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 06-20-2018
Low APR Credit Cards Comparison Chart
| Name & Card | Purchase APR | Annual Fee | Balance Transfer APR | Credit 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.
| Features | Our 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.
|
|---|---|---|---|---|---|---|
| U.S. Bank Visa® Platinum Card | ||||||
|
0%* for 20 billing cycles on purchases and balance transfers*, then 11.74% - 23.74%* (Variable) Additional Rates & Fees
Additional Rates & Fees
| $0* | 0%* intro on BTs for 20 months for transfers made in the first 60 days, then 11.74% - 23.74%* (Variable) | Excellent | Save money with a 0% intro APR on purchases and transfers |
Our Rating:
20-month 0% intro APR on purchases and balance transfers, low ongoing APR, requires excellent credit  |
| Wells Fargo Platinum Visa® Card | ||||||
|
0% intro APR for 18 months, then 16.90%-26.74% (variable) | $0 | 0% intro APR 18 months, then 16.90%-26.74% (Variable) | Excellent / Good | 0% intro APR on balance transfers and purchases |
Our Rating:
0% intro APR for 18 months on purchases and balance transfers, mobile phone protection |
| Citi Simplicity® Card - No Late Fees Ever | ||||||
|
0%* for 18 months, then 15.74% - 25.74%* (Variable) | $0* | 0%* for 18 months, then 15.74% - 25.74%* (Variable) | Excellent, Good | Save money with a 0% intro APR on purchases and transfers, no late fees |
Our Rating:
18-month 0% intro APR on both purchases and balance transfers, no late fees but higher than usual 5% balance transfer fee. |
| The Amex EveryDay® Credit Card from American Express | ||||||
|
0% on purchases for 15 months, then 14.74%-25.74% Variable Additional Rates & Fees
Additional Rates & Fees
| $0 | 0% on balance transfers for 15 months, then 14.74%-25.74% Variable | Good, Excellent | $0 intro balance transfer fee during first 60 days your account is open; 0% intro APR on purchases and transfers, solid ongoing rewards. Terms apply. |
Our Rating:
Our top-rated card for balance transfers combines a 15-month 0% intro APR on purchases & balance transfers with a $0 intro balance transfer fee; enjoy Amex benefits without the annual fee and the potential to earn 20% more points. Terms apply. |
| Name & Card | Purchase APR | Annual Fee | Balance Transfer APR | Credit 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.
| Features | Our 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.
|
| Blue Cash Everyday® Card from American Express | ||||||
|
0% on purchases for 15 months, then 14.74%-25.74% Variable Additional Rates & Fees
Additional Rates & Fees
| $0 | 0% on balance transfers for 15 months, then 14.74%-25.74% Variable | Good, Excellent | Earn 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 14.49% - 24.49% (Variable) | $0 | 0% intro on balance transfers for 15 months, then 14.49% - 24.49% (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 |
| Capital One® Savor® Cash Rewards Credit Card | ||||||
|
0% intro on purchases for 15 months, then 15.99% - 24.74% (Variable). | $0 | 0% intro on balance transfers for 15 months, then 15.99% - 24.74% (Variable) | Excellent, Good | Earn 3% back on dining out, 2% back on groceries, 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 eat out and buy groceries frequently; $150 bonus opportunity; 15-month 0% intro APR on balance transfers & purchases |
| BankAmericard® Credit Card | ||||||
|
0% Introductory APR on purchases for 15 billing cycles, then 14.49% - 24.49% Variable APR on purchases | $0.00 | 0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days, then 14.49% - 24.49% Variable APR on balance transfers | Excellent/Good | 0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days, then 14.49% - 24.49% Variable APR on balance transfers. |
Our Rating:
0% intro APR on purchases and qualifying balance transfers for 15 billing cycles |
| Name & Card | Purchase APR | Annual Fee | Balance Transfer APR | Credit 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.
