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Compare Low APR Credit Cards

Credit cards that offer 0% introductory APR rates are a great way to enjoy interest-free purchases. Some of these cards combine a 0% intro purchase APR with a 0% intro balance transfer APR, so you can save additional money on expenditures you've already made. Citi recently upped the ante in this market by moving to a 21-month 0% intro APR for purchases and balance transfers on two of their cards, the longest 0% APR we've seen since we've been reviewing credit cards. Some of the below credit cards also include cash back and other rewards for purchases made with your card. We've reviewed top cards from the biggest issuers and below is our list of the best low APR credit cards from our partners that we've reviewed. If you'd like to learn more about credit cards and how they work, visit our Credit Card FAQs.

Low APR Credit Card Reviews & Prices

Updated 09-01-2015

Name & CardPurchase APRAnnual FeeBalance Transfer APRCredit Needed Features Our Rating & Bottom Line
Citi Simplicity®
Citi Simplicity<sup>®</sup>0% for first 21 months,
then 12.99% - 22.99% (V)*
$0*0% for 21 months*ExcellentSave money with a 0% intro APR on purchases and transfers, no late fees
Our Rating:
Citi's 21-month 0% intro purchase and balance transfer APR period is the longest of any card, no late fees
Chase Slate®
Chase Slate<sup>®</sup> 0% for first 15 months,
then 12.99%, 17.99% or 22.99% Variable
None0% for 15 monthsGood$0 introductory balance transfer fee during first 60 days your account is open; 0% intro APR on purchases and transfers
Our Rating:
Great choice for balance transfers; Only card with $0 intro balance transfer fee, 0% intro APR on purchases & transfers for 15 months
Citi® Diamond Preferred® Card
Citi<sup>®</sup> Diamond Preferred<sup>®</sup> Card 0% for first 21 months,
then 11.99% - 21.99% (V)*
$0*0% for 21 months*ExcellentSave money with a 0% intro APR on purchases and transfers
Our Rating:
Citi's 21-month 0% intro purchase and balance transfer APR period is the longest of any card; post-intro APR is also low
Blue Cash Preferred® Card from American Express
Blue Cash Preferred<sup>®</sup> Card from American Express0% for 15 months, then 12.99%-21.99% Variable Additional Rates & Fees Additional Rates & Fees
  • Balance Transfer APR: 0% intro APR for 15 months on balance transfers, then 12.99% - 21.99% Variable, depending on credit history.
  • Balance Transfer Fee: Balance transfer fee is $5 or 3% of the amount of each transfer, whichever is greater.
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 25.24%
  • Penalty APR: 29.24%
  • Accurate as of: 8/1/15.
$750% for 15 months, then 12.99%-21.99% VariableExcellent6% cash back at US supermarkets (up to $6K), 3% cash back on US gas & select US dept stores; 1% cash back on other purchases. $150 intro bonus after spending $1K in first 3 mos.
Our Rating:
Up to 6% cash back on everyday spending; $150 intro bonus; 0% APR on purchases and balance transfers for 15 months
Name & Card Purchase APR Annual Fee Balance Transfer APR Credit Needed Features Our Rating & Bottom Line
Chase Freedom® - $100 Bonus
Chase Freedom<sup>®</sup> - $100 Bonus0% for the first 15 months,
then 13.99% - 22.99% Variable
None0% for 15 monthsGood$100 bonus after spending $500 in first 3 months; 5% cash back in rotating spending categories (up to $1,500 per quarter), 1% on all other purchases
Our Rating:
Excellent combination of cash back rewards and 0% intro APR; $100 bonus opportunity
Discover it®-New! Double Cash Back your first year
Discover it<sup>®</sup>-New! Double Cash Back your first year0% for first 12 months,
then 10.99% - 22.99% Variable*
$00% for 12 monthsExcellent5% cash back on purchases within select categories; 1% on all other purchases
Our Rating:
Double your cash back at end of 1st year; 12-month 0% intro APR on purchases & balance transfers.
Discover it® Chrome-New! Double Cash Back your first year
Discover it<sup>®</sup> Chrome-New! Double Cash Back your first year0% for first 12 months,
then 10.99% - 22.99% Variable*
$00% for 12 monthsExcellent2% cash back on up to $1,000 quarterly in combined purchases on restaurants & gas; 1% on all other purchases
Our Rating:
Double your cash back at end of 1st year; Cash back rewards without registering quarterly; 12-month 0% intro APR on purchases & balance transfers
Citi® Double Cash Card
Citi<sup>®</sup> Double Cash Card0% for 15 months,
then 12.99-22.99% Variable
$0*0% for 15 months,
then 12.99-22.99% Variable
Excellent1% cash back on all purchases plus another 1% cash back as you pay for those purchases, whether you pay in full or over time
Our Rating:
1% cash back when you buy PLUS 1% back when you pay = 2x cash back on all purchases; 15-mo 0% APR on balance transfers and purchases
Name & Card Purchase APR Annual Fee Balance Transfer APR Credit Needed Features Our Rating & Bottom Line
Simmons First Visa® Platinum
Simmons First Visa<sup>®</sup> Platinum7.25% Variable$07.25% VariableExcellentVery low ongoing APR, No balance transfer fee
Our Rating:
Exceptionally low ongoing APR and no balance transfer fees
BuyPower Card from Capital One® - Get The Card That Helps You Get The Car
BuyPower Card from Capital One<sup>®</sup> - Get The Card That Helps You Get The Car0% for first 12 months, then 11.9% - 19.9% VariableNone11.9% - 19.9% VariableExcellent/Good5% earnings on first $5,000 in purchases annually, 2% earnings on all purchases after that
