Whether you want to avoid paying interest on a new, large purchase or you’re already paying interest on a balance and want to stop, the following list of low APR credit cards can help. If you spot a card you like, click “Apply Now” to connect with any of our partners. Some 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 18 months. A handful of cards we’ve reviewed 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 low APR credit cards below to find the right one for your needs.
Low APR Credit Cards
Updated: 06-17-2019
Low APR Credit Cards Comparison Chart
Card
Purchase APR
Annual Fee
Balance Transfer APR
Credit Needed
Features
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 our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The reviews 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.
Purchase APR:0% intro on purchases for 15 months, then 16.24% - 26.24% (Variable)
Annual Fee:$0
Balance Transfer APR:0% intro on balance transfers for 15 months, then 16.24% - 26.24% (Variable)
Credit Needed:Excellent, Good
Features:Earn $150 after you spend $500 on purchases within 3 months from account opening, 1.5% cash back on all purchases
Bottom Line:1.5% cash back on all purchases; 15-month 0% intro APR on purchases & balance transfers; $150 bonus opportunity
Purchase APR:0% for 14 months, then 14.24% - 25.24% Variable
Annual Fee:$0
Balance Transfer APR:0% for 14 months, then 14.24% - 25.24% Variable
Credit Needed:Excellent, Good, Average
Features:Matches 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
Bottom Line:14-month 0% intro APR on purchases & balance transfers; Matches your cash back at end of 1st year
Purchase APR:0% intro on purchases for 15 months, then 16.24% - 26.24% (Variable)
Annual Fee:$0
Balance Transfer APR:0% intro on balance transfers for 15 months, then 16.24% - 26.24% (Variable)
Credit Needed:Excellent, Good
Features:Earn 3% back on dining out and entertainment, 2% back at grocery stores and 1% back on all other purchases; $150 after you spend $500 on purchases within 3 months from account opening
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
Purchase APR:0% on purchases for 12 months, then 15.24%-26.24% Variable
Additional Rates & Fees
Additional Rates & Fees
- Annual Fee: $95.
- Purchase APR: 0% on purchases for 12 months, then 15.24%-26.24% Variable, based on creditworthiness.
- Balance Transfer APR: 0% on balance transfers for 12 months, then 15.24%-26.24% 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 $38.
- Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
- APR for Cash Advances: 27.49% Variable.
- Penalty APR: 29.99% Variable.
- Returned Payment Fee: Up to $38.
- For full details, See rates and fees.
Annual Fee:$95
Balance Transfer APR:0% on balance transfers for 12 months, then 15.24%-26.24% Variable
Credit Needed:Excellent, Good
Features:Earn 6% cash back at U.S. supermarkets (up to $6,000) and on select streaming services. Plus, earn 3% back at U.S. gas stations and on transit, as well as 1% back on all other purchases. $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Terms apply.
Bottom Line:Earn 6% cash back at U.S. supermarkets on up to $6,000 in purchases and on select U.S. streaming services, 3% at U.S. gas stations and on transit; $250 intro bonus opportunity; Terms apply.
Card
Purchase APR
Annual Fee
Balance Transfer APR
Credit Needed
Features
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 our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The reviews 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.
Purchase APR:0% Introductory APR on purchases for 18 billing cycles, then 15.24% - 25.24% Variable APR on purchases
Annual Fee:$0
Balance Transfer APR:0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days, then 15.24% - 25.24% Variable APR on balance transfers
Credit Needed:Excellent/Good
Features:0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days, then 15.24% - 25.24% Variable APR on balance transfers.
Bottom Line:0% intro APR for 18 billing cycles on purchases and qualifying balance transfers
Purchase APR:15.74% - 25.74%* (Variable)
Annual Fee:$0*
Balance Transfer APR:0% for 18 months on Balance Transfers*, then 15.74% - 25.74%* (Variable)
Credit Needed:Excellent, Good
Features:Earn 2% cash back on all purchases (1% when you make a purchase, plus another 1% when you pay for the purchase)
Bottom Line:Earn 2% cash back on all purchases, the highest standard cash back rate of all the cards we review; 18-month 0% intro APR on balance transfers*
Purchase APR:0% Intro APR on Purchases for 15 months, then 17.24% - 25.99% Variable
Annual Fee:$0
Balance Transfer APR:0% Intro APR on Balance Transfers for 15 months, then 17.24% - 25.99% Variable
Credit Needed:Good
Features:Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
Bottom Line:Intro 3% cash back offer; after that, earn an unlimited 1.5% cash back on all purchases; 0% intro APR on purchases and balance transfers for 15 months
Purchase APR:0% intro APR for 18 months, then 13.74%-27.24% (Variable)
Annual Fee:$0
Balance Transfer APR:0% intro APR for 18 months on qualifying balance transfers, then 13.74%-27.24% (Variable)
Credit Needed:Excellent/Good
Features:0% intro APR on qualifying balance transfers and on purchases
Bottom Line:0% intro APR for 18 months on purchases and qualifying balance transfers, mobile phone protection
Card
Purchase APR
Annual Fee
Balance Transfer APR
Credit Needed
Features
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 our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The reviews 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.
