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Low Interest Credit Cards

Low interest credit cards are great for borrowing money. If you carry a credit card balance month to month, you can save a ton of money with these low-interest credit cards over time!

If you have $5,000 in credit card debt and are paying an interest rate of 19.99%, you can save $350 on interest after transferring the debt to a low 11.99% interest credit card for one year.

Your savings=Your debt * (high interest rate-low interest rate)

Both IBERIABANK and Simmons First offer very competitive low interest rate, but you have to have excellent credit to be approved. We recommend Discover More Card and Citi Platinum, as they are much easier to get approved.

Discover^® More Card

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
Click here for official application, terms, and details.

Intro APR	Intro APR Period	Regular APR	Annual Fee
0% on Purchases and on Balance Transfers	6 months on purchases, 12 months on B.T.	as low as 11.99% variable	None

	Citi^® Platinum Select^® MasterCard^® *0% APR on balance transfers and purchases for up to 15 months** Extra Cash from Citi: enjoy significant discounts on gift cards, travel, merchandise and more Citi^® Identity Theft Solutions No annual fee $0 liability on unauthorized purchases Secure, free online account management Click here for official application, terms, and details.

Intro APR	Intro APR Period	Regular APR	Annual Fee
0%* on Purchases and on Balance Transfers	up to 15 months	as low as 11.99% variable	None

	Slate^SM from Chase Now with Blueprint^SM 0% intro APR for up to 12 months on Purchases and Balance Transfers Pay down balances on your terms with Blueprint^SM Zero Liability on Unauthorized Purchases E-mail and text alerts Click here for official application, terms, and details.

Intro APR	Intro APR Period	Regular APR	Annual Fee
0% on Purchases and on Balance Transfers	up to 12 months	as low as 13.24%	None

Chase Freedom^SM Credit Card

3% bonus cash back offers in popular, rotating categories like gas, home improvement and department stores
Full 1% Cash Back on everything else - no spending tiers or caps on how much you can earn
Up to an additional 20% cash back at select merchants when you shop online through Chase
0% Intro APR and No Annual Fee
Click here for official application, terms, and details.

Intro APR	Intro APR Period	Regular APR	Annual Fee
0% on Purchases and on Balance Transfers	up to 6 months on purchases, up to 12 months on B.T.	as low as 12.99% variable	None

	IBERIABANK Visa Classic Low Introductory APR on balance transfers for the first 6 billing cycles No annual membership fee Click here for official application, terms, and details.

Intro APR	Intro APR Period	Regular APR	Annual Fee
1.99% on Balance Transfers	6 months	as low as 8.75%	None

	IBERIABANK Visa Gold Cash Back Rewards Card Earn 1% in cash back credit on all qualifying purchases No limit on cash back and no expiration date on eligibility for accounts in good standing Low Introductory APR on balance transfers for your first 6 billing cycles Travel accident coverage up to $500,000 No annual membership fee Click here for official application, terms, and details.

Intro APR	Intro APR Period	Regular APR	Annual Fee
1.99% on Balance Transfers	6 months	as low as 9.75%	None

	IBERIABANK Visa Platinum Rewards Card Earn 1 bonus point for every $1 in qualifying net retail purchases Turn your points into hotel, gift, or experience rewards Low Introductory APR on balance transfers for your first 6 billing cycles Travel accident coverage up to $1,000,000 No annual membership fee Click here for official application, terms, and details.

Intro APR	Intro APR Period	Regular APR	Annual Fee
1.99% on Balance Transfers	6 months	as low as 9.75%	None

	Simmons First Visa^® Platinum Low 7.25% variable standard purchase APR and platinum benefits No balance transfer fees Travel Insurance, Car Rental Loss/Damage Waiver and Emergency Cash and Credit Card Replacement No annual fee Click here for official application, terms, and details.

Intro APR	Intro APR Period	Regular APR	Annual Fee
N/A	N/A	7.25% variable	None

	Public Savings Bank Secured Card 0% APR on purchases for 6 months No annual fee or monthly fees Your income, employment and credit are not factors! Build good credit - we report to all 3 major credit bureaus Lifetime credit lines up to $10,000 Free Visa Rewards including auto collision damage and emergency card replacement Click here for official application, terms, and details.

Intro APR	Intro APR Period	Regular APR	Annual Fee
0% on Purchases	6 months	11.24%	None

	Citi^® Platinum Select^® MasterCard^® *0% APR on balance transfers and purchases for up to 15 months** Extra Cash from Citi: enjoy significant discounts on gift cards, travel, merchandise and more Citi^® Identity Theft Solutions No annual fee $0 liability on unauthorized purchases Secure, free online account management Click here for official application, terms, and details.

Intro APR	Intro APR Period	Regular APR	Annual Fee
0%* on Purchases and on Balance Transfers	up to 15 months	as low as 11.99% variable	None

Simmons First Visa^® Platinum Rewards

No balance transfer fees
Low 9.25% variable standard purchase APR and platinum benefits
Travel Rewards - receive one point per net dollar spent
Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
No Annual Fee
Click here for official application, terms, and details.

