When you are carry on a monthly balance, having a low interest rate credit card can make a difference managing your finances because the low rates may assist you in paying down the balance in a more efficient and fast way.

However, before considering applying for a low interest rate credit card you should be aware that it is necessary to have a good credit history before you will qualify. You can get your credit report for free you can find out in advance where your credit history stands. This way you will know if it needs any type of repair before you apply for a low interest rate credit card.

Application for
Choice Privileges Platinum Visa Card

	CREDIT CARDS BY ISSUER
	Advanta American Express AMEX Bank of Canada Bank of America BANKFIRST Chase Citibank FIA Card Services First Bank of Delaware First PREMIER Bank First USA HFC Bank Limited HSBC Bank Nevada MetaBank Morgan Stanley New Millennium Bank Plains Commerce Bank Pulaski Bank U.S. Bank USA Credit

	CREDIT CARD CATEGORY
	Business Canada Catalog Charge Poor Credit Pre-Paid Regular Secured Student UK

	REWARD CARDS
	Airline Auto Cash Finance Gas Hotel Retail Travel Other

	CARD SELECTIONS
	Low Interest Rates Low Intro Rates Top Rated No Annual Fee Variable Rates Fixed Rates Balance Transfer

Choice Privileges Platinum Visa Card

APR (Purchases): Intro Rate - 1.9% for six billing cycles. Goto rate is variable risk based rate between Prime + 9.99% and Prime + 13.99%
APR (Balance Transfers): Intro Rate - 0% for six billing cycles. Goto rate is variable risk based rate between Prime + 9.99% and Prime + 13.99%
APR (Cash Advances): 21.99% Variable * minimum 19.99% . (P + 15.99%)
Finance Configuration: Average Daily Balance (including new purchases)*
Annual Fee: None
Additional Cardholders: $0
Grace Period: 20 Days (Min.)
Minimum Credit Limit: $500
Maximum Credit Limit: N/A
Late Payment Fee: $19 on balances up to $100; $29 on balances of $100 up to $1,000; and $39 on balances over $1,000
Over-The-Limit Fee: $35
Cash Advance Fee: 3%, $10 minimum
Balance Transfer Fee: None

Reward Program Details

Points per Dollar: 2 points per dollar
Points per Dollar spent at Choice Privileges locations: 15 points (2)
Points Expiration: Points earned in a calendar year will expire on Dec 31 of the second caelndar year following the year during which the points were earned.
Yearly Limit on miles you can earn: None
Bonus Miles: 6,000 points at first purchase
Redeem points towards free nights, airline miles, gift certificates.

*See website for complete terms and conditions of card usage and application disclosure. *Terms and Conditions
(2) 15 points per dollar is based on 10 points per dollar earned through Choice Privileges membership for eligible stays plus 5 points per dollar earned when paying for stays with the Choice Privileges Visa Platinum card linked to the same Choice Privileges membership.

Apply for Choice Privileges Platinum Visa Card

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