Low APR Credit Cards

— 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–15 years in a row! (2011 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.

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

— Editor’s Pick: If You Carry a Balance — The Citi Simplicity® Card is an ideal choice for cardholders who carry a balance. There is an attractive 0% intro APR for 21 months and there are no late fees and no penalty rates.

• 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*

— Slate (SM) from Chase features the revolutionary new Blueprint(SM) program, giving you control over the charges you want to pay in full and those you want to pay over time.

• Earn $75 Statement Credit after you make $300 in purchases in your first 3 months
• 0% Intro APR for up to 15 months a variable APR as low as 11.99% -21.99% after your 0% ends
• Slate with Blueprint® helps you pay down your balances faster and save on interest
• Transfer your higher rate balances
• No Annual Fee

— Recommended Card for Travel Rewards — 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.

• Earn up to $120 in travel rewards–1,000 Bonus miles every month you make a purchase for the first year
• Double Miles on every $1 you spend
• 0% intro APR on purchases and balance transfers for 6 months, then the variable APR of 10.99% – 16.99%
• No restrictions on travel–fly on any airline, book any hotel or car, with no blackout dates
• Flexible redemption options like travel credits, merchandise, gift cards or cash
• Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
• Ranked #1 in customer loyalty–15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
• Great rewards with no annual fee, no rewards redemption fee, and no additional card fee

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

— The Citi® Diamond Preferred® Card combines a 18-month, 0% balance transfer APR with a low regular APR and a $30 credit with your approved application.

• 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the variable APR will be 11.99%-
• 19.99% based on your creditworthiness.*
• $0 Liability on unauthorized purchases
• Citi® Identity Theft Solutions
• Secure, free online account management
• No annual fee*

— Lowest Regular APR — The Pulaski Bank Visa Card provides the lowest regular credit card interest rate anywhere—currently 6.5%.

• One of the best regular interest rates in the country
• 0% APR on balance transfers for 6 months
• No balance transfer fee
• No annual membership fee
• Fixed low regular APR