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Low APR Credit Cards

APR stands for Annual Percentage Rate. Since nobody wants to pay a higher than average interest rate on a credit card balance, it is worth looking for a card that offers a lower than average APR. Simply put, the lower the rate the better for you, because it means you pay less interest on the card's balance. An APR can be "fixed" or "variable". Fixed-rate APRs are usually somewhat higher, but you can be sure of the exact amount of interest you will be paying at the end of each month. A variable or "floating" rate will fluctuate based on an, usually the "prime rate" as the one published in the Wall Street Journal. Fortunately, the "Prime rate" doesn't change too frequently. These days, more and more banks are offering cards with variable rate APRs instead of fixed interest rate cards. It might be a fair practice, because they want to be able to adjust your credit card interest rate when the federal rate changes. But if you look hard, you can still find good fixed rate credit card offers or cards with very low variable interest rates. We compiled a list of some of the best "low APR" credit cards we could find on the net. We hope you like this selection, and will be able to benefit of the savings these low APR credit card can offer.

Apply to get Blue Cash Everyday Card from American Express

Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: 17.24%-22.24% Variable
APR for Balance Transfers: As low as Prime + 13.99% (Currently 17.24%)

Blue Cash Everyday^SM Card from American Express
Earn up to 5% cash back on everyday purchases - even gas!

Earn $100 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
0% intro APR on purchases for 12 months, flexibility to pay over time
Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
NO spend minimum, NO enrollment, and NO rotating rewards categories
Get a $25 Referral Bonus for each friend or family member who is approved for the Card
No annual fee, flexibility to pay over time

See Terms, Conditions & Disclosures

Get more info about the Blue Cash Everyday^SM Card from American Express

Apply for the Blue Cash Everyday^SM Card from American Express

Intro APR for Purchases: 0.00% (for 15 Months*)
Ongoing APR: 10.99-20.99%
APR for Balance Transfers: 0.00% (for 15 Months*)

Discover® More Card
Apply NOW!

0% intro APR on purchases and balance transfers for 15 months, then the variable APR of 10.99% - 20.99%*
5% Cashback Bonus(R) in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
Up to 20% Cashback Bonus at popular retailers when you shop online through Discover
Up to 1% unlimited Cashback Bonus on all other purchases
$0 Fraud Liability plus automatic mobile and email fraud alerts
No Annual Fee

*Click apply to view rates, fees, rewards, limitations and other important information.

Get more info about the Discover® More Card

Apply for the Discover® More Card

Apply to get Blue Sky from American Express®

Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: 17.24%-22.24% Variable
APR for Balance Transfers: As low as Prime + 13.99% (Currently 17.24%)

Blue Sky from American Express®
Say good-bye to Travel Reward Restrictions!

7,500 bonus points when you spend $1,000 within 3 months — redeemable for a $100 statement credit.
No annual fee.
Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel —anytime.
Pay your bill all at once, or over time. It's up to you.
Blue Savings Program(R): big deals on big brands, all the time.
Get a decision in as little as 60 seconds.

See Terms, Conditions & Disclosures

Get more info about the Blue Sky from American Express®

Apply for the Blue Sky from American Express®

Intro APR for Purchases: 0.00% (for *)
Ongoing APR: 10.99%-15.99%
APR for Balance Transfers: 0.00% (for 12 Months*)

Miles by Discover® Card
A Miles card with no annual fee!

Earn 10,000 Bonus Miles with every $2,000 spent — up to 20,000 Bonus Miles
1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash
0% intro APR on balance transfers for 12 months, then the variable purchase APR of 10.99% - 15.99%*
No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report)
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.

Get more info about the Miles by Discover® Card

Apply for the Miles by Discover® Card

Apply to get True Earnings® Card from Costco and American Express

Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: 15.24% Variable
APR for Balance Transfers: 15.24

True Earnings® Card from Costco and American Express
Earn Cash Back with the True Earnings® Card from Costco and American Express.

American Express® Card and Costco Membership Card in one - with no annual fee for Costco members
Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings® Cardmembers from Costco and American Express

Get more info about the True Earnings® Card from Costco and American Express

Apply for the True Earnings® Card from Costco and American Express

Apply to get Pulaski Bank Visa® Gold Card

Ongoing APR: 8.00%
APR for Balance Transfers: 0.00% (for 6 Months)

Pulaski Bank Visa® Gold Card
Zero worries. Zero hassles. Zero % balance transfers.

8.00% APR
Low Rate
No Annual Fee
0% Balance Transfers

Get more info about the Pulaski Bank Visa® Gold Card

Apply for the Pulaski Bank Visa® Gold Card

Apply to get Pulaski Bank MasterCard® or VISA®

Ongoing APR: 6.50%
APR for Balance Transfers: 0.00% (for 6 Months)

Pulaski Bank MasterCard® or VISA®
High Velocity Savings! Best Credit Card Rates in the Country...

Purchase rate is a fixed 6.50% annual percentage rate (APR)
Intro balance transfer rate of 0% (apr) for 6 billing periods
Cash rate is 6.50% APR
No cash advance or balance transfer fees
Minimum payment is 2% of outstanding balance*

*See terms & conditions

Get more info about the Pulaski Bank Credit Card

Apply for the Pulaski Bank Credit Card

Intro APR for Purchases: 0.00% (for 9 Months*)
Ongoing APR: 12.99%-18.99%

Discover® Student Card
Easy online account options that put you in control

0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
5% Cashback Bonus® in categories that change like gas, groceries, restaurants, department stores and more. Limitations apply**
Up to 1% unlimited Cashback Bonus on everything else you buy
$0 Fraud Liability- you will not be responsible for unauthorized charges
No Annual Fee
Text and Email alerts

*Click apply to view rates, fees, rewards, limitations and other important information.

Get more info about the Discover® Student Card

Apply for the Discover® Student Card

low apr cards