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 04-17-2019

Low APR Credit Cards Comparison Chart

Name & CardPurchase APRAnnual FeeBalance Transfer APRCredit Needed
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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
Wells Fargo Platinum Visa card
0% intro APR for 18 months, then 17.74%-27.24% (variable)$00% intro APR 18 months, then 17.74%-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 16.24% - 26.24% (Variable)$00% intro on balance transfers for 15 months, then 16.24% - 26.24% (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
Capital One® SavorOne℠ Cash Rewards Credit Card
0% intro on purchases for 15 months, then 16.24% - 26.24% (Variable).$00% intro on balance transfers for 15 months, then 16.24% - 26.24% (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
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 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%-28.24% (variable)$0 0% intro APR for 12 months, then 16.24%-28.24% (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
Chase Freedom Unlimited®
0% Intro APR on Purchases for 15 months, then 17.24% - 25.99% variable$00% Intro APR on Balance Transfers for 15 months, then 17.24% - 25.99% Variable GoodEarn 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. 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
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 any 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 any 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
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® 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*
HSBC Gold Mastercard® credit card
0% Introductory APR on credit card purchases for the first 15 months from account opening, then a Variable APR of 14.24%, 20.24% or 25.24% 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 15 months from account opening, then a Variable APR of 14.24%, 20.24% or 25.24% will apply after the Introductory Period.
  • Balance Transfer APR: 0% Introductory APR on balance transfers for the first 15 months from account opening, then a Variable APR of 14.24%, 20.24% or 25.24% 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 15 months from account opening, then a Variable APR of 14.24%, 20.24% or 25.24% will apply after the Introductory PeriodGood, Excellent0% intro APR on balance transfers and purchases 15-month 0% intro APR on both purchases and balance transfers; no foreign transaction fees and no penalty APR.
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; 12-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.
Chase Freedom®
0% Intro APR on Purchases for 15 months, then 17.24% - 25.99% variable$00% Intro APR on Balance Transfers for 15 months, then 17.24% - 25.99% 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
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® 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 any balance transfers made in the first 60 days, then 16.24% - 26.24% Variable APR on balance transfersExcellent/Good$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 $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

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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