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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
Get more info about the Discover® More® Card |
![]() 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
Get more info about the 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 Sky from American Express(SM)
Get more info about 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
Get more info about 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™
Get more info about the Visa® Black Card™ |
![]() 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
Get more info about the True Earnings® Card from Costco and American Express |
![]() 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
Get more info about the Discover® More® Card - Clear |
![]() 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
Get more info about the Starwood Preferred Guest® Credit Card from American Express |
![]() Ongoing APR: 8.00%
APR for Balance Transfers: 0.00% (for 6 Months) |
Pulaski Bank Visa® Gold Card
Get more info about the Pulaski Bank Visa® Gold Card |
![]() Ongoing APR: 6.50%
APR for Balance Transfers: 0.00% (for 6 Months) |
Pulaski Bank MasterCard® or VISA®
Get more info about the Pulaski Bank Credit Card |
![]() Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 12.99%-19.99% |
Discover® Student Card
Get more info about 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.
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