Did you know some cards offer long 0% intro APRs on purchases and balance transfers? This means you can save some serious dough on interest with one of these cards, as some offer 0% intro APRs of up to 21 months! See the following list of low APR cards from our partners to find the right option for you.

Updated 09-21-2018

Low APR Credit Cards Comparison Chart

Name & Card Purchase APR Balance Transfer APR Annual Fee Credit Needed
Discover it® Cash Back
Purchase APR: 0% for 14 months, then 13.74% - 24.74% Variable Balance Transfer APR: 0% for 14 months, then 13.74% - 24.74% Variable Annual Fee: $0 Credit Needed: Excellent, Good, Average
Bottom Line: 14-month 0% intro APR on purchases & balance transfers; Matches your cash back at end of 1st year
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Wells Fargo Platinum Visa® Card
Purchase APR: 0% intro APR for 18 months, then 17.24%-26.74% (variable) Balance Transfer APR: 0% intro APR 18 months, then 17.24%-26.74% (Variable) Annual Fee: $0 Credit Needed: Excellent / Good
Bottom Line: 0% intro APR for 18 months on purchases and balance transfers, mobile phone protection
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Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer
Purchase APR: 0%* for 12 months, then 14.74% - 24.74%* (Variable) Balance Transfer APR: 0%* for 21 months, then 14.74% - 24.74%* (Variable) Annual Fee: $0* Credit Needed: Excellent, Good
Bottom Line: 21-month 0% intro APR on balance transfers; 12-month 0% intro APR on purchases; post-intro APR is also low
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Capital One® SavorOneā„  Cash Rewards Credit Card
Purchase APR: 0% intro on purchases for 15 months, then 14.74% - 24.74% (Variable). Balance Transfer APR: 0% intro on balance transfers for 15 months, then 14.74% - 24.74% (Variable) Annual Fee: $0 Credit Needed: Excellent, Good
Bottom Line: Good pick if you dine out and shop at grocery stores frequently; $150 bonus opportunity; 15-month 0% intro APR on balance transfers & purchases
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Blue Cash Everyday® Card from American Express
Purchase APR: 0% on purchases for 15 months, then 14.74%-25.74% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Balance Transfer APR: 0% on balance transfers for 15 months, then 14.74%-25.74% 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: 26.99% Variable
  • Penalty APR: 29.99% Variable
  • Returned Payment Fee: Up to $38
Balance Transfer APR: 0% on balance transfers for 15 months, then 14.74%-25.74% Variable Annual Fee: $0 Credit Needed: Good, Excellent
Bottom Line: $150 bonus; 15-month 0% intro APR on both balance transfers and purchases; Solid all-around cash back card. Terms apply.
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Citi Simplicity® Card - No Late Fees Ever
Purchase APR: 0%* for 18 months, then 15.74% - 25.74%* (Variable) Balance Transfer APR: 0%* for 18 months, then 15.74% - 25.74%* (Variable) Annual Fee: $0* Credit Needed: Excellent, Good
Bottom Line: 18-month 0% intro APR on both purchases and balance transfers, no late fees
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*See credit card application page for additional details.