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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 Up to 12 Months)
Ongoing APR: As low as Prime + 6.99% (Currently 10.99%)
APR for Balance Transfers: 2.99% (for 12 Months)
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Blue from American Express®
0% APR for up to 12 months - Get Blue from American Express®
- 0% APR on purchases for up to 12 months
- No Annual Fee
- Low Balance Transfer APR — 2.99% Fixed APR for 12 months
- Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences.
- Membership Rewards Express® program
- Express Approval. Get a decision in less than 60 seconds.
Get more info about the Blue from American Express®
Apply for the Blue from American Express®
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Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 9.99%)*
APR for Balance Transfers: 0.00% (for 12 Months)
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Chase Free Cash RewardsSM Visa® Card
A decision that's easy to make: FREE CASH!
- Earn 1 point for every eligible $1 in purchases*
- 1,000 Bonus Points* with your first purchase
- Intro 0% Fixed APR for up to 12 months*
- No Annual Fee
- Get your rewards with as few as 2500 points
- Choose from either a $25 check or a $25 gift card/certificate
*See Pricing & Terms.
Get more info about the Free Cash RewardsSM Visa®
Apply for the Free Cash RewardsSM Visa®
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Ongoing APR: As low as Prime + 4.99% (Currently 8.99%)
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
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Citi CashReturnsSM Card
Cash back, without limits.
- Earn up to 6% Cash Back on purchases*
- Earn a 20% Bonus on the Cash Back Earned on all purchases for the first 12 months*
- Checks will be sent automatically every time you earn $50 — no calling necessary
- 0% APR* on balance transfers for up to 12 months
- No Annual Fee
*See Terms and Conditions.
Get more info about the Citi CashReturnsSM Card
Apply for the Citi CashReturnsSM Card
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Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 9.99%)*
APR for Balance Transfers: 0.00% (for 12 Months)
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Chase Flexible RewardsSM Platinum Visa®
Your choice. Your chase.
- Earn 1 point for every dollar spent*
- Earn airline tickets, hotel stays or car rentals.
- 0% introductory APR* for up to 12 months
- The time period for the intro APR and balance transfers to which it will apply will be based on review of your application and credit history
- No Annual Fee
*See Pricing & Terms.
Get more info about the Chase Flexible RewardsSM Visa®
Apply for the Chase Flexible RewardsSM Visa®
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Intro APR for Purchases: 0.00% (for — until October 2009)
Ongoing APR: Variable 13.90%
APR for Balance Transfers: Variable 13.90%
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Capital One® No Hassle MilesSM Rewards - Good Credit
Earn miles 25% faster than with regular miles cards!
- Earn 25% more than regular mileage cards with 1.25 miles for each dollar spent on purchases
- There's no limit to the miles you can earn and your miles won't expire
- There are no blackout dates and no seat restrictions
- Save with a 0% intro APR on purchases until October 2009
- No annual fee
*See website for Disclosures.
Get more info about the Capital One® Miles Rewards
Apply for the Capital One® Miles Rewards
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Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 9.99%)*
APR for Balance Transfers: 0.00% (for Up to 6 Months*)
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AARP Rewards Platinum Visa® Card
A full 1% back for every dollar you spend.
- Earn one reward point for every dollar you spend.*
- 0% APR for up to 6 months and pay no annual fee.*
- No telemarketing calls.
- Zero unauthorized liability.
- Exclusive discounts for AARP Platinum Visa cardmembers.
- Automatic AARP Rewards Platinum Visa card benefits.
*See Pricing & Terms.
Get more info about the AARP Rewards Platinum Visa®
Apply for the AARP Rewards Platinum Visa®
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Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 9.99%)*
APR for Balance Transfers: 0.00% (for Up to 6 Months*)
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Chase PerfectCard™ MasterCard®
SAVINGS YOU CAN TAKE ON THE ROAD - SAVE 6%!
- 6% rebates on ALL gas purchases at ANY gas station for the first 90 days*
- 3% rebates on ALL gas purchases at ANY gas station after the first 90 days*
- 1% rebates on ALL other purchases made anywhere else*
- 0% Intro APR* for up to 6 months*
- No Annual Fee
*See Pricing & Terms.
