Best Low APR Credit Cards

Whether you want to avoid paying interest on new, large purchase or you're already paying interest on a balance and want to stop, our list of the best low APR credit cards below can help. Our top-ranked cards offer long 0% intro APR periods on both purchases and balance transfers, allowing you to avoid interest on both new expenditures and ones you've already made. The length of the 0% intro APR periods differ from card to card, but they can be as long as 21 months, the longest 0% APR we've seen since we've been reviewing credit cards. A handful of the best low APR credit cards also include cash back and other rewards for purchases made with your card, which means they're cards you'll likely want in your wallet long after the 0% intro APR is over. Check out our list of the best low APR credit cards that we've reviewed below to find the right credit card for you.

Updated 07-19-2017

Best Low APR Credit Cards Comparison Chart

Name & CardPurchase APRAnnual FeeBalance Transfer APRCredit Needed
Don't know your credit rating? Find out what your credit score means or get a free credit score and explanation with our top-reviewed credit monitoring services.
FeaturesOur Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
Citi Simplicity® Card - No Late Fees Ever
0%* for 21 months on Purchases*, then 14.49% - 24.49% (Variable)$0*0%* for 21 months on Balance Transfers*, then 14.49% - 24.49% (Variable)Excellent, GoodSave money with a 0% intro APR on purchases and transfers, no late fees
Our Rating:
21-month 0% intro APR on both purchases and balance transfers, no late fees
BankAmericard® Credit Card
0% Introductory APR on purchases for 15 billing cycles, then 12.99% - 22.99% Variable APR on purchases $0.000% Intro APR for 15 billing cycles for balance transfers made in the first 60 days, then 12.99% - 22.99% Variable APR on balance transfers Excellent/Good$0 Intro balance transfer fee for the first 60 days your account is open, then 3% (min $10). 0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days, then 12.99% - 22.99% Variable APR on balance transfers.
Our Rating:
Our top-rated card for balance transfers combines a $0 intro balance transfer fee during the first 60 days account is open (then 3%, min $10) with a 0% intro APR on balance transfers and purchases for 15 billing cycles
Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases
0%* for 21 months on Purchases*, then 13.49% - 23.49%* (Variable)$0*0%* for 21 months on Balance Transfers*, then 13.49% - 23.49%* (Variable)Excellent, GoodSave money with a 0% intro APR on purchases and transfers
Our Rating:
21-month 0% intro APR on both purchases and balance transfers; post-intro APR is also low
Discover it® - 18 Month Balance Transfer Offer
0% for first 6 months, then 11.99% – 23.99% Variable$00% for 18 months, then 11.99% – 23.99% VariableExcellent, Good, Average5% cash back on purchases within select categories up to the quarterly maximum (signup required); unlimited 1% on all other purchases
Our Rating:
Combines an 18-month 0% intro APR on balance transfers with cash back rewards; Double your cash back at end of 1st year
Name & CardPurchase APRAnnual FeeBalance Transfer APRCredit Needed
Don't know your credit rating? Find out what your credit score means or get a free credit score and explanation with our top-reviewed credit monitoring services.
FeaturesOur Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
Citi® Double Cash Card – 18 month BT offer
14.49% - 24.49%* (Variable)$0*0%* for 18 months on Balance Transfers*, then 14.49% - 24.49%* (Variable)Excellent, Good1% 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; 18-mo 0% APR on balance transfers
Wells Fargo Platinum Visa® Card
0% intro APR for 18 months, then 16.15%-25.99% (variable)$00% intro APR for 18 months, then 16.15%-25.99% (Variable)Excellent / Good0% intro APR on balance transfers and purchases
Our Rating:
0% intro APR for 18 months on purchases and balance transfers
Chase Freedom® - $150 Bonus
0% Intro APR on Purchases for 15 months, then 15.99% - 24.74% variable$00% Intro APR on Balance Transfers for 15 months, then 15.99% - 24.74% VariableGoodEarn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Unlimited 1% cash back on all other purchases.
Our Rating:
Excellent combination of cash back rewards and 0% intro APR; $150 Bonus opportunity
Chase Freedom Unlimited℠
0% Intro APR on Purchases for 15 months, then 15.99% - 24.74% variable$00% Intro APR on Balance Transfers for 15 months, then 15.99% - 24.74% Variable GoodEarn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening, Unlimited 1.5% cash back
