Best Low APR Credit Cards from our partners

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LOW INTEREST
CREDIT CARDS

0
%
APR
on Balance Transfer
& Purchases for up to
18
months
Citi ThankYou® Preferred Card
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  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 15.24% - 25.24% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
Citi® Double Cash Card – 18 month BT offer
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  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.24% - 25.24% based on your creditworthiness*
Discover it® Cash Back
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  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
Horizon Gold
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  • Instant $500 Credit Line. No Credit Check.
  • No Employment Check.
  • Must have Active Debit Card or Credit Card to qualify.

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

The Sky's The Limit for Parents During the Holidays

November 14, 2016

Do you find yourself spending more money than you planned during the holidays to make your kids dreams come true?

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Low Interest Credit Card Research

Price Protection: Credit Cards That Will Refund a Price Drop

February 08, 2018

Those who often find themselves buying stuff and then discovering that they could pay less for the same item they've just bought, will appreciate this credit card benefit – price protection. This is the least known and the most neglected benefit that, however, can help save you hundreds of dollars annually.

Read More

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

If you would need a credit card solely for Torrid purchases it may be good to apply for their co-branded credit card, but in case you need card that earn rewards on all purchases. We would recommend you to apply for the cash back credit card. You have to look at the monetary value of each...
The card can be a good option. The card gives 21 months of 0% intro APR on balance transfers. All transfers should be completed within the first four months to qualify for this promo offer. The balance transfer fee is 5% of the amount transferred, but the annual fee is zero. The...
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

Find Out Your Credit Score
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.

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