Our Rating:
If you're in the market for a Chevrolet, Buick, GMC or Cadillac, this card will help get you in the driver's seat
Barclaycard® Ring Mastercard®
Barclaycard<sup>®</sup> Ring Mastercard<sup>®</sup>8.00% (Variable)None8.00% (Variable)ExcellentVery low ongoing APR, No balance transfer fee, users help manage card program and participate in profits
Our Rating:
Combines remarkable low ongoing APR on purchases & balance transfers with no balance transfer fee; No 0% intro APR; includes a unique profit sharing program
Blue Cash Everyday® Card from American Express
Blue Cash Everyday<sup>®</sup> Card from American Express0% for 15 months, then 12.99%-21.99% Variable Additional Rates & Fees Additional Rates & Fees
  • Balance Transfer APR: 0% intro APR for the first 15 months, then 12.99%-21.99% Variable, depending on credit history.
  • Balance Transfer Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 25.24%
  • Penalty APR: 29.24%
  • Accurate as of: 8/1/15.
$00% for 15 months, then 12.99%-21.99% VariableExcellent3% cash back at US supermarkets (up to $6K), 2% cash back on US gas & select dept stores; 1% cash back on other purchases. $100 bonus after spending $1K in first 3 mos.
Our Rating:
Up to 3% cash back on everyday spending; $100 bonus; unlimited cash back; 15-mo 0% APR on purchases and balance transfers
Name & Card Purchase APR Annual Fee Balance Transfer APR Credit Needed Features Our Rating & Bottom Line
BankAmericard Cash Rewards Credit Card
BankAmericard Cash Rewards<sup>™</sup> Credit Card0% Introductory APR on purchases for 12 billing cycles,
then 12.99% - 22.99% Variable on purchases
$00% Intro for 12 billing cycles for balance transfers made in the first 60 days,
then 12.99% - 22.99% Variable on balance transfers
Excellent/GoodEarn 2% cash back at grocery stores & 3% on gas for first $1.5K in combined grocery store & gas purchases quarterly, 1% cash back on other purchases, $100 online-exclusive bonus after spending at least $500 in purchases in first 90 days
Our Rating:
Combines great cash back rewards with an Introductory APR offer; $100 online-exclusive bonus offer
Simmons First Visa® Platinum Rewards
Simmons First Visa<sup>®</sup> Platinum Rewards9.25% Variable$09.25% VariableExcellent1 point per $1 spent
Our Rating:
Combines very low ongoing APR and no balance transfer fees with travel rewards program
Citi ThankYou® Preferred Card - Earn up to 20,000 Bonus Points
Citi ThankYou<sup>®</sup> Preferred Card - Earn up to 20,000 Bonus Points0% for 12 months, then 12.99% - 22.99% (V)*$0*0% for 12 months*Excellent20K points for $1,500 spent in first 3 mos; 2 points per $1 spent on dining and entertainment; 1 point per $1 spent on all other purchases
Our Rating:
Earn rewards to spend on cash, travel and more; 20,000 bonus point opportunity
UPromise World Mastercard®
UPromise World Mastercard<sup>®</sup>0% for 12 months,
then 12.99% or 20.99% (Variable)
None0% for 12 monthsExcellent5% cash back for eating at participating Upromise restaurants, 2% for purchases at eligible dept stores & movies, 1% cash back on all other purchases
Our Rating:
Smart choice for those saving for college or who want to pay off a college loan; 0% APR for 12 months on purchases & balance transfers; $50 cash back after 1st use
Name & Card Purchase APR Annual Fee Balance Transfer APR Credit Needed Features Our Rating & Bottom Line
BankAmericard Travel Rewards® Credit Card
BankAmericard Travel Rewards<sup>®</sup> Credit Card0% Introductory APR on purchases for 12 billing cycles,
then 14.99% - 22.99% Variable APR on purchases
$014.99% - 22.99% Variable APR on balance transfersExcellent/GoodEarn 1.5 points per $1 spent on all purchases; 20,000 bonus points after spending at least $1,000 in purchases in first 90 days
Our Rating:
Great value of 1.5 points for every $1 in purchases plus an Introductory APR offer; $200 travel bonus opportunity; no foreign transaction fees
Capital One® VentureOne® Rewards Credit Card
Capital One<sup>®</sup> VentureOne<sup>®</sup> Rewards Credit Card0% until Aug 2016,
then 11.9% - 21.9% (Variable)
$011.9% - 21.9% (Variable)Excellent/Good1.25 miles per $1 spent on all purchases; earn 20,000 miles (equal to $200 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

Disclaimer: This content is not provided or commissioned by the credit card issuers. Opinions expressed here are author's alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers. This site may be compensated through the affiliate program of the credit card issuers.

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Advertiser Disclosure: NextAdvisor.com is a consumer information site that offers free, independent reviews and ratings of online services. We receive advertising revenue from most but not all of the companies whose products and services we review. For credit cards, we review cards from all of the top 10 US issuers by purchase volume (according to Issue 1035 of The Nilson Report, Feb 2014) excluding issuers that require additional accounts to be a cardholder and private label issuers. We may also review cards from other issuers in select cases. We do not review all products in a given category. We are independently owned and operated and all opinions expressed on this site are our own.