Our Rating:
Unlimited 1.5% cash back; 0% Intro APR on Purchases and balance transfers for 15 months; $150 Bonus opportunity
Name & CardPurchase APRAnnual FeeBalance Transfer APRCredit Needed
Don't know your credit rating? Find out what your credit score means or get a free credit score and explanation with our top-reviewed credit monitoring services.
FeaturesOur Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
Barclaycard Ring™ Mastercard®
0% intro APR for 15 months, then 13.99% Variable$00% intro APR for 15 months (on balance transfers made within 45 days of account opening), then 13.99% VariableExcellentNo balance transfer fees, 0% intro APR on purchases and transfers, users help manage card program and participate in profits
Our Rating:
Combines 15-month 0% intro APR purchases & balance transfers with no balance transfer fee; includes a unique profit sharing program
Discover it® - Cashback Match™
0% for 14 months, then 11.99% – 23.99% Variable$00% for 14 months, then 11.99% – 23.99% VariableExcellent, Good, AverageMatches your cash back at end of 1st year; 5% cash back on purchases within select categories up to the quarterly maximum (signup required); 1% on all other purchases
Our Rating:
Matches your cash back at end of 1st year; 14-month 0% intro APR on purchases & balance transfers.
NHL® Discover it® Card
0% for 14 months, then 11.99% – 23.99% Variable$00% for 14 months, then 11.99% – 23.99% VariableExcellent, Good, Average5% cash back on purchases within select categories up to the quarterly maximum (signup required); 1% on all other purchases
Our Rating:
Double your cash back at end of 1st year; 14-month 0% intro APR on purchases & balance transfers.
Discover it® chrome
0% for 14 months, then 11.99% – 23.99% Variable$00% for 14 months, then 11.99% – 23.99% VariableExcellent, Good, Average2% 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; 14-month 0% intro APR on purchases & balance transfers
Name & CardPurchase APRAnnual FeeBalance Transfer APRCredit Needed
Don't know your credit rating? Find out what your credit score means or get a free credit score and explanation with our top-reviewed credit monitoring services.
FeaturesOur Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
Blue Cash Preferred® Card from American Express
0% on Purchases for 12 months, then 13.99%-24.99% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Balance Transfer APR: 0% on Balance Transfers for 12 months, then 13.99%-24.99% Variable, based on creditworthiness.
  • Balance Transfer Fee: Either $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.
  • Late Payment Fee: Up to $38
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 26.24%
  • Penalty APR: 29.99%
  • Returned Payment Fee: Up to $38.
$950% on Balance Transfers for 12 months, then 13.99%-24.99% VariableExcellent, GoodEarn 6% cash back at US supermarkets (up to $6K), 3% back on US gas & select US dept stores; 1% back on other purchases. $150 intro bonus after spending $1K in first 3 mos. Terms apply.
Our Rating:
6% cash back at U.S. supermarkets on up to $6K in purchases; $150 intro bonus; Terms apply.
Blue Cash Everyday® Card from American Express
0% on Purchases for 12 months, then 13.99%-24.99% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Balance Transfer APR: 0% on Balance Transfers for 12 months, then 13.99%-24.99% Variable, based on creditworthiness.
  • Balance Transfer Fee: Either $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.
  • Late Payment Fee: Up to $38
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 26.24%
  • Penalty APR: 29.99%
  • Returned Payment Fee: Up to $38.
$00% on Balance Transfers for 12 months, then 13.99%-24.99% VariableExcellent, GoodEarn 3% 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. Terms apply.
Our Rating:
$100 bonus; Solid all-around cash back card. Terms apply.
Wells Fargo Cash Wise Visa® Card
0% intro APR for 12 months, then 13.99%-25.99% (variable)$0 0% intro APR for 12 months, then 13.99%-25.99% (Variable)Excellent / GoodEarn $200 bonus after spending $1,000 on purchases in the first 3 months; earn 1.5% cash back on virtually every purchase
Our Rating:
$200 bonus opportunity; earn 1.5% cash back; 0% intro APR for 12 months on purchases and balance transfers
Wells Fargo Propel American Express® Card
0% intro APR for 12 months, then 13.99%-25.99% (variable)$00% intro APR for 12 months, then 13.99%-25.99% (Variable)Excellent / GoodEarn 20,000 bonus points (redeemable for $200 cash back) after spending $1K in first 3 months; Earn 3x on gas, 2x at restaurants, and 1x on all other purchases - redeemable for cash back & more
Our Rating:
