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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® More® Card

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Editor’s Pick! — The Discover® More® Card offers a 0% APR on balance transfers for 12 months, 0% APR on purchases for six months, and unlimited cash back rewards.

» 5% to 20% Cashback Bonus® at Top Online Retailers*
» Up to 1% Unlimited Cashback on All Other Purchases

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

FICO Req’d
Intro
Regular APR
Fee

Good
0%/12 Mos* BT
as low as 11.99%
None

Read a full review of this card

Slate(SM) from Chase

— 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.

  • 0% intro APR for up to 12 months.
  • No Annual Fee.
  • New innovative card design.
  • Blueprint free and customizable account features that help you avoid unnecessary interest and pay your balances down faster, providing unprecedented control over managing your card
FICO Req’d
Intro
Regular APR
Fee

Good
0% for up to 12 Mos.*
as low as 13.24%*
None

*Rates and balance transfer period may vary based upon applicant creditworthiness. See full terms and conditions for details.

Miles by Discover® Card

Miles Card from Discover® Card

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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.

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

FICO Req’d
Intro
Regular APR
Fee

Good
0% for 6 months
as low as 11.99%
None

Citi® Diamond Preferred® Card

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— The Citi® Diamond Preferred® Card combines a 12-month, 0% balance transfer APR with a low regular APR and a $30 credit with your approved application.

  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 9.99%-19.99%. This APR will vary with the market based on the Prime Rate. Both the rate and duration of this offer will be based on your creditworthiness*
  • $30 Statement Credit*
  • Concierge service that caters to your needs 24/7
  • Citi® Identity Theft Solutions
  • Secure, free online account management
  • No annual fee
FICO Req’d
Intro
Regular APR
Fee

Good
0%/12 Mos* BT
9.99% -19.99%
None

Read a full review of this card

Pulaski Bank Visa Card

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
FICO Req’d
Intro
Regular APR
Fee

Good
0% for 6 months
6.5%
$35

Read a full review of this card