Low Interest Credit Cards

Regular Credit Cards - These are the type of credit cards that our fathers and grandfathers used to carry. They are simply credit cards without any of the hoopla. These cards have THE lowest rates you will find. However, these cards are designed for applicants with EXCELLENT credit and adequate discretionary income . Most of the cards in this category will give an instant decision for applicants who have excellent credit. However, some of the lower APR cards may have a longer approval process. You can distinguish these cards by their credit type of "Strictly Excellent."
>> See All Regular Credit Cards

Airline Reward Cards - Airline reward cards, on average, have some of the highest interest rates we offer here at Direct Banc. However, they offer the some of the best rewards and are designed for people who pay their balance monthly. This class of credit card does have a few low rate cards, but what you gain in rate you lose in benefits. All in all, airline credit cards are a great deal for people with excellent credit who pay their balance in full every month. If you don't travel frequently, or tend to carry a balance from month to month, these cards aren't for you.
>>see All Airline Miles Cards

Business Credit Cards - - Business cards offer some of the best deals of ANY credit cards that are offered period. They offer low competitive rates and amazing rewards that are too many to list. The one caveat is, you have to be a business owner, partner, shareholder or have company authority to open the account. One thing to note is that Business Credit Cards are exempt from the newly enacted Credit Card Protection Act, so the same old rules apply to these cards.
>> See All Business Credit Cards.

Point Rewards Cards - Point reward cards are definitely the most popular reward cards and are offered by almost every card issuer. These cards give points for every purchase that you make then allow you to apply these points for discounts on merchandise, traveling, vacationing and cash rebates and more. Since this category "Low Interest Credit Cards" has separate sub-categories for Cash, Travel and Airline points cards, this section will focus on cards that offer discounts and merchandise other than those three sub-categories.
>> See All Point Rewards Cards.

Lowest Rate Travel Cards - Travel cards come in a few different flavors, hotel, airline, travel and gas rewards. Each of these cards will have a higher than average rate based on the fact that they offer some of the most lucrative rewards. These cards are great to put a vacation on and then pay it off in a few months, however, if you are going to take longer than a few months, we suggest that you transfer the balances to a 0% interest balance transfer card. Since this category "Low Interest Credit Cards" already has a sub-category of "Airline Miles" we will be focusing on hotel and travel point rewards.
>> See All Travel Reward Cards

Lowest Rate Cash Reward Cards - Cash reward cards are much like Airline credit cards with respect to how they should be used. These cards are best used on a daily basis and paid in full every month. If you use these cards to pay for groceries, gas, big and small purchases and even utility bills, you can rack up rebates in a hurry. The more you charge the more you earn. Just be careful, the first time you slip up and carry a balance from month to month you could lose all of your savings.
>> See All Cash-Back Credit Cards

Balance Transfer Cards - By definition, all of these cards have the lowest rates based on the fact that they all have 0% introductory rates. So, in this sub-category we have tried to list the lowest rate credit cards that have the best introductory offers and those that have the best rate after the intro offer is over. Just keep in mind, the rate that is shown after the intro-rate may be entirely different at the end of the intro offer. This is why we always recommend that you only transfer a balance that you can realistically pay off in the introductory offer.
>> See All Balance Transfer Cards