$200 bonus opportunity; flexible reward redemption options including cash back; 10% ongoing bonus and rewards program makes this an especially good choice for Wells Fargo customers
Name & CardPurchase APRAnnual FeeBalance Transfer APRCredit Needed
Don't know your credit rating? Find out what your credit score means or get a free credit score and explanation with our top-reviewed credit monitoring services.
FeaturesOur Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
GM BuyPower Card from Capital One® -Get The Card That Helps You Get The Car
0% intro on purchases for 12 months, then 13.90% - 23.90% (V)$013.90% - 23.90% (V)Excellent,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
Capital One® VentureOne® Rewards Credit Card
0% intro on purchases for 12 months, then 12.99% - 22.99% (Variable)$012.99% - 22.99% (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 on purchases within 3 months from account opening
Our Rating:
Unlimited travel rewards combined with 0% introductory APR and no annual fee makes this a solid choice; 20,000 point bonus opportunity
BankAmericard Cash Rewards™ Credit Card
0% Introductory APR on purchases for 12 billing cycles, then 13.99% - 23.99% Variable APR on purchases$0.000% Intro APR for 12 billing cycles for balance transfers made in the first 60 days, then 13.99% - 23.99% Variable APR on balance transfersExcellent/GoodEarn 3% cash back on gas, 2% back at wholesale clubs & grocery stores up to $2,500 gas/wholesale club/grocery store quarterly spend, 1% back on other purchases, $150 online bonus after spending at least $500 on purchases in first 90 days.
Our Rating:
2% back at wholesale clubs; $150 online cash rewards bonus offer; introductory 0% APR offer for 12 billing cycles
Susan G. Komen® Credit Card
0% Introductory APR on purchases for 12 billing cycles, then 13.99% - 23.99% Variable APR on purchases$0.000% Intro APR for 12 billing cycles for balance transfers made in the first 60 days, then 13.99% - 23.99% Variable APR on balance transfersExcellent/GoodEarn 3% cash back on gas, 2% back at wholesale clubs & grocery stores up to $2,500 gas/wholesale club/grocery store quarterly spend, 1% back on other purchases, $150 online bonus after spending at least $500 on purchases in first 90 days.
Our Rating:
2% back at wholesale clubs; $150 online bonus online cash rewards bonus offer; cash back rewards card that contributes to breast cancer cause
Name & CardPurchase APRAnnual FeeBalance Transfer APRCredit Needed
Don't know your credit rating? Find out what your credit score means or get a free credit score and explanation with our top-reviewed credit monitoring services.
FeaturesOur Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
Citi ThankYou® Preferred Card
0%* intro on purchases for 12 months on Purchases, then 14.49% - 24.49%* (Variable)$0*0%* for 12 months on Balance Transfers, then 14.49% - 24.49%* (Variable)Excellent2 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; 15,000 bonus point opportunity.
BankAmericard Travel Rewards® Credit Card
0% Introductory APR on purchases for 12 billing cycles, then 15.99% - 23.99% Variable APR on purchases$0.0015.99% - 23.99% 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:
Strong value of 1.5 points for every $1 in purchases plus an Introductory APR offer; 20,000 bonus points offer; no foreign transaction fees
Simmons First Visa® Platinum
8.00% Variable$08.00% VariableExcellentVery low ongoing APR, No balance transfer fee
Our Rating:
Exceptionally low ongoing APR and no balance transfer fees
U.S. Bank Visa® Platinum Card
0% for 15 months, then 10.99% - 22.99%* (Variable)None0% for 15 months, then 10.99% - 22.99%* (Variable)ExcellentSave money with a 0% intro APR on purchases and transfers
Our Rating:
15-month 0% APR intro and balance transfer APR period
Name & CardPurchase APRAnnual FeeBalance Transfer APRCredit Needed
Don't know your credit rating? Find out what your credit score means or get a free credit score and explanation with our top-reviewed credit monitoring services.
FeaturesOur Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
Simmons First Visa® Platinum Rewards
10.00% Variable$010.00% VariableExcellent1 point per $1 spent
Our Rating:
Combines very low ongoing APR and no balance transfer fees with travel rewards program

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.

*See credit card application page for additional details.


About Us Blog Contact Us Forums Terms & Privacy Policy Affiliate Program Site Map
Copyright© 2006 - 2017 NextAdvisor.com - All rights reserved.

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.

Advertisement