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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 Up to 15 Months)
Ongoing APR: As low as Prime + 4.99% (Currently 9.99%) APR for Balance Transfers: 4.99% (for Life of Balance) |
Blue from American Express®
Get more info about the Blue from American Express® |
![]() Ongoing APR: 9.9%*
|
First PREMIER Bank MasterCard®
Get more info about the First PREMIER MasterCard® |
![]() Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)* APR for Balance Transfers: 0.00% (for 12 Months) |
Chase Free Cash RewardsSM Visa® Card
Get more info about the Free Cash RewardsSM Visa® |
![]() Ongoing APR: As low as Prime + 4.99% (Currently 9.99%)
APR for Balance Transfers: 0.00% (for Up to 12 Months*) |
Citi CashReturnsSM Card
Get more info about the Citi CashReturnsSM Card |
![]() Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)* APR for Balance Transfers: 0.00% (for 12 Months) |
Chase Flexible RewardsSM Platinum Visa®
Get more info about the Chase Flexible RewardsSM Visa® |
![]() Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: Prime + 2.99% (Currently 7.99%) APR for Balance Transfers: 0.00% (for 12 Months) |
CitiBusiness® Card
Get more info about the CitiBusiness® Card |
![]() Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)* APR for Balance Transfers: 0.00% (for Up to 6 Months*) |
Chase PerfectCard™ MasterCard®
Get more info about the Chase PerfectCard™ |
![]() Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)* APR for Balance Transfers: 0.00% (for Up to 6 Months*) |
AARP Rewards Platinum Visa® Card
Get more info about the AARP Rewards Platinum Visa® |
![]() Ongoing APR: Prime + 5.99% (Currently 10.99%)
APR for Balance Transfers: 0.00% (for six billing cycles) |
MoneyReturn® Visa® Platinum Plus®
Get more info about the Money Return Visa® Platinum |
![]() Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 2.99% (Currently 7.99%) APR for Balance Transfers: Fixed 4.99% (for Life of Balance) |
Platinum Business Credit Card from American Express®
Get more info about the Platinum Business Credit Card |
![]() Ongoing APR: Prime + 4.99% (Currently 9.99%)
APR for Balance Transfers: Prime + 4.99% (Currently 9.99%) |
Citi® Home Rebate Platinum Select® MasterCard®
Get more info about the Citi® Home Rebate Platinum Select® MasterCard® |
![]() Intro APR for Purchases: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 3.49% (Currently 8.49%) APR for Balance Transfers: 0.00% (for Up to 12 Months*) |
Citi® Diamond Preferred® Card
Get more info about the Citi® Diamond Preferred® Card |
![]() Intro APR for Purchases: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 3.49% (Currently 8.49%) APR for Balance Transfers: 0.00% (for Up to 12 Months*) |
Citi® Platinum Select® MasterCard®
Get more info about the Citi® Platinum Select® MasterCard® |
![]() Intro APR for Purchases: 0.00% (for (until October 2008))
Ongoing APR: 17.80% APR for Balance Transfers: 17.80% |
Capital One® Standard Platinum
Get more info about the Capital One® Standard Platinum |
![]() Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as 8.99% APR for Balance Transfers: 0.00% (for 12 Months) |
HSBC Weekend Card
Get more info about the HSBC Weekend Card |
![]() Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 4.99% (Currently 9.99%) APR for Balance Transfers: As low as Fixed 4.99% (for Life of Balance) |
Blue Cash® from American Express®
Get more info about the Blue Cash® Card |
![]() Intro APR for Purchases: 0.00% (for (until October 2008))
Ongoing APR: 14.90% APR for Balance Transfers: 14.90% |
Capital One® No Hassle CashSM Rewards - New to Credit
Get more info about the Capital One® Cash Rewards |
![]() Ongoing APR: As low as Prime - 1.00% (Currently 4.00%)
APR for Balance Transfers: 0.00% (for 6 Billing Periods) |
IberiaBank MasterCard®
Get more info about the IberiaBank MasterCard® |
