NextAdvisor's

Best Low APR Credit Cards

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, our list of the best low APR credit cards we've reviewed below can help. If you spot a card you like, click "Apply Now" to connect with any of our partners. 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 18 months. A handful of the best low APR credit 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 the best low APR credit cards we've reviewed below to find the right credit card for your needs.

Updated 10-22-2018

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.
BankAmericard® credit card
0% Introductory APR on purchases for 18 billing cycles, then 14.99% - 24.99% Variable APR on purchases$00% Intro APR for 18 billing cycles for balance transfers made in the first 60 days, then 14.99% - 24.99% Variable APR on balance transfersExcellent/Good0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days, then 14.99% - 24.99% Variable APR on balance transfers.
Our Rating:
0% Introductory APR for 18 billing cycles on purchases and qualifying balance transfers
Wells Fargo Platinum Visa® Card
0% intro APR for 18 months, then 17.49%-26.99% (variable)$00% intro APR 18 months, then 17.49%-26.99% (Variable)Excellent / Good0% intro APR on balance transfers and purchases
Our Rating:
0% intro APR for 18 months on purchases and balance transfers, mobile phone protection
Blue Cash Everyday® Card from American Express
0% on purchases for 15 months, then 14.99%-25.99% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Balance Transfer APR: 0% on balance transfers for 15 months, then 14.99%-25.99% 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: 27.24% Variable
  • Penalty APR: 29.99% Variable
  • Returned Payment Fee: Up to $38
$00% on balance transfers for 15 months, then 14.99%-25.99% VariableGood, ExcellentEarn 3% cash back at US supermarkets (up to $6K), 2% cash back on US gas & select dept stores, 1% cash back on other purchases. $150 bonus after spending $1K in first 3 mos. Terms apply.
Our Rating:
$150 bonus; 15-month 0% intro APR on both balance transfers and purchases; Solid all-around cash back card. Terms apply.
Capital One® Quicksilver® Card - 0% Intro APR for 15 Months
0% intro on purchases for 15 months, then 14.74% - 24.74% (Variable)$00% intro on balance transfers for 15 months, then 14.74% - 24.74% (Variable)Excellent, Good$150 cash back after you spend $500 on purchases within 3 months from account opening, 1.5% cash back on all purchases
Our Rating:
1.5% cash back on all purchases; 15-month 0% intro APR on purchases & balance transfers; $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.
Capital One® SavorOne℠ Cash Rewards Credit Card
0% intro on purchases for 15 months, then 14.74% - 24.74% (Variable).$00% intro on balance transfers for 15 months, then 14.74% - 24.74% (Variable)Excellent, GoodEarn 3% back on dining out and entertainment, 2% back at grocery stores, and 1% back on all other purchases; $150 cash back after you spend $500 on purchases within 3 months from account opening
Our Rating:
Good pick if you dine out and shop at grocery stores frequently; $150 bonus opportunity; 15-month 0% intro APR on balance transfers & purchases
Citi Simplicity® Card - No Late Fees Ever
0%* for 12 months, then 15.99% - 25.99%* (Variable)$0*0%* for 21 months, then 15.99% - 25.99%* (Variable)Excellent, GoodSave money with a 0% intro APR on purchases and transfers, no late fees
Our Rating:
21-month 0% intro APR on balance transfers; 12-month 0% intro APR on purchases; post-intro APR is also low
Chase Freedom®
0% Intro APR on Purchases for 15 months, then 16.74% - 25.49% variable$00% Intro APR on Balance Transfers for 15 months, then 16.74% - 25.49% 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 16.74% - 25.49% variable$00% Intro APR on Balance Transfers for 15 months, then 16.74% - 25.49% 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.
Citi ThankYou® Preferred Card
0% for 15 months, then 15.49% - 25.49%* (Variable)$0*0% for 15 months, then 15.49% - 25.49%* (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-month 0% intro APR on purchases and balance transfers
Discover it® Cash Back
0% for 14 months, then 13.99% - 24.99% Variable$00% for 14 months, then 13.99% - 24.99% 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:
14-month 0% intro APR on purchases & balance transfers; Matches your cash back at end of 1st year
NHL® Discover it®
0% for 14 months, then 13.99% - 24.99% Variable$00% for 14 months, then 13.99% - 24.99% 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 13.99% - 24.99% Variable$00% for 14 months, then 13.99% - 24.99% VariableExcellent, Good, Average2% cash back on up to $1,000 quarterly in combined purchases at gas stations and restaurants; 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.
Discover it® Balance Transfer
0% for first 6 months, then 13.99% - 24.99% Variable$00% for 18 months, then 13.99% - 24.99% 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
