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Platinum Prestige MasterCard Secured Credit Card
Platinum Prestige MasterCard Secured Credit Card
Apply

on First Progress's website

Apply

on First Progress's website

APR
9.99%
Intro APR: None
Fee
$49
Rewards
N/A
Intro Bonus Worth: $0

Balance Transfer

None

Credit Range

Poor - Good

No Credit History or Minimum Credit Score Required for Approval
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Receive Your Card More Quickly with New Expedited Processing Option
Get Approved Fast - Just Click Below to Start the Process!
Discover it® Miles
Discover it® Miles
Apply

on Discover's website

Apply

on Discover's website

APR
11.99% - 23.99% Variable
Intro APR: 0% on Purchases for 14 months
Fee
$0
Rewards
1.5x Miles

Balance Transfer

10.99% Intro APR on Balance Transfers for 14 months

Credit Range

Good - Exceptional

We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
No Blackout Dates - fly any airline, stay at any hotel.
Redeem your Miles as a statement credit towards travel purchases.
Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
New! Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
No Annual Fee.
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
See additional details for Discover it® Miles
Discover it® - 18 Month Balance Transfer Offer
Discover it® - 18 Month Balance Transfer Offer
Apply

on Discover's website

Apply

on Discover's website

APR
11.99% - 23.99% Variable
Intro APR: 0% on Purchases for 6 months
Fee
$0
Rewards
5% Cash Back

Balance Transfer

0% Intro APR on Balance Transfers for 18 months

Credit Range

Good - Exceptional

New! Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.
Redeem your cash back for any amount, any time. Cash rewards never expire.
100% U.S. based customer service.
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
No annual fee.
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
NHL® Discover it® Card
NHL® Discover it® Card
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on Discover's website

Apply

on Discover's website

APR
11.99% - 23.99% Variable
Intro APR: 0% on Purchases for 14 months
Fee
$0
Rewards
5% Cash Back

Balance Transfer

0% Intro APR on Balance Transfers for 14 months

Credit Range

Good - Exceptional

Choose your favorite team & show your pride - all 31 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.
Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
New! Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
No annual fee.
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information. ©NHL
See additional details for NHL® Discover it® Card
Discover it® - Cashback Match™
Discover it® - Cashback Match™
Apply

on Discover's website

Apply

on Discover's website

APR
11.99% - 23.99% Variable
Intro APR: 0% on Purchases for 14 months
Fee
$0
Rewards
5% Cash Back

Balance Transfer

0% Intro APR on Balance Transfers for 14 months

Credit Range

Good - Exceptional

New! Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.
Redeem your cash back for any amount, any time. Cash rewards never expire.
100% U.S. based customer service.
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
No annual fee.
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
See additional details for Discover it® - Cashback Match™
Discover it® chrome
Discover it® chrome
Apply

on Discover's website

Apply

on Discover's website

APR
11.99% - 23.99% Variable
Intro APR: 0% on Purchases for 14 months
Fee
$0
Rewards
2% Cash Back

Balance Transfer

0% Intro APR on Balance Transfers for 14 months

Credit Range

Good - Exceptional

New! Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, 1% cash back on all your other purchases.
Redeem your cash back for any amount, any time. Cash rewards never expire.
100% U.S. based customer service.
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
No annual fee.
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
See additional details for Discover it® chrome
JetBlue Plus Card
JetBlue Plus Card
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on Barclaycard's website

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on Barclaycard's website

APR
12.99%, 20.99% or 25.99% Variable
Intro APR: 0% APR for 12 months for each Balance Transfer made within 45 days of account opening
Fee
$99
Rewards
2x Points

Balance Transfer

12.99%, 20.99% or 25.99% Variable

Credit Range

Very Good - Exceptional

Earn 30,000 bonus points after you spend $1,000 on purchases within the first 90 days
Earn 6 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking
Points awarded in your TrueBlue account don't expire
Earn 5,000 bonus points every year after your account anniversary
50% savings on eligible inflight purchases like cocktails and food & the primary cardmember's first checked bag is free on JetBlue-operated flights
Enjoy TrueBlue Mosaic benefits for one year after you spend $50,000 or more on purchases each calendar year with your card
Enjoy a $100 statement credit after purchasing a JetBlue Vacations package of $100 or more with your JetBlue Plus Card
See additional details for JetBlue Plus Card
Wells Fargo Cash Wise Visa® Card
Wells Fargo Cash Wise Visa® Card
Apply

on Wells Fargo's website

Apply

on Wells Fargo's website

APR
13.99% - 25.99% Variable
Intro APR: 0% on Purchases for 12 months
Fee
$0
Rewards
1.5% Cash Back on Everyday
Intro Bonus Worth: $200

Balance Transfer

0% Intro APR on Balance Transfers for 12 months

Credit Range

Good - Exceptional

Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
Earn unlimited 1.5% cash rewards on purchases
Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
No category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
$0 Annual Fee
Select "Apply Now" to learn more about the product features, terms, and conditions
See additional details for Wells Fargo Cash Wise Visa® Card
Wells Fargo Propel American Express® Card
Wells Fargo Propel American Express® Card
Apply

on Wells Fargo's website

Apply

on Wells Fargo's website

APR
13.99% - 25.99% Variable
Intro APR: 0% on Purchases for 12 months
Fee
$0
Rewards
3x Points on Gas
2x Points on Dining
1x Points on Everyday
Intro Bonus Worth: $200

