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.

Updated 05-03-2016

Low APR Credit Card 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® Diamond Preferred® Card
0%* for first 21 months on Purchases*,
then 12.24% - 22.24%* (Variable)
$0*0%* for 21 months on Balance Transfers*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
Citi Simplicity® Card - No Late Fees Ever
0%* for 21 months on Purchases*,
then 13.24% - 23.24% (variable)
$0*0%* for 21 months on Balance Transfers*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®
0% Intro APR for 15 months, then 13.24%-23.24% variable$00% Intro APR for 15 months, then 13.24%-23.24% VariableGood$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 ThankYou® Preferred Card
0%* for 15 months on Purchases, then 13.24% - 23.24%* (Variable)$0*0%* for 15 months on Balance TransfersExcellent2 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
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.
Chase Freedom® - $150 Bonus
0% Intro APR for 15 months,
then 14.24%-23.24% variable
$00% Intro APR for 15 months, then 14.24%-23.24% VariableGood$150 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; $150 bonus opportunity
Only from Discover - Cashback Match™ with No Annual Fee
0% for 12 months,
then 11.24% – 23.24% Variable
$00% for 12 monthsExcellent, Good, Average5% cash back on purchases within select categories up to the quarterly maximum; 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.
NHL® Discover it® card
0% for 12 months,
then 11.24% – 23.24% Variable
$00% for 12 monthsExcellent, Good, Average5% cash back on purchases within select categories up to the quarterly maximum; 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
0% for 12 months,
then 11.24% – 23.24% Variable
$00% for 12 monthsExcellent, 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; 12-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.
BuyPower Card from Capital One® - Get The Card That Helps You Get The Car
0% for first 12 months, then 12.15% - 20.15% VariableNone12.15% - 20.15% 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
Capital One® VentureOne® Rewards Credit Card
0% until Apr 2017,
then 12.24% - 22.24% (Variable)
$012.24% - 22.24% (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
Blue Cash Preferred® Card from American Express
0% on Purchases for 12 months, then 13.24%-23.24% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Balance Transfer APR: 0% on Balance Transfers for 12 months, then 13.24%-23.24% 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 $37
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 25.49%
  • Penalty APR: 29.49%
  • Returned Payment Fee: Up to $37.
$750% on Balance Transfers for 12 months, then 13.24%-23.24% VariableExcellent10% cash back at US wireless phone service in 2016 (up to $200), 6% 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. Terms apply.
Our Rating:
Up to 10% cash back; $150 intro bonus; 0% APR on purchases and balance transfers for 12 months. Terms apply.
Blue Cash Everyday® Card from American Express
0% on Purchases for 12 months, then 13.24%-23.24% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Balance Transfer APR: 0% on Balance Transfers for 12 months, then 13.24%-23.24% 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 $37
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 25.49%
  • Penalty APR: 29.49%
  • Returned Payment Fee: Up to $37.
$00% on Balance Transfers for 12 months, then 13.24%-23.24% VariableExcellent10% cash back at US wireless phone service providers in 2106 (up to $200),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:
Up to 10% cash back; $100 bonus; unlimited cash back; 12-mo 0% APR on purchases and balance transfers. Terms apply.
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.
BankAmericard Cash Rewards Credit Card
0% Introductory APR on purchases for 12 billing cycles, then 13.24% - 23.24% Variable APR on purchases$00% Intro APR for 12 billing cycles for balance transfers made in the first 60 days, then 13.24% - 23.24% Variable APR on balance transfersExcellent/GoodEarn 3% cash back on gas & 2% at grocery stores for first $1,500 in combined gas & grocery store 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
Susan G. Komen® Credit Card
0% Introductory APR on purchases for 12 billing cycles, then 13.24% - 23.24% Variable APR on purchases$00% Intro APR for 12 billing cycles for balance transfers made in the first 60 days, then 13.24% - 23.24% Variable APR on balance transfersExcellent/GoodEarn 3% cash back on gas & 2% at grocery stores for first $1,500 in combined gas & grocery store 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:
Cash back rewards card that contributes to breast cancer cause; $100 online-exclusive bonus offer
BankAmericard Travel Rewards® Credit Card
0% Introductory APR on purchases for 12 billing cycles, then 15.24% - 23.24% Variable APR on purchases$015.24% - 23.24% 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; 20,000 bonus points offer; no foreign transaction fees
Simmons First Visa® Platinum
7.25% Variable$07.25% VariableExcellentVery low ongoing APR, No balance transfer fee
Our Rating:
Exceptionally low ongoing APR and no balance transfer fees
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
9.25% Variable$09.25% VariableExcellent1 point per $1 spent
Our Rating:
Combines very low ongoing APR and no balance transfer fees with travel rewards program

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 - 2016 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.