Find the lowest credit card rates then apply online using our credit applications.

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.

Apply to get Blue from American Express®

Intro APR for Purchases: 0.00% (for Up to 12 Months)
Ongoing APR: As low as Prime + 6.99% (Currently 10.24%)
APR for Balance Transfers: 2.99% (for 12 Months)

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®

Apply to get First PREMIER® Bank MasterCard® Card

Ongoing APR: Low APR on purchases*

First PREMIER® Bank MasterCard® Card
Apply for a Credit Card with Less than Perfect Credit!

Monthly reporting to 4 major credit bureaus.
Low APR on purchases.
Quality Customer Service.
Over 3 million credit cardholders
Apply today for a MasterCard® card!

*See web site for details.

Get more info about the First PREMIER® MasterCard®

Apply for the First PREMIER® MasterCard®

Apply to get Capital One® No Hassle Miles Rewards - Good Credit

Intro APR for Purchases: 0.00% (for — until October 2009)
Ongoing APR: Variable 13.90%
APR for Balance Transfers: Variable 13.90%

Capital One® No Hassle Miles^SM 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

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
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

Apply to get Blue Cash® from American Express®

Intro APR for Purchases: 0.00% (for Up to 12 Months)
Ongoing APR: As low as Prime + 7.99% (Currently 11.24%)
APR for Balance Transfers: 2.99% (for 12 Months)

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

Apply to get Capital One® No Hassle Cash Rewards - Average Credit

Intro APR for Purchases: 0.00% (for — until June 2009)
Ongoing APR: Variable 16.9%
APR for Balance Transfers: Variable 16.90%

Capital One® No Hassle Cash^SM 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 June 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

Apply to get Discover® More® Card - Sealife Collection

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

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® More^SM Card - Sealife

Apply for the Discover® More^SM Card - Sealife

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

Apply to get Blue Sky® from American Express®

Intro APR for Purchases: 0.00% (for Up to 12 Months)
Ongoing APR: As low as Prime + 7.99% (Currently 11.24%)
APR for Balance Transfers: 2.99% (for 12 Months)

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

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

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

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® More^SM Card - Wildlife

Apply for the Discover® More^SM Card - Wildlife

Apply to get Discover® More® Card - American Flag

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

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® More^SM - American Flag

Apply for the Discover® More^SM - American Flag

Apply to get HSBC Platinum MasterCard® with Cash Back Rewards

Ongoing APR: As low as 8.99%
APR for Balance Transfers: 0.00% (for for the first 12 Months*)

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®

Apply to get IberiaBank Visa® Gold Cash Back Rewards 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

Apply to get Advanta Customizable BusinessCard with Unlimited Rewards

Ongoing APR: Prime + 2.74%
APR for Balance Transfers: 0.00% (for 15 Months)

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

Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: 13.99% Fixed
APR for Balance Transfers: 3.99% (for 6 Months)

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

Apply to get Capital One® Business Platinum with Preferred No Hassle Miles

Intro APR for Purchases: 0.00% (for — until January 2010)
Ongoing APR: As low as 14.99%
APR for Balance Transfers: As low as 14.99 (for — 0% until January 2010)

Capital One® Business Platinum with Preferred No Hassle Miles^SM
Up to 3 miles for every dollar spent*

Earn triple rewards for purchases in your category of choice and one mile per dollar
on all other purchases
Choose from the following categories when you apply for this card: Travel and Lodging,
Gas and Service Stations, Building Supplies and Hardware, Computers and Electronics,
Office Supplies and Furniture, Advertising and Shipping.
0% APR on purchases until January 2010
0% APR on transferred balances until January 2010
No Annual Fee

*See terms and conditions for more details.

Get more info about the Business Platinum with Miles^SM

Apply for the Business Platinum with Miles^SM

Apply to get First Equity Platinum Small Business Visa®

Ongoing APR: As low as 0%*

First Equity Platinum Small Business Visa®
First Equity specializes in credit for businesses!

APR as low as 0.0%*
Working Capital Credit Line of up to $100,000
Customized with your Business Name at the top
Free Additional Cards for Employees
Earn up to 5% cash back on qualified purchases*

*First Equity Terms & Conditions.

Get more info about the Platinum Small Business Visa®

Apply for the Platinum Small Business Visa®

Ongoing APR: Low APR on purchases*

Centennial® MasterCard®
Reports monthly to 4 Major Credit Bureaus!

Low APR on purchases
Over 3 million credit card holders
Quality Customer Service

*See web site for details.

Get more info about the Centennial® MasterCard®

Apply for the Centennial® MasterCard®

Apply to get Discover® More® Card - Clear

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

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

Apply to get IberiaBank Visa® Platinum Rewards Card

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

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

Apply to get Continental Finance Gold MasterCard®

Ongoing APR: 9.75%

Continental Finance Gold MasterCard®
Get a second chance with rates as low as 9.75% APR*!

