Low APR Credit Cards
Reviews and opinions of the best credit cards with low regular APRs (interest rates). These cards are the best choice for cardholders who may occasionally carry a balance for one or more months.
Reviewed in American Express Credit Cards, Balance Transfer Credit Cards, Editor's Picks, Good Credit Credit Cards, Low APR Credit Cards
- Editor’s Pick - Low APR - For a great regular interest rate, intro APR, and Balance Transfer rate, Blue from American Express® is the card. You’ll also get the benefits of AMEX’s Membership Rewards Express program with no annual fee.
» Membership Rewards Express program
» 0% APR for up to 15 months
» No Annual Fee
» Low Balance Transfer APR — 4.99% Fixed APR for the life of the balance.
» Blue is your launch pad to standout shopping and entertainment rewards and one-of-a-kind experiences.
FICO Req’d
Intro
Regular APR
Fee
Good
0% for 15 months
as low as 8.99%
None
Reviewed in Average Credit Credit Cards, Balance Transfer Credit Cards, Chase Credit Cards, Low APR Credit Cards, Visa Credit Cards
- Get 0% Interest for up to 12 months on all purchases and balance transfers, plus a great low everyday APR and a great travel rewards program with the Chase Platinum Credit Card.
» 0% balance transfer offer for up to 12 months
» No Annual Fee
» Free Online Account Access
» Flexible rewards program redeemable for cash, gift cards, or reduced mileage award tickets on Continental, United, and British Airways
FICO Req’d
Intro
Regular APR
Fee
Average
0% for up to 12 months
as low as 11.24%
None
Continued
Reviewed in Discover Credit Cards, Excellent Credit Credit Cards, Gas Rewards Credit Cards, Low APR Credit Cards
- Editor’s Pick: Gas Rewards - Get more rewards from your gas and automotive purchases with the Discover® Open RoadSM Card.
» 0% Intro APR* for 12 months on balance transfers, 6 months on purchases.
» Save at the pump and everywhere else.*
» 5% Cashback Bonus on gas and auto maintenance purchases
» 5% to 20% Cashback Bonus at top online retailers*
» Up to 1% Cashback Bonus on all other purchases
» Unlimited cash rewards
» Increase, even double, the value of your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners
FICO Req’d
Intro
Regular APR
Fee
Good
0% for 6 Mos./12 Mos.*
10.99%
None
Continued
Reviewed in Balance Transfer Credit Cards, Capital One Credit Cards, Excellent Credit Credit Cards, Low APR Credit Cards
- Excellent Choice - Low APR - The Capital One® Platinum Prestige provides borrowers with excellent credit a super-low 7.9% regular APR.
» 7.9% APR on purchases and balance transfers
» Your APR will not increase simply because you pay late only once or go over your credit limit
» No annual fee and no balance transfer fees
FICO Req’d
Intro
Regular APR
Fee
Excellent
None
7.90%
None
Reviewed in Airline Rewards Credit Cards, Discover Credit Cards, Excellent Credit Credit Cards, Low APR Credit Cards, Travel Rewards Credit Cards
- For frequent fliers with excellent credit, Miles by Discover® Card gives you miles on any airlines, a great balance transfer rate and a low regular interest rate.
» 12,000 Bonus Miles*
» No annual fee
» Earn Double Miles on travel and gas*
» Intro APR is 0% for 6 months on balance transfers and purchases.
FICO Req’d
Intro
Regular APR
Fee
Good
0% for 6 months
10.99%
None
Reviewed in Capital One Credit Cards, Good Credit Credit Cards, Low APR Credit Cards, Visa Credit Cards
- The Capital One® Platinum credit card, for borrowers with good credit, offers:
» 12.9% APR on purchases and balance transfers
» Platinum membership - $0 fraud liability, 24 hour roadside assistance, and more
» No annual fee and no balance transfer fees
FICO Req’d
Intro
Regular APR
Fee
Reviewed in Average Credit Credit Cards, Balance Transfer Credit Cards, Chase Credit Cards, Good Credit Credit Cards, Low APR Credit Cards, MasterCard Credit Cards
- The Chase Platinum MasterCard® provides a flexible cash rewards program, low regular APR, and 12 month 0% introductory period on purchases and balance transfers.
» 0% Intro APR*
» The time period for the introductory APR and the balances to which it will apply will be based on our review of your application and credit history*
» No Annual Fee
» Flexible Rewards Program: Earn one point per eligible dollar spent. Redeem for your choice of Cash Back, Merchandise, Travel or Gift Cards.*
FICO Req’d
Intro
Regular APR
Fee
Good
0% for 12 months*
as low as 11.24%
None
Reviewed in Good Credit Credit Cards, Low APR Credit Cards, Visa Credit Cards
- FICO Req’d: Good
- APR: 9.50%
- Intro: 0%/12 mos
- Fee: None
- Don’t be left out in the cold with your current credit card. Zero worries. Zero hassles. Zero % Balance Transfers. The Pulaski Bank Visa Gold offers one of the lowest regular APRs anywhere.
» 9.50% APR
» Low Rate
» No Annual Fee
» 0% Balance Transfers
Apply Now »
Reviewed in Balance Transfer Credit Cards, Cash Rewards Credit Cards, Chase Credit Cards, Good Credit Credit Cards, Low APR Credit Cards, Visa Credit Cards
- Get great, simple cash rewards and a low interest rate with the Chase Free Cash RewardsSM Visa® Card.
» Earn 1 point for every dollar in purchases*
» 1,000 Bonus Points with your first purchase*
» Intro 0% Fixed APR for up to 6 months on all purchases and balance transfers*
» Get your rewards with as few as 2,500 points*
FICO Req’d
Intro
Regular APR
Fee
Good
0% for 12 months
as low as 11.24%
None
Reviewed in Balance Transfer Credit Cards, Cash Rewards Credit Cards, Discover Credit Cards, Good Credit Credit Cards, Low APR Credit Cards
- The Discover® More(SM) Card offers a low interest rate, great balance transfer offer, and great cash back rewards.
» Earn more cash in more ways than anyone elseSM*
» Unlimited cash rewards, automatically
» Up to 20% Cashback Bonus® when you shop online*
» Double rewards with more than 80 Cashback Bonus Partners*
» Customer Service in less than a minute, anytime you want
» Intro APR is 0% for 12 months on balance transfers and 0% for 6 months on purchases.
FICO Req’d
Intro
Regular APR
Fee
Good
0% for 12 Mos*
10.99%
None
Continued
Reviewed in Balance Transfer Credit Cards, Cash Rewards Credit Cards, Discover Credit Cards, Low APR Credit Cards
- The Discover® More(SM) Card - Clear provides a great interest rate, balance transfer rate, and cash back rewards program, all with no annual fee.
» Earn more cash in more ways than anyone elseSM*
» Unlimited cash rewards, automatically
» 5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
» Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus Partners
» Customer Service in less than a minute, anytime you want
» 0% Introductory APR*
FICO Req’d
Intro
Regular APR
Fee
Continued
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