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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.

Discover it® – 14 Months

The Discover it credit card features 0% intro apr, cash rewards, and fair terms.

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Editor’s Rating — — The new Discover it card is out to change the way people think about credit cards. “It” is:

  • The new Discover it card is out to change the way people think about credit cards.
  • Fair…No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won’t increase your APR for paying late.*
  • Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
  • Plus a Cashback ConcerigeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
  • Flexible…Choose your own due date and pay up to midnight ET online or by phone.
  • Human…talk to a real person any time with 100% U.S.-based service.
  • Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently
    10.99% – 22.99%. *Click apply for Terms & Conditions.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% on purchases and balance transfers 14 months 10.99% – 22.99%* Variable $0 Excellent Credit

Citi® Diamond Preferred® Card

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Editor’s Rating — The Citi® Diamond Preferred® Card combines a 18-month, 0% balance transfer APR with a low regular APR.

  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% on purchases and balance transfers 18 months 11.99% – 21.99% (Variable) $0 Good Credit

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Citi Simplicity® Card

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Editor’s Rating: — Editor’s Pick, Best card for balance transfers or if you occasionally 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.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees – EVER
  • No penalty rate – EVER
  • No annual fee – EVER
  • Save time when you call with fast, personal help, 24 hours a day.
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% on purchases and balance transfers 18 months 12.99% – 21.99% (Variable) $0 Good Credit

More about this card

BankAmericard® Visa® Card

BankAmericard Cash

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Editor’s Rating —

  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% – 20.99% Variable APR
  • No annual fee
  • Enjoy Purchase Replacement coverage on lost, damaged or stolen purchases
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% Introductory APR on purchases and qualifying balance transfers 15 billing cycles 10.99% – 20.99% Variable on purchases and balance transfers $0 Excellent Credit

See Terms and Conditions accompanying application for additional offer details.

Capital One® Platinum Prestige Credit Card

Capital One® Platinum Prestige Credit Card

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

  • 0% intro APR until August 2014 on balance transfers
  • 0% intro APR until August 2014 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
Intro APR Intro Period Regular APR Annual Fee Credit Needed
0% on purchases and balance transfers until August 2014 10.9% – 18.9% (V) $0 Excellent Credit

Barclaycard® Ring MasterCard®

Barclaycard Ring MasterCard

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Editor’s Rating —

  • A low 8% variable APR on balance transfers and purchases
  • No Annual Fees
  • No Balance Transfer Fees – start saving immediately!
  • Choose your card benefits and features
  • Get rewarded through the new Giveback® program, where Barclaycard Ring members get money back for good performance
  • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
  • Learn more about personal finance from Barclaycard and other members
Intro APR Intro Period Regular APR Annual Fee Credit Needed
N/A N/A 8.0% (Variable) $0 Excellent Credit