Low APR Credit Cards

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Discover it®

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Editor’s Rating — Great For: Cash back rewards in revolving categories like dining, travel or gas.

  • 0% intro APR on purchases & balance transfers for 14 months-then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power*.
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements*.
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S.-based customer service-anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

Credit Needed: Excellent

Average Approved Score: 691*

Lowest Approved Score: 658*

Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
0%14 Months 0%14 Months 10.99% – 22.99%* Variable $0

Capital One® Platinum Prestige Credit Card

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Editor’s Rating — Great For: Balance transfers and low introductory rates.

  • Get 0% intro APR on all purchases until February 2016; 10.9%-18.9% variable APR after that
  • Balance transfers also have a 0% intro APR until February 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • Pick the monthly due date that works best for you

Credit Needed: Excellent

Average Approved Score: 674*

Lowest Approved Score: 641*

Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
0%until February 2016 0%until February 2016 10.9% – 18.9%* Variable $0

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Barclaycard® Ring MasterCard® – 1% Back on Balance Transfers

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Editor’s Rating — Great For: Low interest rates with no balance transfer fees

  • Get a 1% Statement Credit back on the amount of balance transfers made in the first 60 days of account opening
  • No Balance Transfer Fees - start saving immediately!
  • A low 8% variable APR on balance transfers and purchases
  • No Annual Fees
  • 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

Credit Needed: Excellent

Average Approved Score: 734*

Lowest Approved Score: 707*

Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
N/AN/A N/AN/A 8.00%* Variable $0

Barclaycard® Ring MasterCard®

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Editor’s Rating — Great For: Low interest rates with no balance transfer fees

  • No Balance Transfer Fees - start saving immediately!
  • A low 8% variable APR on balance transfers and purchases
  • No Annual Fees
  • 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
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

Credit Needed: Excellent

Average Approved Score: 742*

Lowest Approved Score: 698*

Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
N/AN/A N/AN/A 8.00%* Variable $0

U.S. Bank Visa® Platinum Card

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Editor’s Rating — Great For: Low balance transfer introductory rates with no annual fee.

  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-23.99%
  • No annual fee*
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
  • Online account management and account alerts

Credit Needed: Excellent

Average Approved Score: 712*

Lowest Approved Score: 649*

Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
0%15 Months 0%15 Months 9.99% – 23.99%* Variable $0
* This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.