Citi® Double Cash Card
15.49% - 25.49%* (Variable)$0*0% for 18 months, then 15.49% - 25.49%* (Variable)Excellent, GoodEarn 2% cash back on all purchases (1% when you make a purchase, plus another 1% when you ​pay for the purchase)
Our Rating:
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*
Wells Fargo Propel American Express® Card
0% intro APR for 12 months, then 14.49%-26.99% (variable)$00% intro APR for 12 months, then 14.49%-26.99% (Variable)Excellent / GoodEarn 30,000 bonus points (redeemable for $300 cash back) after spending $3K in first 3 months; Earn 3X on travel, eating out and ordering in and gas station purchases - redeemable for cash back & more
Our Rating:
30,000-point bonus opportunity (worth $300 in cash); Earn 3X at gas stations, on travel (including rideshares & transit) purchases, as well as popular streaming services, eating out and ordering in; 12-month 0% intro APR on purchases & balance transfers
Blue Cash Preferred® Card from American Express
0% on purchases for 12 months, then 14.99%-25.99% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Balance Transfer APR: 0% on balance transfers for 12 months, then 14.99%-25.99% 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: 27.24% Variable
  • Penalty APR: 29.99% Variable
  • Returned Payment Fee: Up to $38
$950% on balance transfers for 12 months, then 14.99%-25.99% VariableGood, ExcellentEarn 6% cash back at US supermarkets (up to $6K), 3% back on US gas & select US dept stores; 1% back on other purchases. $200 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; $200 intro bonus; 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.
Wells Fargo Cash Wise Visa® Card
0% intro APR for 12 months, then 15.99%-26.99% (variable)$0 0% intro APR for 12 months, then 15.99%-26.99% (Variable)Excellent / GoodEarn $200 bonus after spending $1,000 on purchases in the first 3 months; earn unlimited 1.5% cash back on purchases
Our Rating:
$200 bonus opportunity; earn 1.5% cash back; 0% intro APR for 12 months on purchases and balance transfers
Capital One® VentureOne® Rewards Credit Card
0% intro on purchases for 12 months, then 13.74% - 23.74% (Variable)$013.74% - 23.74% (Variable)Excellent, Good20,000 miles (equal to $200 in travel) once you spend $1,000 on purchases within 3 months from account opening; unlimited 10x miles on hotels booked at Hotels.com/Venture, unlimited 1.25x miles on all other purchases
Our Rating:
Unlimited travel rewards combined with 0% introductory APR and no annual fee makes this a solid choice; Earn 10x points at at Hotels.com/Venture, 20,000 point bonus opportunity
Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer
0% Introductory APR on purchases for 12 billing cycles, then 15.24% - 25.24% Variable APR on purchases$00% Intro APR for 12 billing cycles for balance transfers made in the first 60 days, then 15.24% - 25.24% Variable APR on balance transfersExcellent/Good$200 online bonus after you spend at least $500 on purchases in the first 90 days of account opening; Earn 3% cash back on gas, 2% back at wholesale clubs & grocery stores up to $2,500 gas/wholesale club/grocery store quarterly purchases, 1% back on other purchases
Our Rating:
$200 online cash rewards bonus offer; 3% on gas, 2% at wholesale clubs and grocery stores; introductory 0% APR offer for 12 billing cycles
Susan G. Komen® Cash Rewards Visa® credit card from Bank of America
0% Introductory APR on purchases for 12 billing cycles, then 15.24% - 25.24% Variable APR on purchases$00% Intro APR for 12 billing cycles for balance transfers made in the first 60 days, then 15.24% - 25.24% Variable APR on balance transfersExcellent/Good$200 online bonus after you spend at least $500 on purchases in the first 90 days of account opening; Earn 3% cash back on gas, 2% back at wholesale clubs & grocery stores up to $2,500 gas/wholesale club/grocery store quarterly purchases, 1% back on other purchases
Our Rating:
$200 online cash rewards bonus offer; 2% at wholesale clubs; cash 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.
Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer
0% Introductory APR on purchases for 12 billing cycles, then 16.99% - 24.99% Variable APR on purchases$016.99% - 24.99% Variable APR on balance transfersExcellent/GoodEarn 1.5 points per $1 spent on all purchases; 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
Our Rating:
Strong value of 1.5 points for every $1 in purchases plus a 0% introductory APR offer; 25,000 bonus points offer; no foreign transaction fees
Simmons Visa®
10.0% Variable$010.0% VariableExcellentVery low ongoing APR, No balance transfer fee
Our Rating:
Exceptionally low ongoing APR and no balance transfer fees
Simmons Rewards Visa® Signature
12.0% Variable$012.0% VariableExcellent1.25 points per $1 spent on all purchases
Our Rating:
Combines very low ongoing APR and no balance transfer fees with 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.

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