Only about 1 in 4 applicants are being approved for this card. You must have EXCELLENT spotless credit to qualify or you will be rejected. The low fixed rate on this makes this a good option for balance transfers. No fee for balance transfers. This card also has a low cash advance rate. Benefits include travel insurance and auto rental insurance.

One of the lowest rates available in the United States. This card is at the top of our list because it has a higher approval rate for applications than other low interest credit cards. That means you have a much better chance of getting approved for what you applied for. The rate applies to balance transfers and purchases, making this a good choice for carrying a balance or transferring a balance from a card with a higher rate. No balance transfer fee. Additional benefits include roadside assistance and extended warranties for purchases

The Capital One® No Hassle Miles(SM) Rewards card for people with excellent credit is by far one of the best and least costly airline reward cards available. Through the reward program, cardholders earn 1.25 miles per dollar spent on all purchases.

This is a good low interest credit card that offers a way to get some cash back. 3% balance transfer fee: $10 minimum, $75 maximum. Earn up to 1% Cashback Bonus on general purchases. 5% Cashback bonus for "Get More" program purchases. CashBack rewards: $25-1,500-.25%, $1,500-3,000-.50%, over $3,000- 1%. Redeem in $20 increments; no limit for amount earned. Double your Cashback bonus when you redeem points with partners such as AMC Theaters, Borders Books and Music, Pier 1, Gap and Red Lobster. Benefits include travel accident insurance, auto rental insurance, and various security and fraud protection services. This card will benefit those who pay off their balance each month, spend at least $3,000 a year (to receive the 1% cash rebate) and use their cashback awards at participating retailers (to receive double cash rebates).

Do not apply for this card unless you have EXCELLENT credit; you will also have to supply PROOF OF YOUR INCOME as well as a recent PAY STUB. If you do not, your application will be denied. If you have outstanding credit, this is a good choice for a low interest rate card. No annual fee. The low rates makes this a good choice for transferring balances from other cards. The intro rate is 0% on balance transfers for 6 months. Same low rate applies for cash advances. No fee for balance transfers or cash advances. The 2% foreign transaction fee. This card does not offer extraordinary benefits or services. This card will benefit those who will carry a balance without having to pay an annual fee.

One of the best reward cards available with one of the lower interest rates for a reward card. 12 or 6 months intro period, determined by a review of your application and credit score. Balance transfer fee is 3% ($5 min, $99 max). The Membership Rewards Express program is free and offers the best variety of rewards in the industry. Receive 1 point per $1 spent. Earn unlimited points; points do not expire. Benefits include purchase protection, discounts at select retailers and merchants, auto rental insurance, travel and emergency services, and a year-end financial statement. This card will benefit those who qualify for the lowest rate offered and plan to take advantage of the additional benefits and discounts available.

Created for those with good credit who want a travel reward card with a low interest rate. Earn 1 mile per $1 spent on regular purchases. Redeem miles for reduced or free airfare most major U.S. airlines (no blackout dates). Receive 12,000 bonus miles. Double Miles on up to $3,000 in restaurant and travel purchases each year. Earn up to 60,000 miles per year; unused miles will expire in 3 years if the account is inactive. 30,000 miles for round-trip coach ticket. You can also redeem miles for cash, merchandise or gift cards such as $100 Home Depot gift card (14,400 miles) or 1 night stay at a Marriott Hotel (14,900 miles). Benefits include travel accident insurance (up to $500,000), and auto rental insurance.

The Discover® More(SM) Card - American Flag, issued by Discover, is designed for those with very good credit who are looking for a cash reward credit card. Through the reward program, cardholders earn a 5% Cashback Bonus in categories like travel, home, gas, restaurants, movies, and more.