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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.

Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 11.99%-20.99%
APR for Balance Transfers: 0.00% (for *)

Discover® More® Card
Make your money worth More.^SM*

0% intro APR on balance transfers for 15 months, then the Regular APR
0% intro APR on purchases for 15 months, then the Regular APR
5% Cashback Bonus(R) in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
Up to 1% unlimited Cashback Bonus on all other purchases
No Annual Fee

*View rates, fees, rewards and other important information.

Get more info about the Discover® More® Card

Apply for the Discover® More® Card

Apply to get Blue Cash® from American Express

Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: 17.24%-21.24% Variable
APR for Balance Transfers: As low as Prime + 13.99% (Currently 17.24%)

Blue Cash® from American Express
Earn up to 5% cash back on everyday purchases - even gas!

Earn a $25 statement credit with $500 in eligible spending
No annual fee, 0% intro APR on purchases for up to 12 months, flexibility to pay over time
Earn up to 5% cash back on eligible purchases at supermarkets, gas stations, drugstores, and more
No limit on the cash back you can earn

*See Terms, Conditions & Disclosures

Get more info about the Blue Cash® from American Express

Apply for the Blue Cash® from American Express

Apply to get Blue Sky from American Express(SM)

Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: 17.24%-21.24% Variable
APR for Balance Transfers: As low as Prime + 13.99% (Currently 17.24%)

Blue Sky from American Express(SM)
Say good-bye to Travel Reward Restrictions!

No annual fee, 0% intro APR on purchases for up to 12 months, flexibility to pay over time
Enjoy travel rewards with no restrictions or blackout dates - earn points redeemable for flights on any airline, stays at any hotel, and car rentals with any company
Redeem travel rewards with as few as 7,500 points, good for a $100 statement credit on any travel purchase
Feel secure with protection from fraudulent charges and extensions of manufacturer's warranties on eligible purchases

See Terms, Conditions & Disclosures

Get more info about the Blue Sky from American Express(SM)

Apply for the Blue Sky from American Express(SM)

Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
APR for Balance Transfers: 0.00% (for *)

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

12, 000 Bonus Miles - Earn 1,000 Miles each month you make a purchase for your 1st year
1 Mile per $1 on every purchase
Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year
No limit on the Miles you earn and Miles don't expire*
Fly on any airline, book any hotel or car, with no blackout dates
Use Miles for travel, merchandise, gift cards or cash
0% intro APR on purchases and balance transfers for 6 months then the regular APR
No Annual Fee, No Over limit Fee, No Redemption Fee

*View rates, fees, rewards and other important information.

Get more info about the Miles by Discover® Card

Apply for the Miles by Discover® Card

Intro APR for Purchases: 0.00% (for 6 Months*)
Ongoing APR: Prime + 9.99% (Currently 13.24%)
APR for Balance Transfers: 0.00% (for 6 Months*)

Visa® Black Card™
The World's most Prestigious Credit Card.

Limited Membership
24-Hour Concierge Service
Exclusive Rewards Program
Luxury Gifts
Patent Pending Carbon Card
Annual Fee $495

View the terms and Conditions.

Get more info about the Visa® Black Card™

Apply for the Visa® Black 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.

No annual fee for Costco members
0% intro APR on purchases for six months
Earn cash back wherever you buy, including 3% for gasoline for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, and 1% virtually everywhere else
Rated 4.5 out of 5 stars in Overall Satisfaction Rating, based on feedback from current TrueEarnings(R) 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 Discover® More® Card - Clear

Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 11.99%-20.99%
APR for Balance Transfers: 0.00% (for *)

Discover® More® Card - Clear
5% Cashback Bonus®*!

0% intro APR on purchases and balance transfers for 6 months, then the Regular APR
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
Up to 1% unlimited Cashback Bonus on all other purchases
No Annual Fee

*View rates, fees, rewards and other important information.

Get more info about the Discover® More® Card - Clear

Apply for the Discover® More® Card - Clear

Apply to get Starwood Preferred Guest® Credit Card from American Express

Intro APR for Purchases: 2.90% (for 6 Months)
Ongoing APR: 15.24% Variable
APR for Balance Transfers: 2.90% (for 6 Months)

Starwood Preferred Guest® Credit Card from American Express
Earn FREE NIGHTS and FREE FLIGHTS with the Starwood Preferred Guest® Credit Card!

Earn up to 25,000 Starpoints® — enough for up to 6 free nights at a category 1 or 2 hotel.
Redeem Starpoints® for free nights at over 1,000 hotels and resorts in nearly 100 countries and for free flights on over 350 airlines - all with no blackout
No annual fee for the first year and $65 thereafter.
Stay 2 nights and get the 3rd night free at participating Sheraton® Hotels and Resorts worldwide.
Earn 4 to 5 Starpoints for every dollar you spend at Starwood Preferred Guest Hotels and Resorts.
Smarter Travel Editor's Choice Award for Best Travel Awards Card for Domestic Use.

See Card Terms and Conditions

Get more info about the Starwood Preferred Guest® Credit Card from American Express

Apply for the Starwood Preferred Guest® Credit Card from 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 *)
Ongoing APR: As low as 12.99%-19.99%

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

5% Cashback Bonus® in categories like travel, home improvement stores, department stores, gas, restaurants, pet stores and many more
Up to 1% unlimited Cashback Bonus® on all other purchases
No Annual Fee
$0 Fraud Liability Guarantee

*View rates, fees, rewards and other important information.

Get more info about the Discover® Student Card

Apply for the Discover® Student Card

More Credit Card Resources Online

One of the most complete guides to help you finding the best balance transfer credit cards online.

Poor Credit Credit Cards lists various credit cards for people with poor credit or no credit. They can help you building up or re-building your credit history.

Credit Card Balance Transfer.com has an extensive list of low APR, 0% balance transfer credit cards. Apply online for MasterCard, Discover or Visa credit cards.

Unsecured Credit Cards