Best Low APR Credit Cards from our partners

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on Balance Transfer
& Purchases for up to
Citi® Diamond Preferred® Card
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24%-22.24% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
Citi® Double Cash Card – 18 month BT offer
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
Discover it® - Cashback Match™
  • You could turn $200 into $400 with Cashback Match™. We’ll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back now at, Department Stores, and Sam's Club on up to $1,500 in purchases through Dec 31st when you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
Horizon Gold Credit Card
  • Guaranteed Approval!
  • No Employment Check.
  • Reports to a Major Credit Bureau.

Credit Cards with Low APR

These cards feature either a low fixed rate APR or a low introductory APR.

Annual Percentage Rate or APR is the annual interest rate for your credit card. It is usually calculated by the bank by combining all the credit card fees and expenses. As a matter of fact, your APR depends on your credit history and credit risk. The lower your credit score is the higher interest rate you will have on your credit card. However, due to the fact that the credit card market is highly competitive banks offer low APR credit cards.

Credit cards with low APR are very popular among regular consumers as well as business owners. When choosing a credit card with 0 APR keep in mind that most banks will offer zero Annual Percentage Rate for a limited amount of time. This feature is known as 0 intro APR. The introductory period is usually 6 or 12 months. If you need to understand the benefits of a particular card do not forget that APR is not the only feature that determines advantageousness of a credit card. Check out the lowest APR credit card applications and apply online!

Fixed Low APR Credit Card Offers

Annual Percentage Rate is a very flexible concept. You can start with zero APR during the introductory period and end up with any rate up to 20 percent of the amount of money you have borrowed. That is why many credit card users prefer fixed low APR credit card offers. This option allows you to settle the interest rate on your credit card for the whole time you use it. Of course, you cannot have fixed zero APR but if you have good credit history you can count on the lowest APR.

Remember that even if you have a fixed rate credit card your APR will go up if you fail to make your credit card payments on time. That is why you should consider your chances of being late with your payments when applying for a fixed rate credit card offer. Also keep in mind that those with good or excellent credit history have better chances of getting approved for the fixed rate credit cards. Read the terms and conditions carefully and apply for a credit card with fixed APR.

Credit Cards News about Low Interest Rates

Back-to-School Shopping Trends

August 16, 2016

Back-to-school shopping is trending with consumers and they will be spending more this season since their confidence in their financial picture is on the rise, according to a new study by Synchrony Financial.

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Low Interest Credit Card Research

Purchase Protection from MasterCard: Benefits You Didn't Even Know You Had

August 19, 2012

Many credit card holders may not realize that when they pay for an item with their card, it may be covered by certain insurance benefits. MasterCard offers a host of such purchase protection perks, which we outline for you here. Next time you have a problem with an item you bought with your MasterCard – whether is it damaged, stolen, defective, or ...

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Credit Card FAQ

If you have a question about any product or product feature, or if you need free advice from a credit expert, use our Immediate Credit Card Care Service. Ask a question, or look through previously answered questions. Either way, we are happy to help you learn about the important facts concerning credit cards.

The latest question about low interest credit cards

There are a few things you want to look out for in a credit card you are using as a method of establishing your credit profile.
It's tempting to go ahead and apply for a store credit card when you're about to drop a bundle of cash on their products. However, before you do so, take a close look at the terms and conditions of the card.
see all questions

Credit Cards with 0% APR on Purchases

Credit Cards with 0% APR on Purchases

One of the most popular credit card features among consumers is 0% APR on purchases. People like to save money while spending. Credit Cards with zero APR on purchases give you a wonderful opportunity to spend less while shopping. Compare credit cards with 0 APR on purchases and find the one that will suit your spending habits. Among these cards you can find the ones that also offer rewards and bonuses.

Before applying for such a low interest credit card take a close look at your credit report. Make sure you are eligible to apply for a particular zero APR credit card offer. Usually, banks will offer a credit card with such an enticing feature to consumers with good or excellent credit history. If you have scrutinized the terms and conditions and have chosen the most favorable offer for you, apply for the credit card with 0% APR on purchases

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0% APR on Balance Transfers

0% APR on Balance Transfers

Balance transfer is an option that allows the card-holder to use the balances on one card to pay off the debt incurred on another card. This is a very convenient feature especially if you have a deal with 0% APR on balance transfers. It is a great way to save some money by paying off credit cards with higher interest rates. The trick here is to pay everything off in the limited amount of time (6 or 12 months). Otherwise using balance transfer might increase your debt.

When choosing a credit card for transferring balance pay attention to the fine print. Thus you will avoid many problems that appear when the borrower does not know all the terms and conditions. To see all the information available take a look at our list of the most popular cards with 0% APR on balance transfers.

* Click apply to read the full Terms and Conditions.