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, 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 21 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.

Updated 01-16-2019

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.
FeaturesBottom 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.
Discover it® Cash Back
0% for 14 months, then 14.24% - 25.24% Variable$00% for 14 months, then 14.24% - 25.24% 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 14-month 0% intro APR on purchases & balance transfers; Matches your cash back at end of 1st year
Citi Simplicity® Card - No Late Fees Ever
0%* for 12 months, then 16.24% - 26.24%* (Variable)$0*0%* for 21 months, then 16.24% - 26.24%* (Variable)Excellent, GoodSave money with a 0% intro APR on purchases and transfers, no late fees 21-month 0% intro APR on balance transfers; 12-month 0% intro APR on purchases; post-intro APR is also low
Wells Fargo Cash Wise Visa® Card
0% intro APR for 12 months, then 16.24%-27.24% (variable)$0 0% intro APR for 12 months, then 16.24%-27.24% (Variable)Excellent / GoodEarn $200 bonus after spending $1,000 on purchases in the first 3 months; earn unlimited 1.5% cash back on purchases $200 bonus opportunity; earn 1.5% cash back; 0% intro APR for 12 months on purchases and balance transfers
Bank of America® Cash Rewards credit card
0% Introductory APR on purchases for 12 billing cycles, then 16.24% - 26.24% Variable APR on purchases$00% Intro APR for 12 billing cycles for balance transfers made in the first 60 days, then 16.24% - 26.24% Variable APR on balance transfersExcellent/Good$150 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 $150 online bonus after you spend at least $500 on 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
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.
FeaturesBottom 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.
Capital One® SavorOne℠ Cash Rewards Credit Card
0% intro on purchases for 15 months, then 15.24% - 25.24% (Variable).$00% intro on balance transfers for 15 months, then 15.24% - 25.24% (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 Good pick if you dine out and shop at grocery stores frequently; $150 bonus opportunity; 15-month 0% intro APR on balance transfers & purchases
Wells Fargo Platinum Visa® Card
0% intro APR for 18 months, then 13.74%-27.24% (variable)$00% intro APR 18 months, then 13.74%-27.24% (Variable)Excellent / Good0% intro APR on balance transfers and purchases 0% intro APR for 18 months on purchases and balance transfers, mobile phone protection
Capital One® Quicksilver® Cash Rewards Credit Card
0% intro on purchases for 15 months, then 15.24% - 25.24% (Variable)$00% intro on balance transfers for 15 months, then 15.24% - 25.24% (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 1.5% cash back on all purchases; 15-month 0% intro APR on purchases & balance transfers; $150 bonus opportunity
HSBC Gold Mastercard® credit card
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.
  • Foreign Transaction Fee: None.
  • Terms and Conditions
$00% 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 PeriodGood, Excellent0% intro APR on balance transfers and purchases 18-month 0% intro APR on both purchases and balance transfers; no foreign transaction fees and no penalty APR.
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.
FeaturesBottom 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.
U.S. Bank Visa® Platinum Card
0%* for 18 billing cycles, then 14.74% - 25.74%* (Variable)
Additional Rates & Fees
Additional Rates & Fees
  • Annual Fee: $0*
  • Purchase APR: 0%* for 18 billing cycles, then 14.74% - 25.74%* (Variable), depending on credit history.
  • Balance Transfer APR: 0%* intro on BTs for 18 billing cycles on Balance Transfers* made in the first 60 days, then 14.74% - 25.74%* (Variable).
  • Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
  • *Terms and Conditions
$0*0%* intro on BTs for 18 billing cycles on Balance Transfers* made in the first 60 days, then 14.74% - 25.74%* (Variable)Excellent CreditSave money with a 0% intro APR on purchases and balance transfers 18-month 0% intro APR on purchases and balance transfers, requires excellent credit
BankAmericard® credit card
0% Introductory APR on purchases for 18 billing cycles, then 15.24% - 25.24% Variable APR on purchases$00% Intro APR for 18 billing cycles for balance transfers made in the first 60 days, then 15.24% - 25.24% Variable APR on balance transfersExcellent/Good0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days, then 15.24% - 25.24% Variable APR on balance transfers. 0% Introductory APR for 18 billing cycles on purchases and qualifying balance transfers
Discover it® Balance Transfer
0% for first 6 months, then 14.24% - 25.24% Variable$00% for 18 months, then 14.24% - 25.24% VariableExcellent, Good, Average5% cash back on purchases within select categories up to the quarterly maximum (signup required); unlimited 1% on all other purchases Combines an 18-month 0% intro APR on balance transfers with cash back rewards; Double your cash back at end of 1st year
Chase Freedom Unlimited®
