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Credit cards that offer low or 0% introductory APR rates are a great way to enjoy interest-free purchases. Some of these cards combine a low intro APR with a low or 0% balance transfer APR, so you can save additional money on expenditures you've already made. A number of these credit cards also include cash back and other rewards for purchases made with your card. We've culled through all the offers out there to bring you the best of the crop. If you'd like to learn more about credit cards and how they work, visit our FAQ.
Low APR Credit Card Reviews & Prices
Updated 05-17-2012
| Name & Card | Purchase APR | Annual Fee | Balance Transfer APR | Credit Needed
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Features | Our Rating & Bottom Line |
| Citi® Diamond Preferred® Card |  | 0% for first 18 months, then 11.99% - 21.99% | None | 0% for 18 months | Good | Save money with a 0% intro APR on purchases and transfers | Our Rating: Citi's 18-month 0% intro purchase and balance transfer APR period is the longest of any card; post-intro APR is also low |
| Citi Simplicity® Card |  | 0% for first 18 months, then 12.99% - 21.99% | None | 0% for 18 months | Good | Save money with a 0% intro APR on purchases and transfers, no late fees | Our Rating: Citi's 18-month 0% intro purchase and balance transfer APR period is the longest of any card, no late fees |
| Citi® Platinum Select® Visa® |  | 0% for first 18 months, then 11.99% - 21.99% | None | 0% for 18 months | Good | Save money with a 0% intro APR on purchases and transfers | Our Rating: Citi's 18-month 0% intro purchase and balance transfer APR period is the longest of any card; post-intro APR is also low |
| SlateSM - No Balance Transfer Fee |  | 0% for up to 15 months, then 11.99%-21.99% | None | 0% for 15 months | Good | No balance transfer fee in the first 30 days; 0% intro APR on purchases and transfers | Our Rating: Great choice for balance transfers; no balance transfer fee, 0% intro APR on purchases & transfers for 15 months |
| Name & Card | Purchase APR | Annual Fee | Balance Transfer APR | Credit Needed
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Features | Our Rating & Bottom Line |
| Discover® More Card |  | 0% for first 15 months, then 10.99-20.99% (Variable) | None | 0% for 15 months | Good | 5% cash back on purchases within select categories; 1% on all others after $3k annually | Our Rating: 15-month 0% intro APR on purchases & balance transfers, up to 5% cash back. |
| Capital One® Platinum Prestige Credit Card |  | 0% until Sept 2013, then 10.9% - 18.9% (V) | None | 0% until Sept 2013 | Excellent/ Good | Save money with a 0% intro APR on purchases and transfers | Our Rating: 15-month 0% intro and balance transfer APR period, low ongoing APR |
| Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR |  | 0% for the first 15 months, then 12.99%-22.99% | None | 0% for 15 months | Good | $100 cash back after spending $500 in first 3 months; 1% cash back on all purchases, 5% in rotating spending categories | Our Rating: Excellent combination of cash back rewards and 0% intro APR; $100 bonus opportunity |
| Citi® Dividend Platinum Select® Visa® - $100 Cash Back |  | 0% for 12 months, then 12.99% - 22.99% | None | 0% for 12 months | Good | 5% cash back per $1 spent in popular categories, 1% per $1 spent on all other purchases | Our Rating: 12-month 0% APR intro and balance transfer APR period, $100 bonus after spending first $500, max of $300 cash back per year after $100 bonus |
| Name & Card | Purchase APR | Annual Fee | Balance Transfer APR | Credit Needed
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Features | Our Rating & Bottom Line |
| Citi ThankYou® Card |  | 0% for first 15 months, then 12.99% - 22.99% | None | 0% for 15 months | Good | 1 point for per $1 spent on all purchases | Our Rating: 0% APR on purchases and balance transfers for 15 months, earn rewards to spend on cash, travel and more. |
| Capital One® Venture OneSM Rewards Credit Card |  | 0% until June 2013, then 11.9% - 19.9% (V) | None | 0% until June 2013 | Excellent/ Good | 1.25 miles per $1 spent on all purchases; earn 10,000 miles (equal to $100 in travel) once you spend $1,000 in first 3 months | Our Rating: Unlimited travel rewards combined with 0% introductory APR and no annual fee makes this a solid choice; $1.25 flight & hotel value; $100 bonus opportunity |
| TrueEarnings® Card from Costco and American Express |  | 0% for first 6 months, then 15.24% (Variable) | None (with paid Costco membership) | Purchase APR | Good | 3% cash back for gas & restaurants; 2% for travel; 1% for everything else including Costco | Our Rating: No annual fee and a generous cash back rewards program make this a great choice for Costco members & others; 0% intro APR |
| Blue Cash EverydaySM Card from American Express |  | 0% for 12 months, then 17.24-22.24% (Variable) | None | Purchase APR | Good | $100 cash back after spending $1,000 in first 3 months; 3% cash back at supermarkets, 2% at gas stations and department stores and 1% on all other purchases | Our Rating: Up to 3% cash back on everyday spending; $100 cash back bonus; unlimited cash back; 0% intro APR |
| Name & Card | Purchase APR | Annual Fee | Balance Transfer APR | Credit Needed
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Features | Our Rating & Bottom Line |
| Citi Forward® Card |  | 0% for first 7 months, then 12.99% - 22.99% | None | 0% for 12 months | Good | 10,000 points for $650 spent in first 3 mos and signing up for paperless statements; 5 points for every $1 you spend on books, movies, music and at restaurants and 1 point for every $1 you spend on other purchases | Our Rating: $100 bonus opportunity; Card rewards timely payments with reductions in purchase APR; features 0% intro and balance transfer APR.; redeem points for rewards or cash |
| Discover® Open Road Card |  | 0% for first 12 months, then 10.99-19.99% (Variable) | None | 0% for 12 months | Good | 2% cash back on first $250 in gas and restaurant monthly; 1% on all purchases after $3k annually | Our Rating: Good gas rebate card; 0% intro APR for purchase & transfer; $150 Restaurant.com card after first purchase |
| Blue Sky from American Express® |  | 0% for 12 months, then 17.24-22.24% (Variable) | None | Purchase APR | Good | 7,500 bonus points when you spend $1,000 within 3 months; 1 point per $1 spent | Our Rating: Unlimited travel rewards with no blackout dates or restrictions; $1.33 flight & hotel redemption value; 0% intro APR |
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