![]() Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: Prime + 5.99% (Currently 10.99%) APR for Balance Transfers: Prime + 5.99% (Currently 10.99%) |
Citi® ProfessionalSM Card with ThankYouSM Network
Get more info about the Citi® ProfessionalSM Card with ThankYouSM Network |
![]() Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)* APR for Balance Transfers: 0.00% (for 12 Months) |
Chase Disney Visa® Card
Get more info about the Chase Disney Visa® Card |
![]() Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: Prime + 7.99% (Currently 12.99%) APR for Balance Transfers: 0.00% (for 6 Months) |
Citi® Dividend Platinum Select® Card for College Students
Get more info about the Citi® Dividend Platinum Select® Card for College Students |
![]() Intro APR for Purchases: 0.00% (for Up to 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%) APR for Balance Transfers: Fixed 5.99% (for Life of Balance) |
Clear from American Express®
Get more info about the Clear from American Express® |
![]() Ongoing APR: As low as Prime + 0.99% (Currently 5.99%)
APR for Balance Transfers: 0.00% (for 6 Billing Periods) |
IberiaBank Visa® Gold Cash Back Rewards Card
Get more info about the IberiaBank Visa Gold CashBack |
![]() Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 2.99% (Currently 7.99%) APR for Balance Transfers: Fixed 7.99% (for Life of Balance) |
Blue Cash® for Business Credit Card
Get more info about the Blue Cash® for Business Card |
![]() Ongoing APR: Prime + 0.24% (Currently 5.24%)
APR for Balance Transfers: 0.00% (for 15 Months) |
Advanta Custom Platinum BusinessCard with Rewards
Get more info about the Advanta Custom Rewards Card |
![]() Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99% APR for Balance Transfers: 0.00% (for *) |
Discover® MoreSM Card
Get more info about the Discover® MoreSM Card |
![]() Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 4.99% (Currently 9.99%) APR for Balance Transfers: As low as Fixed 4.99% (for Life of Balance) |
Blue Sky® from American Express®
Get more info about the Blue Sky Credit Card |
![]() Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99% APR for Balance Transfers: 0.00% (for *) |
Discover® MoreSM Card - Sealife Collection
Get more info about the Discover® MoreSM Card - Sealife |
![]() Ongoing APR: Prime + 2.24% (Currently 7.24%)
APR for Balance Transfers: 2.99% (for Life of Balance*) |
Advanta Life-of-Balance Platinum Card
Get more info about the Advanta Life-of-Balance Card |
![]() Ongoing APR: As low as Prime - 1.00% (Currently 4.00%)
APR for Balance Transfers: 0.00% (for 6 Billing Periods) |
IberiaBank Visa® Classic
Get more info about the IberiaBank Visa® Classic |
![]() Ongoing APR: As low as Prime + 5.49% (Currently 10.49%)
APR for Balance Transfers: 0.00% (for Up to 12 Months*) |
Citi® Diamond Preferred® Rewards Card
Get more info about the Citi® Diamond Preferred® Rewards Card |
![]() Ongoing APR: As low as Prime + 3.99% (Currently 8.99%)*
APR for Balance Transfers: 0.00% (for 12 Months) |
AT&T Universal Savings Platinum Card
Get more info about the AT&T Universal Savings Platinum Card |
![]() Ongoing APR: As low as Prime + 0.99% (Currently 5.99%)
APR for Balance Transfers: 0.00% (for 6 Billing Periods) |
IberiaBank Visa® Platinum Rewards Card
Get more info about the IberiaBank Visa® Platinum Card |
![]() Intro APR for Purchases: 0.00% (for *)
Ongoing APR: 13.99% Fixed APR for Balance Transfers: 0.00% (for *) |
Discover® Business Card
Get more info about the Discover® Business Card |
![]() Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: Prime + 4.99% (Currently 9.99%) APR for Balance Transfers: Prime + 4.99% (Currently 9.99%) |
CitiBusiness® Card with ThankYou NetworkSM
Get more info about the CitiBusiness® with ThankYou |
More Credit Card Resources Online
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