Rates as low as 9.75% APR*
Unsecured MasterCard Accepted at Millions of Locations Worldwide
Monthly reporting to the Major Credit Bureaus
Free Online Access
Excellent Online Tools for Managing Your Finances
Semi-Annual Credit Limit Increases*
Prestige of carrying a Gold card

*See website for other fees, rates, and terms and conditions.

Get more info about the Continental Finance Gold MC

Apply for the Continental Finance Gold MC

Ongoing APR: Low APR on purchases*

First PREMIER® Bank Platinum Credit Card
Here's Your Chance To Apply for A First PREMIER® Bank Platinum Credit Card.

Monthly reporting to 4 major credit bureaus.
Low APR on purchases.
Quality Customer Service.
All credit types accepted!

*See web site for details.

Get more info about the Platinum Credit Card

Apply for the Platinum Credit Card

Apply to get HSBC Platinum MasterCard® with Cash or Fly Rewards

Ongoing APR: As low as 8.99%
APR for Balance Transfers: 0.00% (for for the first 12 Months*)

HSBC Platinum MasterCard® with Cash or Fly Rewards
Two compelling rewards: cash back or travel.

Earn one point for every dollar of net retail purchases, everywhere you shop
Redeem points for roundtrip airfare with no blackout dates with as little as 7,500 points
Or redeem points for 1% cash back
Enjoy 0% Introductory APR on card purchases and balance transfers for 12 months, for qualifying applicants*
No annual fee, for qualifying applicants

*See terms & conditions.

Get more info about the HSBC Cash or Fly MasterCard®

Apply for the HSBC Cash or Fly MasterCard®

Apply to get Centennial® Gold MasterCard®

Ongoing APR: Low APR on purchases*

Centennial® Gold MasterCard®
Less than Perfect Credit? We may be able to help!

Reports monthly to 4 Major Credit Bureaus
Low APR on purchases
All applications accepted
All credit types welcome to apply
$50 Credit Limit Increase by Making your first 2 Minimum Payments on Time!

*See web site for details.

Get more info about the Centennial® Gold MasterCard®

Apply for the Centennial® Gold MasterCard®

Apply to get Discover® Student Card - Monogram Collection

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

Discover® Student Card - Monogram Collection
Displays your Initials!

Choose your personalized card design
0% Interest* on Purchases for 6 Months
No Annual Fee
Easy Online Account Management Options

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

Get more info about the Discover® Student Card - Monogram Collection

Apply for the Discover® Student Card - Monogram Collection

Apply to get Discover® Student Open Road Card

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

Discover® Student Open Road^SM 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 Road^SM Card

Apply for the Discover® Student Open Road^SM Card

Apply to get Starwood Preferred Guest® Credit 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 10,000 Starpoints® with your first purchase — enough for up to 3 free nights at a category 1 or 2 hotel
Earn 15,000 bonus Starpoints after you spend $15,000 in 6 months
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
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
No annual fee for the first year and $45 thereafter
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 Capital One® No Hassle Cash Rewards for Students

Intro APR for Purchases: 0.00% (for — until June 2009)
Ongoing APR: Variable 16.9%
APR for Balance Transfers: Variable 16.90%

Capital One® No Hassle Cash^SM Rewards for Students
Establish Credit™Save For Your Next Big Purchase

Start building your credit today and earn cash, simple and fast
25% annual bonus on cash earned during the year and 1% cash back on all purchases
No limit on cash back and rewards won't expire for the life of your account
0% intro APR on purchases until June 2009
$0 Fraud Liability for unauthorized use if your card is lost or stolen

*See website for Disclosures.

Get more info about the Capital One® Student Card

Apply for the Capital One® Student 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 First PREMIER® Bank Gold MasterCard® Card

Ongoing APR: Low APR on purchases*

First PREMIER® Bank Gold MasterCard® Card
Here's Your Chance To Apply for A First PREMIER® Bank Gold Credit Card.

Quality Customer Service
Low APR on purchases
Over 3 million credit cardholders!
Enjoy the benefit of 24 hour account access by phone!

*See web site for details.

Get more info about the Gold MasterCard® Card

Apply for the Gold MasterCard® Card

Apply to get Discover® Student Card - Clear

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

Discover® Student Card - Clear
0% Interest* on Purchases for 6 Months

5% to 20% Cashback Bonus® at top online retailers*
No Annual Fee
Easy online account options that put you in control
$0 Fraud Liability Guarantee
Cool, Clear Design

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

Get more info about the Discover® Student Card - Clear

Apply for the Discover® Student Card - Clear

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

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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Poor Credit Credit Cards

U.S. Bancorp - WorldPerks® Visa® Signature Card