Low APR Credit Cards

Editor’s Rating — — Editor’s Pick, Best Overall Card. The Discover® More® Card offers a 0% APR on balance transfers and purchases for 15 full months and unlimited cash back rewards.

• 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% – 20.99%*
• 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more. Limitations apply*
• Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
• Discover is ranked #1 in customer loyalty–16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
• 24/7 access to a U.S.-based Account Manager within 60 seconds
• $0 Fraud Liability plus mobile and email fraud alert options
• Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
• *Click apply to view rates, fees, rewards, limitations and other important information.

Editor’s Rating — — Editor’s Pick, If You Carry a Balance

• 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% – 21.99% based on your creditworthiness.
• Peace of mind through direct access to a service representative, no late fees and no penalty rate
• No annual fee

Editor’s Rating:

• No Balance Transfer Fee!*
• 0% Intro APR for 15 months on purchases and balance transfers
• Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee!
• After the first 30 days, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5
• Avoid interest on everyday purchases
• Pay down your balance faster
• Zero liability on unauthorized purchases*
• No Annual Fee*

Editor’s Rating — — Editor’s Pick, Balance Transfers.

• 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% – 20.99%*
• 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% – 20.99%*
• 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more. Limitations apply*
• Discover is ranked #1 in customer loyalty–16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
• 24/7 access to a U.S.-based Account Manager within 60 seconds
• $0 Fraud Liability plus automatic mobile and email fraud alert options
• Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
• *Click apply to view rates, fees, rewards, limitations and other important information

*View Discover® Card Rates, Fees, Rewards, and Other Important Information

Editor’s Rating — — Lowest regular APR for applicants with excellent credit!

• 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

Editor’s Rating — — Editor’s Pick, Low Regular APR.

• 0% intro APR until September 2013 on balance transfers
• 0% intro APR until September 2013 on purchases
• No annual fee
• $0 Fraud Liability if your card is lost or stolen
• 24-hour travel assistance gives you a replacement card and cash advance
• 24-hour roadside assistance
• Pick an image for your card—choose the one shown here, any of the hundreds in our collection or add your own