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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%
APR for Balance Transfers: 0.00% (for *)

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

5% Cashback Bonus®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many more
5% to 20% Cashback Bonus® at top online retailers*
Up to 1% Cashback Bonus®on all other purchases automatically
Unlimited cash rewards*
Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners*
0% Intro APR*
Fraud specialists dedicated to helping you 24/7
Timely e-mail reminders to help you avoid fees

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

Get more info about the Discover® More® Card

Apply for the Discover® More® 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™

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

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

Book any travel, anytime with no blackout dates or restrictions
Double Miles on up to $3,000 in travel and restaurant purchases each year
1 Mile for every $1 on all your other purchases - personal and business
Unlimited Miles that never expire as long as you use your card
Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash
0% Intro APR*

*View rates, fees, rewards 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: Prime + 11.99% (Currently 15.24%)
APR for Balance Transfers: 1.99% (for 6 Months)

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

Earn cash back on gas and a $25 statement credit with your first made with the Card.
Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
No Annual Fee with your paid Costco Membership
The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
No Limit on the Cash Back earned

Get more info about the True Earnings® Card from Costco

Apply for the True Earnings® Card from Costco

Apply to get Discover® More® Card - Clear

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

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

Unlimited cash rewards*
5% to 20% Cashback Bonus® at top online retailers*
Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners*
Talk to a knowledgeable person in less than a minute
0% Intro APR*

*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

Intro APR for Purchases: 2.90% (for 6 Months)
Ongoing APR: Prime + 11.99% (Currently 15.24%)
APR for Balance Transfers: 2.90% (for 6 Months)

Starwood Preferred Guest® Credit Card
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.
Use Starpoints® for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
No annual fee for the first year and $45 thereafter
Transfer Starpoints® — almost always on a 1:1 basis — to the frequent flyer programs of over 30 major airlines
Earn one Starpoint® for every dollar you spend and double Starpoints® at participating Starwood properties and retail partners
Express Approval. Get a decision in less than 60 seconds.

See Card Terms and Conditions

Get more info about the Starwood Preferred Guest® Card

Apply for the Starwood Preferred Guest® Card

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: 14.99% Fixed

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

0% Interest* on Purchases for 6 Months
5% to 20% Cashback Bonus® at top online retailers*
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

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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.

No Credit/Bad Credit Credit Cards - Western Union® Prepaid MasterCard®