low APR credit cardsUpdated: Oct. 8, 2018

Just the idea of needing to pay a high interest rate for a credit card can be a major deterrent to getting one, but if you’re planning to make a large purchase or working to reduce a balance’s interest, low intro APR credit cards could be the life savers you’re looking for. That’s because some of the best low APR cards offer 0% intro APR periods for purchases and balance transfers, enabling you to avoid paying interest for a long period of time. To round things out, a number of these cards also provide extra perks, like rewards on purchases and sign-up bonuses, that could sweeten the deal even more. Not sure which cards are the best? Here are 3 of our top low APR credit cards you may want to get your hands on.

Wells Fargo Platinum Visa Card

low APR credit cardsWhen it comes to low APR credit cards, it’s hard to beat the Wells Fargo Platinum Visa Card and what it offers. That’s because this card grants cardholders a whopping 18-month 0% intro APR on purchases and on balance transfers made in the first 120 days, which is one of the longer 0% intro APR periods we’ve seen. It charges a 3% intro balance transfer fee for 18 months (after that, it’s 5%), but the length of the 0% intro APR still makes it worthwhile. To sweeten this deal, this card comes with no annual fee, so you don’t have to worry about footing that extra cost for your Wells Fargo Platinum Visa Card. As an added bonus, you’ll receive up to $600 protection on your cell phone (subject to $25 deductible with a maximum of 2 claims per year) against covered damage or theft when you pay your monthly cell phone bill with your Wells Fargo Platinum Visa Card. As you can see, this card serves up a number of great perks, and the card requires good to excellent credit, usually considered to be those with a credit score of 700 or higher, for approval.

BankAmericard credit card

low APR credit cardsAnother low APR credit card that could be a great pick is the BankAmericard credit card. This card also offers a lengthy 18-month 0% intro APR on purchases and on balance transfers made in the first 60 days (with a balance transfer fee of 3% of the amount of each transfer or $10, whichever is greater). Like the previously mentioned Wells Fargo Platinum Visa Card, the BankAmericard credit card has no annual fee. On top of that, the BankAmericard credit card — which requires good to excellent credit (usually considered to be those with a credit score of 700 or higher) for approval — also has no penalty APR, which means paying late won’t increase your APR.

Discover it Cash Back

low APR credit cardsThe Discover it Cash Back card is another strong candidate to consider when it comes to figuring out which low APR credit card to get. This card gives cardholders a 14-month 0% intro APR on purchases and balance transfers (after that, a go-to variable rate applies), accompanied by a balance transfer fee of 3% of the amount of each transfer, which is a relatively standard rate for credit cards. Like the Wells Fargo Platinum Visa Card and the Citi Simplicity Card, Discover it Cash Back also has a $0 annual fee, but unlike the others listed above, it offers other types of perks.

True to its name, Discover it Cash Back earns cardholders cash back on purchases made with the card, allowing them to earn 5% back in rotating categories each quarter they activate (up to the quarterly maximum, currently $1,500, and then it’s 1% back) and 1% on all other purchases. This perk could be great for you if you’re looking to earn cash back on different kinds of purchases. For instance, if you had used this card to earn cash back throughout 2018, you’d have been able to do so for purchases falling under these rotating categories: gas stations and wholesale clubs from January to March, grocery stores from April to June, restaurants from July to September as well as Amazon.com and wholesale clubs from October to December. Applying now would mean you’d get to take advantage of 5% cash back at Amazon.com and wholesale clubs — perfect for holiday shopping!

As a bonus, Discover matches all the cash back you’ve earned at the end of the first year, meaning that for the first 12 months of card ownership, you can earn an effective 10% back on rotating categories (up to the quarterly cap) plus 2% cash back on other purchases. For example, if you earn $300 in the first year, Discover will match that $300, giving you a total of $600 back! Other highlights of this card include a free TransUnion FICO Score on your monthly statement and free social security number alerts. The Discover it Cash Back is available to those who have average to excellent credit (usually a credit score above 670), making it a better option for those with less-than-perfect credit.

Want to learn more about these low APR credit cards and other card options that could fit your needs? If so, visit our reviews of the best low APR credit cards to find the perfect option for you.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.