Low Interest Rate Credit Cards

DirectBanc.com - Where to find Low Interest Rate Credit Cards

Welcome to Direct Banc®

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Thank you for visiting Direct Banc®, your ultimate shopping destination for unique, low interest rate credit cards and financial services. We have been helping our customers find the perfect credit cards safely and simply since 1999.

Our web site is i n t e n t i o n ally designed without flashy doo-hickies and pop-ups to help you find the very best deals in the least amount of time. We wish you the best of luck in finding the perfect credit card today, and as always we welcome your comments and opinions. Enjoy.

	Low Interest Cards Credit cards with 0% intro Rates or low fixed rate offers.
	Balance Transfers Transfer credit card balances to lower rate credit cards.
	Reward Programs Credit cards with varying rewards programs.
	Cash Back Credit cards that offer a cash rebate back to you.
	Airline Miles Air tickets and other airline related reward programs.
	Instant Approval Credit cards that offer an instant approval decision.
	Prepaid/ Debit Cards that are pre-loaded with money for use.
	Unsecured Cards Cards designed for those with imperfect credit.
	Gas Rewards Cards that offer a cash rebate on fuel purchases.
	Student Credit Cards Credit cards designed for students or limited credit.
	Travel Rewards Cards that offer discounts on travel expenses.
	Business Cards Credit cards for business owners and managers.
	Regular Credit Cards Credit cards with great rates for those with great credit.

Low Interest Credit Cards (Just Arrived)

Bryant State Bank MasterCard
	3.25% introductory APR for 6 months on Balance Transfers, after that your APR will be 11.25%. This APR will vary with the market based on the Prime Rate.

Discover® More® Card - Shamrock
	0% APR on Purchases for 9 months and 0% APR on Balance Transfers for 12 months. See terms and conditions for complete details.

Simmons First Visa® Platinum Rewards Card
	Low APR for all transactions. - 9.25% Points can be redeemed for U.S. based airline tickets with no black out dates, hotels, cruises, vacation packages, car rental, and restaurants.

Chase Freedom^SM
	Earn 3% cash back in rotating categories like gas, home improvement and department stores. Earn up to an additional 20% cash back at select merchants when you shop online through Chase.

Best in Class - Top 5 Credit Cards in Their Categories

Balance Transfers
Marginal Credit
Lowest APR
Instant Approvals
Airline Cards

Discover® More® Card - Issued by Discover

0% APR on Balance Transfers for a FULL 12 Months
0% APR on Purchases for a FULL 6 Months
5% Cashback Bonus® in Categories that Change Like Travel, Gas, Groceries, Restaurants and More
Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically
Turn Your Cashback Bonus into Bigger Rewards by Redeeming for Gift Cards from Over 100 Brand-Name Partners
Instant Response Within 60 Seconds
No Annual Fee

Category	Reward - Cash
Intro APR	0% APR for 12 Months*
APR	as low as 11.99%
Fee	$0

See All Balance Transfer Cards >>>

Orchard Bank Classic MasterCards - Issued by HSBC Bank Nevada, N.A.

Acceptance at Millions of Locations Worldwide, Including Website Purchases and Reservations
Your Account Information is Updated and at Your Fingertips 24/7 So You Can Manage It Your Way
E-Mail and Text Messages to Remind You of Your Upcoming Payment Due Date with Online Enrollment
On-call Customer Service Representatives to Assist You with Questions or Concerns

Category	Poor Credit
Intro APR	No introductory rate information available.
APR	7.90% - 19.90%
Fee	$39 - $79

All Credit Cards for Fair to Average Credit >>>

Simmons First Visa® Platinum - Issued by Simmons First National Bank

Excellent Credit Required - Applicants that do not have excellent credit will not be approved
Low 7.25% variable standard purchase APR and platinum benefits
No balance transfer fee for balances transferred in response to this online offer
No Annual Fee

Category	Regular
Intro APR	No Introductory Rate Available
APR	7.25%
Fee	$0

All Low Interest Rate Credit Cards >>>

American DreamCard™ Platinum MasterCard® - Issued by HSBC Bank Nevada, N.A.

Over $1.1 Million Awarded to Date!
Large Monthly Cash Jackpots!
Earn Entries From Everyday Shopping!
Get 1,000 Entries Just for Applying!
A New Cash Winner Every Month

Category	Reward - Other
Intro APR	No Introductory Rate Available
APR	14.99%
Fee	$0

All Instant Approval Credit Cards >>>

Delta Reserve Credit Card - Issued by American Express

Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
Earn up to 10,000 Medallion(R) Qualification Miles (MQMs) after your first purchase
Built-in Miles Boost^SM - earn up to 30,000 MQMs and 30,000 bonus miles
Complimentary Crown Room Club(R) access for you and two guests
Access to American Express(R) Concierge Services
Pay with Miles - pay for all or part of any Delta flight with your miles

Category	Airline Rewards
Intro APR	None
APR	14.50%
Fee	$450 per year

All Airline and Travel Cards >>>

Credit Card News

Depression Era Mentality? Consumers Going Back to Cash
Surveys show that 19 percent of people who do not use cash at all as well as 39 percent that are using less cash than the year before. In addition to this, if consumers can find the right type of credit card for their needs, chances are good they would be happy to use it. ..

Is There Hope for a Low Interest Rate Credit Card?
Card issuers are no longer able to boost a consumer's score if their risk profile changes, for example because the borrower failed to make an on time payment to another lender. This may mean that these lenders need to front load the risk. ..

Low Interest Rate Card: Rewards
The new laws that go into effect February 22, 2010 will make some significant changes to the way that lenders do business. With more restrictions on how they can make money (think lower fees and less ability to raise rates at any time) lenders are looking for ways to trim back the benefits they offer to the average consumer. ..

5 Ways to Ensure Low Interest Cards Are in Your Wallet
As you look for low interest cards, you may have learned about the Credit Card Accountability, Responsibility and Disclosure Act of 2009. It sounds like a great idea, and it will aid in many ways, but it does not offer consumers lower rates and it most definitely could spur lenders to charge you in other ways to make some for some of the restrictions that this act puts in place. ..

Credit Cards for Fair Credit Help Consumers: Don’t Cut Them Up!
Credit cards that are designed for people with fair to average credit are making a return. The credit limits are a little lower and they are a little stricter on income requirement, however, if you have damaged or bruised credit you still have options. ..

Low Interest Rate Credit Cards

Low Interest Rate Cards

DirectBanc.com - Where to find Low Interest Rate Credit Cards

Safe, Simple, Comprehensive