Generally the credit card interest rates are higher than any other loan. But, the customer need not worry about the interest rates, if he make the payment within a month. The credit card interest rates vary from card to card. The interest rate increases based on the customer’s outstanding payable amount.

Nowadays there are lot of credit card companies established and introducing hundreds of credit card offers in different categories. This trend led to a severe competition among these companies. So, inorder to attract new customers and to make their existing customers to remain, the companies offer variety of incentives to the consumers like cash back, 0% balance transfer fee and low interest rate etc.. Among all these special incentive schemes, the term low interest credit cards attracting more consumers. There are many credit cards which offer credits at low or 0% interest rates. Lets see the benefits and detailed descriptions of some of the specific offers.

Discover® More Clear Card: This card offers 0% Intro APR for purchases and Balance Transfers for 12 months and 5% cash back bonus on purchases in popular categories that change four times a year like home, apparel and more. Provides up to 1% cash back bonus on all other purchases automatically and unlimited cash rewards that never expire. Provides $0 fraud liability guarantee and easiest online account management options. There is no annual fee and the card members can DOUBLE their cash back bonus (turn $20 into $40) when they redeem for gift cards or certificates from 70 brand name partners.

Union Plus® MasterCard: This card offers FREE rewards program designed for hard-working union members. The card members get 2,000 bonus points after first purchase, more than halfway to a $25 Gift Card. Also earns 1 point for every dollar spent anywhere and Earns 2 Points for every dollar spent at gas stations, grocery stores, and drug stores. There are no balance transfer Fees and APR stays FIXED until the balance is paid in full. There is 1.99% introductory APR on new purchases. There is no annual fee and no liability for unauthorized use.

Discover® More Card: This card offers 0% Intro APR for Purchases and Balance Transfers for 12 months and 5% Cashback Bonus on purchases in popular categories that change four times a year like home, apparel and more. Provides up to 1% Cashback Bonus on all other purchases automatically. Provides $0 Fraud Liability Guarantee and easiest online account management options. There is no annual fee. The card members can DOUBLE their Cashback Bonus (turn $20 into $40) when they redeem for gift cards or certificates from many of the 70 brand name partners.

Discover® More American Flag Card:This card offers 0% Intro APR for purchases and balance transfers for 12 months and 5% Cashback Bonus on purchases in popular categories that change four times a year like home, apparel and more. Provides up to 1% Cashback Bonus on all other purchases automatically and unlimited cash rewards that never expire. Provides $0 fraud liability guarantee and easiest online account management options. There is no annual fee and the card member can DOUBLE their Cashback Bonus (turn $20 into $40) when they redeem for gift cards or certificates from many of the 70 brand name partners.