Purchase APR:0% Introductory APR on credit card purchases for the first 18 months from account opening, then a Variable APR of 13.24%, 17.24% or 21.24% will apply after the Introductory Period
Additional Rates & Fees
Additional Rates & Fees
- Annual Fee: $0.
- Purchase APR: 0% Introductory APR on credit card purchases for the first 18 months from account opening, then a Variable APR of 13.24%, 17.24% or 21.24% will apply after the Introductory Period.
- Balance Transfer APR: 0% Introductory APR on balance transfers for the first 18 months from account opening, then a Variable APR of 13.24%, 17.24% or 21.24% will apply after the Introductory Period.
- Balance Transfer Fee: Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check.
- Foreign Transaction Fee: None.
- Terms and Conditions
Annual Fee:$0
Balance Transfer APR:0% Introductory APR on balance transfers for the first 18 months from account opening, then a Variable APR of 13.24%, 17.24% or 21.24% will apply after the Introductory Period
Credit Needed:Good/Excellent
Features:0% intro APR on balance transfers and purchases
Bottom Line:18-month 0% intro APR on both purchases and balance transfers; no foreign transaction fees and no penalty APR.
Purchase APR:0% intro for 15 months on Purchases, then 15.74% - 25.74% (Variable)
Annual Fee:$0
Balance Transfer APR:0% intro for 15 months on Balance Transfers, then 15.74% - 25.74% (Variable)
Credit Needed:Excellent/Good
Features:Earn 15,000 bonus points after spending $1,000 on purchases within 3 months of account opening; pay 0% intro APR for 15 months on purchases and balance transfers; earn 2X points at supermarkets and gas stations for the first $6,000 per year and then 1X points thereafter. Plus, earn 1X points on all other purchases.
Bottom Line:15,000-point bonus opportunity; 15-month 0% intro APR on balance transfers and purchases; Earn 2X points at supermarkets and gas stations — plus, points automatically round up to the nearest 10 on every purchase.
Purchase APR:0% intro APR for 12 months, then 16.24%-28.24% (Variable)
Annual Fee:$0
Balance Transfer APR:0% intro APR for 12 months on qualifying balance transfers, then 16.24%-28.24% (Variable)
Credit Needed:Excellent / Good
Features:Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months; earn unlimited 1.5% cash back on purchases
Bottom Line:$200 bonus opportunity; earn 1.5% cash back; 0% intro APR for 12 months on purchases and qualifying balance transfers
Purchase APR:0% Intro APR on Purchase for 15 months, then 17.24% - 25.99% Variable
Annual Fee:$0
Balance Transfer APR:0% Intro APR on Balance Transfers for 15 months, then 17.24% - 25.99% Variable
Credit Needed:Good
Features:Earn 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. Enjoy new 5% categories each quarter. Unlimited 1% cash back on all other purchases.
Bottom Line:Excellent combination of cash back rewards and 0% intro APR; $150 Bonus opportunity
Card
Purchase APR
Annual Fee
Balance Transfer APR
Credit Needed
Features
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 our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The reviews 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.
Purchase APR:0% Introductory APR on purchases for 12 billing cycles, then 16.24% - 26.24% Variable APR on purchases
Annual Fee:$0
Balance Transfer APR:0% Intro APR for 12 billing cycles for any balance transfers made in the first 60 days, then 16.24% - 26.24% Variable APR on balance transfers
Credit Needed:Excellent/Good
Features:$200 online cash rewards bonus offer; Earn 3% on the category of your choice (there are 6 to choose from), 2% back at wholesale clubs & grocery stores (up to $2,500 your choice category/wholesale club/grocery store quarterly purchases), 1% back on other purchases
Bottom Line:$200 online bonus after you make at least $1,000 in purchases in the first 90 days of account opening; 3% on the category of your choice (there are 6 to choose from), 2% at wholesale clubs and grocery stores; introductory 0% APR offer for 12 billing cycles
Purchase APR:0% intro APR for 12 months, then 16.24%-27.24% (Variable)
Annual Fee:$0
Balance Transfer APR:0% intro APR for 12 months on qualifying balance transfers, then 16.24%-27.24% (Variable)
Credit Needed:Excellent/Good
Features:Earn 30,000 bonus points (redeemable for $300 cash back) after spending $3,000 on purchases in the first 3 months; Earn 3X on travel, eating out and ordering in and gas station purchases — redeemable for cash back & more
Bottom Line:30,000-point bonus opportunity (worth $300 in cash); Earn 3X at gas stations, on travel (including rideshares & transit) purchases, popular streaming services, eating out and ordering in; 0% intro APR for 12 months on purchases & qualifying balance transfers
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.