Intro APR	Intro APR Period	Regular APR	Annual Fee
N/A	N/A	9.25% variable	None

Chase Ink Cash Business Card

3% cash back at gas stations, restaurants, office supply and home improvement stores
Unlimited 1% cash back on all business purchases
Customized business credit line to meet your business needs
Add employee cards and earn cash back on their purchases
Control and manage expenses easily with customized alerts and reports
Every purchase protected with free built-in Zero Liability Protection
Click here for official application, terms, and details.

Intro APR	Intro APR Period	Regular APR	Annual Fee
0% on Purchases and on Balance Transfers	6 months	as low as 11.24%*	None

News

We have added more than a dozen new credit cards recently. Many of them offer exciting perks and cash back rebates. Click here to check out these offers.

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Low Interest Credit Cards

Your savings=Your debt * (high interest rate-low interest rate)

Both IBERIABANK and Simmons First offer very competitive low interest rate, but you have to have excellent credit to be approved. We recommend Discover More Card and Citi Platinum, as they are much easier to get approved.

Discover® More Card

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

Citi® Platinum Select® MasterCard®

0% APR* on balance transfers and purchases for up to 15 months

Extra Cash from Citi: enjoy significant discounts on gift cards, travel, merchandise and more

Citi® Identity Theft Solutions

No annual fee

$0 liability on unauthorized purchases

Secure, free online account management

SlateSM from Chase

Now with BlueprintSM

0% intro APR for up to 12 months on Purchases and Balance Transfers

Pay down balances on your terms with BlueprintSM

Zero Liability on Unauthorized Purchases

E-mail and text alerts

Chase FreedomSM Credit Card

3% bonus cash back offers in popular, rotating categories like gas, home improvement and department stores

Full 1% Cash Back on everything else - no spending tiers or caps on how much you can earn

Up to an additional 20% cash back at select merchants when you shop online through Chase

0% Intro APR and No Annual Fee

IBERIABANK Visa Classic

Low Introductory APR on balance transfers for the first 6 billing cycles

No annual membership fee

IBERIABANK Visa Gold Cash Back Rewards Card

Earn 1% in cash back credit on all qualifying purchases

No limit on cash back and no expiration date on eligibility for accounts in good standing

Low Introductory APR on balance transfers for your first 6 billing cycles

Travel accident coverage up to $500,000

No annual membership fee

IBERIABANK Visa Platinum Rewards Card

Earn 1 bonus point for every $1 in qualifying net retail purchases

Turn your points into hotel, gift, or experience rewards

Low Introductory APR on balance transfers for your first 6 billing cycles

Travel accident coverage up to $1,000,000

No annual membership fee

Simmons First Visa® Platinum

Low 7.25% variable standard purchase APR and platinum benefits

No balance transfer fees

Travel Insurance, Car Rental Loss/Damage Waiver and Emergency Cash and Credit Card Replacement

No annual fee

Public Savings Bank Secured Card

0% APR on purchases for 6 months

No annual fee or monthly fees

Your income, employment and credit are not factors!

Build good credit - we report to all 3 major credit bureaus

Lifetime credit lines up to $10,000

Free Visa Rewards including auto collision damage and emergency card replacement

Citi® Platinum Select® MasterCard®

0% APR* on balance transfers and purchases for up to 15 months

Extra Cash from Citi: enjoy significant discounts on gift cards, travel, merchandise and more

Citi® Identity Theft Solutions

No annual fee

$0 liability on unauthorized purchases

Secure, free online account management

Simmons First Visa® Platinum Rewards

No balance transfer fees

Low 9.25% variable standard purchase APR and platinum benefits

Travel Rewards - receive one point per net dollar spent

Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions

Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants

No Annual Fee

Chase Ink Cash Business Card

3% cash back at gas stations, restaurants, office supply and home improvement stores

Unlimited 1% cash back on all business purchases

Customized business credit line to meet your business needs

Add employee cards and earn cash back on their purchases

Control and manage expenses easily with customized alerts and reports

Every purchase protected with free built-in Zero Liability Protection

Discover^® More Card

5% Cashback Bonus^® in categories that change like travel, gas, groceries, restaurants and more

Citi^® Platinum Select^® MasterCard^®

**0% APR* on balance transfers and purchases for up to 15 months**

Citi^® Identity Theft Solutions

Slate^SM from Chase

Now with Blueprint^SM

Pay down balances on your terms with Blueprint^SM

Chase Freedom^SM Credit Card

Simmons First Visa^® Platinum

Citi^® Platinum Select^® MasterCard^®

**0% APR* on balance transfers and purchases for up to 15 months**

Citi^® Identity Theft Solutions

Simmons First Visa^® Platinum Rewards