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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 Discover it®

Intro APR for Purchases: 0.00% (for 14 Months)
Ongoing APR: 10.99%-22.99% Variable
APR for Balance Transfers: 0.00% (for 14 Months)

Discover it®
5% Cashback Bonus®*!

  • 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • 1% cash back on all other purchases.*

    *Click "Apply" to see rates, rewards and other information.

Get more info about the Discover it®

Apply for the Discover it®


Apply to get Discover it® for Students

Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: 12.99%-21.99% Variable
APR for Balance Transfers: 10.99% (for 6 Months)

Discover it® for Students
Discover it® for Students Applications.

  • 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • 1% cash back on all other purchases.*

    *Click "Apply" to see rates, rewards and other information.

Get more info about the Discover it® for Students

Apply for the Discover it® for Students


Apply to get Smart Cash MasterCard® credit card

Intro APR for Purchases: 1.99% (for 10 Months)
Ongoing APR: 19.99%

Smart Cash MasterCard® credit card
Rewarding yourself is easy

  • Up to 5% cash back on all of your eligible gas and grocery purchases for the first 6 months*
  • Up to 2% cash back on eligible gas and grocery purchases thereafter*
  • And, up to 1% cash back on all of your other eligible purchases*
  • 1.99% annual interest rate* (AIR) on balance transfers* and deposits* for the first 10 full months
  • Enjoy free online access to your credit card account
  • And, with no annual fee and free additional cards you'll start to see the benefits right away.

    *Please refer to online application legal disclosures

Get more info about the Smart Cash MasterCard®

Apply for the Smart Cash MasterCard®


Apply to get Best Western MasterCard® Credit Card

Intro APR for Purchases: 1.99% (for 10 Months)
Ongoing APR: 19.99%

Best Western MasterCard® Credit Card
Canadian consumers can apply for the Best Western MasterCard® credit card.

  • Receive 20,000 bonus Best Western Rewards points after your first qualifying purchase*
  • Earn 1.5 Best Western Rewards points for every $1 in net retail purchases*
  • Receive 50 Best Western Rewards points for every cash advance transaction over $50*
  • Receive a one tier elite status upgrade within the Best Western Rewards program when you spend $6,000 on your card within one year*
  • Earn even more Best Western Rewards points by staying at Best Western hotels or spending with our retail partners

    *Please refer to online application legal disclosures

Get more info about the Best Western MasterCard®

Apply for the Best Western MasterCard®


Apply to get CAA-Quebec Dollars Platinum Plus MasterCard®

Intro APR for Purchases: 1.99% (for 10 Months)
Ongoing APR: 19.99%

CAA-Quebec Dollars Platinum Plus MasterCard®
Earn up to 1% in CAA-Quebec Dollars*

  • No annual fee
  • On top of 2 per litre of gas earned in CAA-Quebec Dollars when you show your CAA-Quebec membership card at the Couche-Tard counter*
  • Receive up to 2% in CAA-Quebec Dollars on all your eligible purchases* — including gas — at participating Couche-Tard outlets
  • Earn up to 1% in CAA-Quebec Dollars* on your other eligible purchases
  • 1.99% annual interest rate* (AIR) on balance transfers* and deposits* for the first 10 full months
  • Unparalleled 24-hour customer service
  • Online access to your credit card account
  • International acceptance at millions of locations
  • Enhanced security and protection with Chip & Pin technology and PayPass

    *Please refer to online application legal disclosures

Get more info about the CAA-Quebec Dollars MasterCard

Apply for the CAA-Quebec Dollars MasterCard


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