0% Intro APR on Purchases for 15 months, then 16.99% - 25.74% variable$00% Intro APR on Balance Transfers for 15 months, then 16.99% - 25.74% Variable GoodEarn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening, Unlimited 1.5% cash back 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.
FeaturesBottom 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.
Citi Rewards+ Card
0% intro APR on Purchases for 12 months, then 15.74% - 25.74% (Variable)$00% intro APR on Balance Transfers for 12 months, then 15.74% - 25.74% (Variable)Excellent, GoodEarn 15,000 bonus points after spending $1,000 on purchases within 3 months of account opening; pay 0% intro APR for 12 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. 15,000-point bonus opportunity; 0% intro APR on balance transfers and purchases for 12 months; Earn 2X points at supermarkets and gas stations — plus, points automatically round up to the nearest 10 on every purchase.
Citi® Double Cash Card
15.74% - 25.74%* (Variable)$0*0% for 18 months, then 15.74% - 25.74%* (Variable)Excellent, GoodEarn 2% cash back on all purchases (1% when you make a purchase, plus another 1% when you ​pay for the purchase) 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*
Blue Cash Everyday® Card from American Express
0% on purchases for 15 months, then 15.24%-26.24% Variable
Additional Rates & Fees
Additional Rates & Fees
  • Balance Transfer APR: 0% on balance transfers for 15 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
$00% on balance transfers for 15 months, then 15.24%-26.24% 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. $150 bonus; 15-month 0% intro APR on both balance transfers and purchases; Solid all-around cash back card. Terms apply.
Capital One® VentureOne® Rewards Credit Card
0% intro on purchases for 12 months, then 14.24% - 24.24% (Variable)$014.24% - 24.24% (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 Unlimited travel rewards combined with 0% introductory APR and no annual fee makes this a solid choice; Earn 10X miles at at Hotels.com/Venture, 20,000-mile 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.
FeaturesBottom 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.
Chase Freedom®
0% Intro APR on Purchases for 15 months, then 16.99% - 25.74% variable$00% Intro APR on Balance Transfers for 15 months, then 16.99% - 25.74% 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. Excellent combination of cash back rewards and 0% intro APR; $150 Bonus opportunity
Blue Cash Preferred® Card from American Express
0% on purchases for 12 months, then 15.24%-26.24% Variable
Additional Rates & Fees
Additional Rates & Fees
  • 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
$950% on balance transfers for 12 months, then 15.24%-26.24% VariableGood, ExcellentEarn 6% cash back at U.S. supermarkets (up to $6,000), 3% back at U.S. gas stations and 1% back on other purchases. $200 intro bonus after spending $1,000 in first 3 months. Terms apply. 6% cash back at U.S. supermarkets on up to $6,000 in purchases; $200 intro bonus; Terms apply.
Wells Fargo Propel American Express® Card
0% intro APR for 12 months, then 14.74%-27.24% (variable)$00% intro APR for 12 months, then 14.74%-27.24% (Variable)Excellent / GoodEarn 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 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
Discover it® chrome
0% for 14 months, then 14.24% - 25.24% Variable$00% for 14 months, then 14.24% - 25.24% VariableExcellent, Good, Average2% cash back on up to $1,000 quarterly in combined purchases at gas stations and restaurants; 1% on all other purchases 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.
FeaturesBottom 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.
Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer
0% Introductory APR on purchases for 12 billing cycles, then 17.24% - 25.24% Variable APR on purchases$017.24% - 25.24% 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 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
NHL® Discover it®
0% for 14 months, then 14.24% - 25.24% Variable$00% for 14 months, then 14.24% - 25.24% VariableExcellent, Good, Average5% cash back on purchases within select categories up to the quarterly maximum (signup required); 1% on all other purchases Double your cash back at end of 1st year; 14-month 0% intro APR on purchases & 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.


About Us Blog Contact Us Terms & Privacy Policy Site Map
Copyright© 2006 - 2019 NextAdvisor.com - All rights reserved.

Advertiser Disclosure: NextAdvisor is a consumer information site that offers free reviews and ratings of online services. Many of the companies whose services we review provide us compensation when someone who clicks from our site becomes their customer. This is how we make money to support our site. The results of our analyses, calculators, reviews and ratings are based on objective quantitative and qualitative evaluation of all the cards on our site and are not affected by any compensation NextAdvisor may receive. Compensation may impact which products we review and write about and where those products appear. We do not review all products in a given category. All opinions expressed on this site are our own.

Advertisement