Get more info about the Chase PerfectCard™
Apply for the Chase PerfectCard™
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Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 2.99% (Currently 6.99%)
APR for Balance Transfers: Fixed 4.99% (for Life of Balance)
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Platinum Business Credit Card from American Express®
Platinum Business Credit Card from OPEN® the Small Business Team
- Option to enroll in the Membership Rewards Express® Program fee-free
- There's no limit to the number of points you can earn
- Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more
- 0% APR for the first 12 months
- No annual fee and fee-free Additional Cards
- Balance Transfer APR: 4.99%*
- Get a decision in less than 60 seconds
- Easy, 1-page online application
*View Terms & Conditions.
Get more info about the Platinum Business Credit Card
Apply for the Platinum Business Credit Card
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Intro APR for Purchases: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 3.74% (Currently 7.74%)*
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
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Citi® Diamond Preferred® Card
Apply now — it's in your best interest!
- 0% APR* on balance transfers and purchases for up to 12 months
- No annual fee
- Citi® Identity Theft Solutions
- $0 Liability on unauthorized purchases
- Secure, free online account management
- Balance transfer fee applies with this offer
*See Terms and Conditions.
Get more info about the Citi® Diamond Preferred® Card
Apply for the Citi® Diamond Preferred® Card
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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)
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HSBC Weekend Card
Cash back on all purchases, all the time—double cash back on weekends.
- Earn a full 2% cash back on every single credit card purchase made on Saturdays and Sundays
- 1% cash back on every single credit card purchase made Monday through Friday
- Simple and straightforward: no earnings caps, spending requirements, tiers or point expiration
- Platinum benefits include unlimited purchase protection, extended warranties and rental car insurance
- 0% Introductory APR on balance transfers for 12 months*
- No annual fee
*See terms & conditions.
Get more info about the HSBC Weekend Card
Apply for the HSBC Weekend Card
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Intro APR for Purchases: 0.00% (for Up to 12 Months)
Ongoing APR: As low as Prime + 7.99% (Currently 11.99%)
APR for Balance Transfers: 2.99% (for 12 Months)
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Blue Cash® from American Express®
Earn up to 5% cash back on everyday purchases - even gas!
- Up to 5% Cash Back with Unlimited Cash Rewards*
- Earn unlimited cash back
- 0% Intro APR for 12 months on purchases
- Low Balance Transfer rate - 2.99% fixed APR for 12 months
- No Annual Fee
- Express Approval. Get a decision in less than 60 seconds.
*See Terms, Conditions & Disclosures
Get more info about the Blue Cash® Card
Apply for the Blue Cash® Card
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Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: Prime + 8.99% (Currently 12.99%)
APR for Balance Transfers: 0.00% (for 6 Months)
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Citi® Dividend Platinum Select® Card for College Students
You've got the power to build your future.
- No Cosigner or Minimum Income Required
- Free Online Account Management
- Citi® Identity Theft Solutions
- Citi® Photocard option*
- The Lost Wallet® Service*
- Credit Education Tools
- 0% APR* for 6 months on purchases, cash advances and balance transfers as long as you do not default under any Card Agreement*
- Earn 5% cash back on purchases at supermarkets, gas stations, convenience stores, and utilities including cable for 6 months and 2% thereafter.
- Earn 1% cash back on all other purchases
*See Terms and Conditions.
Get more info about the Citi® Dividend Platinum Select® Card for College Students
Apply for the Citi® Dividend Platinum Select® Card for College Students
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Intro APR for Purchases: 0.00% (for — until May 2009)
Ongoing APR: Variable 16.9%
APR for Balance Transfers: Variable 16.90%
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Capital One® No Hassle CashSM Rewards - Average Credit
A Cash Back card for people New to Credit.
- Get a 25% annual bonus on the cash you earn during the year*
- 1% cash back on every purchase
- Buy what you've been dreaming of and pay no interest until May 2009
- There's no limit to the cash back you can earn, and your cash rewards won't expire
- Redeem cash whenever you want
*See website for Disclosures.
