0When you are carry on a monthly balance, having a low interest rate credit card can make a difference managing your finances because the low rates may assist you in paying down the balance in a more efficient and fast way.

However, before considering applying for a low interest rate credit card you should be aware that it is necessary to have a good credit history before you will qualify. You can get your credit report for free you can find out in advance where your credit history stands. This way you will know if it needs any type of repair before you apply for a low interest rate credit card.

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	CREDIT CARDS BY APR
	0% intro apr 0% interest card 4.99% apr 9.9% apr

	BY INTRODUCTORY PERIOD
	0% apr for 6 months 0% apr 12 months Credit cards 0% apr 9 months 12 months 0% on balance transfers

	FIXED APR CARDS
	0% fixed APR 0%-5% fixed APR 5%-10% fixed APR credit cards Over 10% APR credit cards

	PRIME PLUS APR RATE
	Low APR CitiBank consumer credit cards Low APR Citi business credit cards

	LIBOR PLUS APR RATE
	Low APR Citi consumer credit cards

	CARDS BY ISSUER
	Visa card fixed apr low Visa credit card low apr rates Discover card no apr on new purchases Discover credit card free interest for life Mastercard low apr Chase low interest credit cards Chase 0% APR

	LOW APR CARDS BY KIND
	Low apr business credit card Low apr credit cards Low apr no annual fees credit cards Low apr student credit cards Rewards visa low apr Fixed rate cash reward credit card Low percentage student credit cards

Discover More(SM) Card - Clear
0% Intro APR*
More ways to earn more cash - than anyone else.SM*
5% Cashback Bonus® 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 Discover® Card Rates, Fees, Rewards and Other Important Information.

The Discover® Platinum Clear Card by Morgan Stanley, is a fine reward card with platinum benefits. Through the cash back reward program, they receive up to 1% cash back for general purchases, 5% for purchases made at specific merchants (places like bookstores, home improvement stores, gasoline stations, restaurants), 0.25% made at certain discount stores and warehouse clubs. For the first $1,500 spent on general purchases with the card, members get 0.25%. Purchases between $1,500 and $3,000 means 0.5% cash back, and 1% for over $3,000. They can also earn up to a double Cashback Bonus® for redeeming their rebates for gift cards or certificates from participating Discover Card Partners. The rebates do not expire and there is no yearly limit. There is no annual fee, and a 0% introductory APR on purchases and balance transfers. They use two cycles billing practice, which costs more to the costumer than the average daily balance method. Compared to other platinum cards, sometimes the APR after the introductory rate is also quite high. However as long as cardholders pay in full every month, they can avoid high interest and low cash back reward option. They have good customer service and an excellent, easy-to-use site. The card also offers Auto rental insurance, Up to $500,000 in travel accident insurance, Fraud and security protection services, Various Internet account related services, No liability for unauthorized transactions, Discounts on products and services at participating merchants and retailers and more.

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