Blue from American Express offers the holders with 0% APR on all the purchases made by them for a period of one year and three months. These cards do not have any annual fees as well. The balance transfer APR is low and the rate of the fixed APR is 4.99%. However, this offer is applicable as long as there is balance in the card. In order to avail these cards the holders need to have an excellent credit record.

Citi Platinum Select Card offers its holders the benefit of 0% APR on transfers of balance activities. This offer is also applicable for the purchases made within a 1 year period. This card does not have any annual fee and also comes with Citi Identity Theft Solutions. There is also the advantage of zero dollar liability in case of purchases that are not authorized by the holder. This card also provides the holders with online account management solutions that are free of cost and secure. The holders need to have good credit records to avail these cards.

Capital One No Hassle Miles Rewards card provides the holders with 13.9% on balance transfer activities as well as purchases. The cardholders can also earn 1.25 miles for every dollar they spend on buying anything with the card. This card also does not have any seat limitations or blackout dates. There is no cap on the amount of miles that may be earned by the cardholders. There are no expiry dates on the miles as well. In order to avail these cards the holders need to have an excellent credit record. Having an excellent credit record is essential to secure these cards.

The holders of Citi Diamond Preferred Card receive a 0% APR for purchases for a period of one year and transfers of balance. The cardholders also receive zero dollar liability in cases of purchases that are not authorized. This card does not have any annual fee and the online management processes of this card are secure and free of cost. It is important to have a good credit record to avail these cards.

HSBC Platinum MasterCard with Cash Back Rewards provides the holders with a 0% introductory APR for transfers of balance and purchases made with the card. This offer is applicable for a year. The holders can also avail the chance for qualifying for the zero annual fee facility. They can earn any number of 1% cash back rewards that are provided on every new net retail purchase made by them. Having a good credit record is the primary requirement for securing this card.

The holders of Discover More Card are eligible to receive 5 to 20% Cashback Bonus facilities but the facility is applicable only for the leading retailers. They can also receive unlimited Cashback Bonus facilities up to 1%. This is applicable in case of all the other buys and the facility is automatically provided. The cardholders also have the chance of increasing as much as two times the rewards when they redeem their gifts from the 100 Cashback Bonus Partners of Discover. This card also does not have any annual fee and has online bill payment and account access facilities. An excellent credit record is needed to secure this card.

Some of the most popular low interest credit cards available in the United States include:

• Platinum Edition Visa Card
• Citi Diamond Preferred Rewards Card
• Capital One Platinum Prestige
• Bank of America WorldPoints Platinum Plus Visa Credit Card
• Blue Cash from American Express
• Bank of America Accelerated Rewards American Express Card
• Discover More Card – American Flag
• Discover More Card – Monogram
• Chase Platinum Credit Card
• Bank of America World MasterCard with WorldPoints
• Capital One Platinum
• GM Flexible Earnings Card
• Disney Rewards Visa Card from Chase
• Simmons First Visa Platinum
• Discover Open Road Card
• Pulaski Bank Visa
• Bank of America Visa Signature WorldPoints Rewards
• MERRILL + Visa Credit Card

Certain low interest credit cards are also provided to business organizations or people from the business world. Those may be mentioned as below:

• Advanta Platinum with Rewards
• Discover Business Cashback Card
• Chase Business Rebate Card
• Simply Cash Business Card from American Express
• Advanta Life-of-Balance Platinum Card
• Discover Business Miles Card
• CitiBusiness Card

There are certain low interest credit cards available in the USA that are solely meant for the students. Those cards may be enumerated as below:

• Citi Platinum Select Card for College Students
• Citi Dividend Platinum Select Card for College Students
• Capital One Platinum for Students
• Chase +1 Student MasterCard card
• Citi mtvU Platinum Select Visa Card for College Students
• Discover Student Card

The holders with a limited or fair credit record can avail the Capital One Classic Platinum card that offers 0% on purchases. This offer is applicable only till December, 2008. From December 2008 onwards the APR would be variable. The present APR is 14.9%. In case of exclusive savings there would be a maximum of 40% off in case of the featured deals and in case of the savings the rate is 10%. This card also provides the holders with Platinum benefits like extended warranties, roadside assistance for 24 hours and insurance against travel accidents. An average or a limited credit history is enough to secure this card.