Get more info about the Capital One® Cash Rewards
Apply for the Capital One® Cash Rewards
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Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 2.99% (Currently 6.99%)
APR for Balance Transfers: Fixed 7.99% (for Life of Balance)
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Blue Cash® for Business Credit Card
Blue Cash® for Business Credit Card from OPENSM the small business team
- Up to 5% Cash Back on virtually all purchases
- No limit to the cash back you can earn
- No anual fee
- 0% Intro APR for first 6 months
- Option to pay over time or pay in full
- Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more.
- Earn cash back on purchases made by Additional Cardholders
Get more info about the Blue Cash® for Business Card
Apply for the Blue Cash® for Business Card
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Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
APR for Balance Transfers: 0.00% (for *)
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Discover® More® Card - Sealife Collection
Choose Your Sealife Card Design!
- 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*
- Easy online account options that put you in control
- Timely e-mail reminders to help you avoid fees
*View rates, fees, rewards and other important information.
Get more info about the Discover® MoreSM Card - Sealife
Apply for the Discover® MoreSM Card - Sealife
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Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
APR for Balance Transfers: 0.00% (for *)
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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
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Ongoing APR: As low as Prime + 5.49% (Currently 9.49%)
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
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Citi® Diamond Preferred® Rewards Card
For every passion, there's a reward.
- 0% APR* on balance transfers for up to 12 months
- 5 reward points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months; 1 point for every $1 on all other purchases*
- No annual fee and FREE rewards program
- Citi® Identity Theft Solutions
- Price Protection Program
- $0 Liability on unauthorized purchases
*See Terms and Conditions.
Get more info about the Citi® Diamond Preferred® Rewards Card
Apply for the Citi® Diamond Preferred® Rewards Card
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Intro APR for Purchases: 0.00% (for Up to 12 Months)
Ongoing APR: As low as Prime + 7.99% (Currently 11.99%)
APR for Balance Transfers: 2.99% (for 12 Months)
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Blue Sky® from American Express®
Say good-bye to Travel Reward Restrictions!
- 0% Intro APR for up to 12 months on purchases
- Low Balance Transfer APR - 2.99% for 12 months
- Earn 1 point for every dollar you spend
- Points good on any airline, hotel, car rental and more.
- No blackout dates or travel restrictions
- Express Approval. Get a decision in less than 60 seconds.
See Terms, Conditions & Disclosures
Get more info about the Blue Sky Credit Card
Apply for the Blue Sky Credit Card
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Intro APR for Purchases: 0.00% (for Up to 12 Months)
Ongoing APR: As low as Prime + 8.99% (Currently 12.99%)
APR for Balance Transfers: Fixed 3.99% (for 12 Months)
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Clear from American Express®
Clear has absolutely no fees.
- 0.00% Intro APR for up to 12 months
- 3.99% fixed APR on balance transfers
- Automatic Rewards
- Flexibility to pay over time
- User-friendly credit report and score
- American Express World-Class customer service
Get more info about the Clear from American Express®
Apply for the Clear from American Express®
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Intro APR for Purchases: 0.00% (for Up to 12 Months)
Ongoing APR: As low as Prime + 0.00% (Currently 4.00%)
APR for Balance Transfers: Fixed 7.99% (for Life of Balance)
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American Express SimplyCashSM Business Card
No limit to the cash back you can earn: It's automatic every month...
- Earn 5% cash back on office supplies and wireless services.
- Earn 3% cash back on automobile gas purchases and 1% of virtually all other purchases.
- Cash back is automatically credited to the statement each month
- 0% intro APR for up to 12 months
- Additional Cards have no annual fee
- Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more
- Automatic cash back every month
Get more info about the SimplyCashSM Business Card
Apply for the SimplyCashSM Business Card
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Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
APR for Balance Transfers: 0.00% (for *)
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Discover® More® Card - American Flag
Patriotic, American Flag Design!
- 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*
*View rates, fees, rewards and other important information.
Get more info about the Discover® MoreSM - American Flag
Apply for the Discover® MoreSM - American Flag
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Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
APR for Balance Transfers: 0.00% (for *)
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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
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Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: 13.99% Fixed
APR for Balance Transfers: 3.99% (for 6 Months)
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Discover® Business Card
Apply for Discover® Business Card.