Balance Transfer

0% Intro APR on Balance Transfers for 12 months

Credit Range

Good - Exceptional

Earn 20,000 bonus points after spending $1,000 in the first 3 months
Earn 3X points at U.S. gas stations, 2X points at U.S. restaurants, 1X point on other purchases
Redeem points for travel, gift cards, cash redemption options or merchandise through Go Far® Rewards
Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Propel American Express® Card
Earn an annual relationship bonus of 10% on non-bonus rewards points if you maintain a qualifying Wells Fargo account
0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
$0 Annual Fee
Select "Apply Now" to learn more about the product features, terms, and conditions
See additional details for Wells Fargo Propel American Express® Card
Discover it® for Students
Discover it® for Students
Apply

on Discover's website

Apply

on Discover's website

APR
13.99% - 22.99% Variable
Intro APR: 0% on Purchases for 6 months
Fee
$0
Rewards
5% Cash Back

Balance Transfer

10.99% Intro APR on Balance Transfers for 6 months

Credit Range

Fair

Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.
Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
No annual fee. No late fee on first late payment. No APR change for paying late.
Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
New! Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.99% - 22.99%.
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
See additional details for Discover it® for Students
Discover it® chrome for Students
Discover it® chrome for Students
Apply

on Discover's website

Apply

on Discover's website

APR
13.99% - 22.99% Variable
Intro APR: 0% on Purchases for 6 months
Fee
$0
Rewards
2% Cash Back

Balance Transfer

10.99% Intro APR on Balance Transfers for 6 months

Credit Range

Fair

Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter—no sign-ups needed. 1% cash back on all your other purchases.
Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
No annual fee. No late fee on first late payment. No APR change for paying late.
Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
New! Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.99% - 22.99%.
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
See additional details for Discover it® chrome for Students
Platinum Select MasterCard Secured Credit Card
Platinum Select MasterCard Secured Credit Card
Apply

on First Progress's website

Apply

on First Progress's website

APR
13.99%
Intro APR: None
Fee
$39
Rewards
N/A
Intro Bonus Worth: $0

Balance Transfer

None

Credit Range

Poor - Good

No Credit History or Minimum Credit Score Required for Approval
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Receive Your Card More Quickly with New Expedited Processing Option
Get Approved Fast - Just Click Below to Start the Process!

Advertiser Disclosure: The credit card offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation, however the compensation does not impact how or where the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

*For complete information, see the offer terms and conditions on the issuer's website. Once you click apply you will be directed to the issuer's website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

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Low interest credit card basics

What APR is and how it works

APR, or the annual percentage rate, is the interest rate you pay when you borrow against your credit card’s credit limit. If your interest rate is 18%, then dividing by 365 days would yield a daily rate of 0.0493%. The balance you have on your credit card would be charged interest daily until the balance is paid off. If you had a $500 balance and paid $100 when the bill was due 30 days later, then you could pay $7.40 in interest. But, if you paid this same balance 12 days in, then you could pay $6.51 in interest for that month. Since interest is charged at a daily rate, the sooner you pay, the less interest is accumulated. Most issuers will not charge any interest if the balance is completely paid off at the end of the billing cycle.

Fixed and Variable APRs

Credit cards can use both fixed and variable APRs. When an APR is fixed, then that interest percentage does not change, unless an event occurs such as an expiration of a promotional APR, the triggering of a penalty APR, or if the issuer notifies in writing of changes to the services agreement, including APR increases. Variable APRs change more frequently, since they are based on the Prime Rate. This rate is based on a survey of banks, who, in turn, make changes based on movements made by the Federal Reserve.

Types of low interest credit cards

Low interest credit card offers come in two different varieties. The first is for new purchases and typically include a low or 0% APR as a promotion, which lasts for a specific amount of time. These types of promotional credit cards can be a good option when purchasing an expensive item, such as a major appliance, where you could spread the payments over multiple months. The other involves balance transfer promotions and can include a low or 0% APR when you transfer a balance from an old credit card to the new card. These can be helpful when responsibly used to pay down existing credit card debt.

What a "Schumer box" is

Sometimes called a “summary box”, it will display an outline of the costs associated with a credit card. This visually distinct box is the same format that is accompanied with all credit card offers, and was meant to make comparisons easier. The information found in this box includes:

  • Promotional APRs: For both purchases and balance transfers, the APRs and promotional periods are listed. Some issuers may not provide promotions for each and will often provide promotional APRs for purchases only or balance transfers only. When the promotional period begins could be different as well, such as the period starting from the first purchase date or balance transfer date.
  • Standard APRs for purchases, balance transfers, and cash advances: This section will provide the APR range that is available based on creditworthiness, and will also list any variable or fixed APRs. APRs may differ significantly based on the type of transaction: new purchases, balance transfers, and cash advances.
  • Penalty APRs: This section will list the penalty APR associated with late or missed payments, or even payments below the monthly minimum payment. It can also describe when these penalty APRs are applied.
  • How to avoid paying interest on purchases: The applicable conditions to avoid paying interest will be listed here. Typically, most issuers will not charge interest as long as the balance is paid before the end of the billing cycle.
  • Minimum interest charge: Oftentimes, this states the minimum amount that the issuer will charge for interest. For example, if this minimum charge was $0.50 and you carried over a $1.00 balance, then you would not be charged any interest, since interest for that $1.00 could be 1.5 cents for that billing month with an average APR.
  • Set up and maintenance fees: This section will list any additional service fees, such as annual fees, account set up fees, fees for requesting additional cards, fees for requesting a credit limit increase, fees for re-opening an account, paper statement fees, alternative payment fees, and a participation fees, which could be added when requesting to add an authorized user.
  • Transaction fees: This area will list the fees for balance transfers, cash advances, and foreign transactions. These fees can be a dollar amount or a percentage based on the amount of the transaction.
  • Penalty fees: These include fees for late payments, going over the credit limit, and returned payments.

1 Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More.