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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 10.99% 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 *) 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! 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

Ongoing APR: As low as Prime + 4.00% (Currently 7.25%) APR for Balance Transfers: 0.00% (for 6 Billing Periods)

IberiaBank Visa® Gold Cash Back Rewards Card Low variable rates, plus 1% cash back! 1% cash back on everything you buy from day one. No limit on cash back; no expiration for the life of your account No minimum to redeem for cash No annual membership fee Download the Terms & Conditions here. Get more info about the IberiaBank Visa Gold CashBack Apply for the IberiaBank Visa Gold CashBack

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

Discover® Open Road® Card 5% Cashback Bonus® on gas and auto maintenance purchases 0% Intro APR* Save at the pump and everywhere else.* 5% Cashback Bonus® on your first $100 in gas and auto maintenance purchases each month - up to $1,200 in purchases each year 5% to 20% Cashback Bonus® at top online retailers* Up to 1% Cashback Bonus® on all other purchases Unlimited cash rewards* Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners Get more info about the Discover® Open Road® Card Apply for the Discover® Open Road® Card

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

Ongoing APR: As low as Prime + 4.00% (Currently 7.25%) APR for Balance Transfers: 0.00% (for 6 Billing Periods)

IberiaBank Visa® Platinum Rewards Card The Platinum Card with the SCORECARD® Bonus Point Program. No annual fee 0% Introductory APR on balance transfers for your first 6 billing cycles Earn 1 bonus point for every $1 in net retail purchases and redeem your points for hotel rooms, gourmet dinners, travel, and more Download the Terms & Conditions here. Get more info about the IberiaBank Visa® Platinum Card Apply for the IberiaBank Visa® Platinum 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™

Ongoing APR: As low as Prime + 3.00% (Currently 6.25%) APR for Balance Transfers: 0.00% (for 6 Billing Periods)

IberiaBank Visa® Classic Variable rates as low as 8.00%! No annual membership fee 0% Introductory APR on balance transfers for your first 6 billing cycles* 25 Day grace period Online access to credit card information Download the Terms & Conditions here. Get more info about the IberiaBank Visa® Classic Apply for the IberiaBank Visa® Classic

Intro APR for Purchases: 0.00% (for *) Ongoing APR: 14.99% Fixed

Discover® Student Open RoadSM Card Get the card that's right for you, now and down the road. 0% Interest* on Purchases for 6 Months Build Your Credit History Full 5% Cashback Bonus® on gas and auto maintenance purchases* Up to 1% Cashback Bonus® on all other purchases* $0 Fraud Liability Guarantee No Annual Fee *View rates, fees, rewards and other important information. Get more info about the Discover® Student Open RoadSM Card Apply for the Discover® Student Open RoadSM Card

Intro APR for Purchases: 2.90% (for 6 Months) Ongoing APR: Prime + 9.99% (Currently 13.24%) 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 over 860 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

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

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

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