- Earn $100 Cashback Bonus when you apply now**
- 0% Intro APR for 12 months on purchases and 3.9% intro APR for 6 months on balance transfers
- 5% Cashback Bonus® on office supplies, 2% on gas, up to 1% on all other purchases
- No Annual Fee
- Fee-free Purchasechecks that earn Cashback Bonus®. to pay merchants who don't accept credit cards
- Free employee cards with customizable limits and monthly reporting on their spending
*View rates, fees, rewards and other important information.
Get more info about the Discover® Business Card
Apply for the Discover® Business Card
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Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
APR for Balance Transfers: 0.00% (for *)
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Discover® More® Card - Wildlife Collection
Choose from different Wildlife Card Designs!
- 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*
- 0% Intro APR*
- Talk to a knowledgeable person in less than a minute
- $0 fraud liability guarantee
- Advanced fraud early warning alerts
- Secure online account numbers
- Fraud specialists dedicated to helping you 24/7
*View rates, fees, rewards and other important information.
Get more info about the Discover® MoreSM Card - Wildlife
Apply for the Discover® MoreSM Card - Wildlife
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Ongoing APR: As low as 8.99%
APR for Balance Transfers: 0.00% (for for the first 12 Months*)
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HSBC Platinum MasterCard® with Cash Back Rewards
If you prefer cash back to reading the fine print, this card is for you.
- Earn an unlimited 1% cash back on every single purchase
- Simple and straightforward: no earnings caps, spending requirements, tiers or point expiration
- Platinum benefits include unlimited purchase protection, extended warranties and rental car insurance
- 0% Intro APR on balance transfers for the first 12 months*
- No annual fee
*See terms & conditions.
Get more info about the HSBC Cash Back MasterCard®
Apply for the HSBC Cash Back MasterCard®
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Ongoing APR: Prime + 2.74%
APR for Balance Transfers: 0.00% (for 15 Months)
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Advanta Customizable BusinessCard with Unlimited Rewards
A business credit card, now with your favorite image on it.
- 0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR thereafter*
- 7.99% Variable APR (based on Prime) on Purchases
- NEW! Unlimited Rewards*
- Earn cash back, travel, merchandise and more
- No Annual Fee and No Limit on the points you can earn
- Get employee cards with no fee and set spending limits per user
- $0 Fraud Liability
- Personalized card -- your company name on the card, plus logo or other image!
* See website for Terms and Conditions.
Get more info about the Advanta Customizable BusinessCard with Unlimited Rewards
Apply for the Advanta Customizable BusinessCard with Unlimited Rewards
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Ongoing APR: Low APR on purchases*
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Centennial® MasterCard®/Visa Card®
Reports monthly to 4 Major Credit Bureaus!
- Low APR on purchases
- Know your results within 60 seconds
- A Credit Card for Those with Less than Perfect Credit
- Quality Customer Service
- Accepted where you see the MasterCard®/Visa® logo
- Over 3 million credit card holders
- Choice of MasterCard® or Visa®
- Enjoy the benefit of 24-hour phone account access
- Get access to online credit education
- Monthly credit bureau reporting
*See Rates, Fees & Terms for current information.
Get more info about the Centennial® MasterCard®/Visa®
Apply for the Centennial® MasterCard®/Visa®
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Intro APR for Purchases: 0.00% (for — until December 2009)
Ongoing APR: As low as 15.67%
APR for Balance Transfers: As low as 15.67 (for — 0% until December 2009)
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Visa® Business Platinum with No Hassle CashSM
Enjoy the convenience of cash rewards!
- 0% APR on purchases until December 2009
- 0% APR on transferred balances until December 2009
- Earn 1% cash back on everything you buy from day one
- Get a 25% bonus each year on the cash you earned the previous year
- No Hassle Cash is easily and quickly redeemable online or by phone
- No Annual Fee
*See website for terms and conditions.
Get more info about the Visa® Business Platinum CashSM
Apply for the Visa® Business Platinum CashSM
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Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
APR for Balance Transfers: 0.00% (for *)
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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
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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.
Poor Credit Credit Cards
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