Low APR Credit Cards

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Discover it®

Editor’s Rating: | Credit Needed: Excellent | Average Approved Score: 684* | Lowest Approved Score: 641*

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  • 0% intro APR on purchases & balance transfers for 12 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Exclusive offer: Double all the cash back you've earned at the end of your 1st year - automatically.*
  • 5% cash back in categories that change each quarter like gas, restaurants and more - up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances and balance transfers on misplaced cards in seconds by mobile app & online*
  • Free FICO® Credit Score on statements, online & by mobile app.* And 100% U.S.-based service any time.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text- and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
0%*12 Months 0%*12 Months 10.99% – 22.99%* 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.