and points don't expire
Redeem for travel, gift cards and merchandise
Choose from 2 unique LSU card designs or create your own image card
0% intro APR on purchases until February 2013
No annual fee

0%* on purchasesIntro APR

until February 2013*Intro Period

APR: 13.9% - 19.90% Variable on Purchases and BT

$0.00*Annual Fee

4.5

Capital One® Spark℠ Miles Select for Business

Get a 50% bonus on the cash back you earn every year
Earn 1% cash back on every purchase, every day
Save with 0% intro APR until August 2012
Enjoy no annual fee
Get online Quarterly and Year-End Summaries
There's no limit to the amount of miles you can earn and miles don't expire
Fly on any airline, anytime, with no blackout dates or seat restrictions

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0%* Intro APR

until August 2012*Intro Period

APR: 14.9% - 19.90% Variable on Purchases and BT

$0.00*Annual Fee

4.5

Discover® More Card - $0 Balance Transfer Fee!

Limited Time Offer - $0 Balance Transfer Fee!*
0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%*
5% Cashback Bonus in categories that change like gas, restaurants, department stores and more. Limitations apply*
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S.-based Account Manager within 60 seconds
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee *Click apply to view rates, fees, rewards, limitations and other important information

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0%* Intro APR

12 months*Intro Period

10.99% - 19.99% (V)*APR

$0.00*Annual Fee

5.0

Capital One® Cash Credit Card

$100 Bonus after you spend $500 in the first 3 months
50% bonus on the cash back you earn every year
1% cash back on all purchases
No annual fee
Earn unlimited cash rewards that don't expire
Redeem cash rewards anytime for any amount, even set up automatic redemption
Personalize your card with an image of your choice
0% intro APR on purchases and balance transfers until February 2013

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0%* Intro APR

until February 2013*Intro Period

APR: 12.90% - 20.90% Variable on Purchases and BT

$0.00*Annual Fee

4.0

Discover® Motiva℠ Card

Earn Cashback Bonus for your good credit management
0% Intro APR on purchases and balance transfers for 15 months, then the variable purchase APR of 10.99% - 20.99%*
Up to 20% Cashback Bonus at popular retailers when you shop through Discover.com
Ranked #1 in customer loyalty -- 15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
24/7 access to a U.S. based Account Manager within 60 seconds
$0 Fraud Liability plus automatic mobile and email fraud alerts
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee *Click apply to view rates, fees, rewards, limitations and other important information

0%* Intro APR

15 months*Intro Period

10.99% - 20.99% (V)*APR

$0.00*Annual Fee

5.0

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Always review the terms and conditions that apply to any offer when making an online application. While every effort is made to ensure the accuracy of the information we provide, changes can occur without notice at any time. All information on credit cards is given without warranty. Certain restrictions, limitations and exclusions apply. Check your Guide to Benefits for details when you open your account.

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