| Features | Our 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® Diamond Preferred® Card – 21 Month Balance Transfer Offer | ||||||
|
0%* for 12 months, then 14.74% - 24.74%* (Variable) | $0* | 0%* for 21 months, then 14.74% - 24.74%* (Variable) | Excellent, Good | Save money with a 0% intro APR on purchases and transfers |
Our Rating:
21-month 0% intro APR on balance transfers; 12-month 0% intro APR on purchases; post-intro APR is also low; slightly higher than usual balance transfer fee |
| Chase Freedom® - $150 Bonus | ||||||
|
0% Intro APR on Purchases for 15 months, then 16.49% - 25.24% variable | $0 | 0% Intro APR on Balance Transfers for 15 months, then 16.49% - 25.24% Variable | Good | 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. 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 16.49% - 25.24% variable | $0 | 0% Intro APR on Balance Transfers for 15 months, then 16.49% - 25.24% Variable | Good | Earn 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 |
| Citi ThankYou® Preferred Card | ||||||
|
0% for 15 months, then 15.24% - 25.24%* (Variable) | $0* | 0% for 15 months, then 15.24% - 25.24%* (Variable) | Excellent | 2 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  |
| Name & Card | Purchase APR | Annual Fee | Balance Transfer APR | Credit 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.
| Features | Our 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® Cash Back | ||||||
|
0% for 14 months, then 13.49% - 24.49% Variable | $0 | 0% for 14 months, then 13.49% - 24.49% Variable | Excellent, Good, Average | 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 |
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 13.49% - 24.49% Variable | $0 | 0% for 14 months, then 13.49% - 24.49% Variable | Excellent, Good, Average | 5% 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 13.49% - 24.49% Variable | $0 | 0% for 14 months, then 13.49% - 24.49% Variable | Excellent, Good, Average | 2% cash back on up to $1,000 quarterly in combined purchases on restaurants & gas; 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 |
| Discover it® Balance Transfer | ||||||
|
0% for first 6 months, then 13.49% - 24.49% Variable | $0 | 0% for 18 months, then 13.49% - 24.49% Variable | Excellent, Good, Average | 5% 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 |
| Name & Card | Purchase APR | Annual Fee | Balance Transfer APR | Credit 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.
| Features | Our 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® Double Cash Card | ||||||
|
15.24% - 25.24%* (Variable) | $0* | 0% for 18 months, then 15.24% - 25.24%* (Variable) | Excellent, Good | Earn 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-mo 0% intro APR on balance transfers* |
| Blue Cash Preferred® Card from American Express | ||||||
|
0% on purchases for 12 months, then 14.74%-25.74% Variable Additional Rates & Fees
Additional Rates & Fees
| $95 | 0% on balance transfers for 12 months, then 14.74%-25.74% Variable | Good, Excellent | Earn 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. |
| Wells Fargo Cash Wise Visa® Card | ||||||
|
0% intro APR for 12 months, then 14.74%-26.74% (variable) | $0 | 0% intro APR for 12 months, then 14.74%-26.74% (Variable) | Excellent / Good | Earn $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 13.49% - 23.49% (Variable) | $0 | 13.49% - 23.49% (Variable) | Excellent, Good | 20,000 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 1.5x 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 |
| Name & Card | Purchase APR | Annual Fee | Balance Transfer APR | Credit 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.
| Features | Our 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® Cash Rewards Credit Card | ||||||
|
0% Introductory APR on purchases for 12 billing cycles, then 14.74% - 24.74% Variable APR on purchases | $0.00 | 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days, then 14.74% - 24.74% Variable APR on balance transfers | Excellent/Good | $150 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 spend, 1% back on other purchases |
Our Rating:
3% on gas, 2% back at wholesale clubs and grocery stores; $150 online cash rewards bonus offer; 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 14.49% - 24.49% Variable APR on purchases | $0.00 | 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days, then 14.49% - 24.49% Variable APR on balance transfers | Excellent/Good | $150 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 spend, 1% back on other purchases |
Our Rating:
2% back at wholesale clubs; $150 online cash rewards bonus offer; cash back rewards card that contributes to breast cancer cause |
| Bank of America® Travel Rewards Credit Card | ||||||
|
0% Introductory APR on purchases for 12 billing cycles, then 16.49% - 24.49% Variable APR on purchases | $0.00 | 16.49% - 24.49% Variable APR on balance transfers | Excellent/Good | Earn 1.5 points per $1 spent on all purchases; 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $200 statement credit toward travel purchases |
Our Rating:
Strong value of 1.5 points for every $1 in purchases plus an Introductory APR offer; 20,000 bonus points offer; no foreign transaction fees |
| Simmons Visa® | ||||||
|
9.75% Variable | $0 | 9.75% Variable | Excellent | Very low ongoing APR, No balance transfer fee |
Our Rating:
Exceptionally low ongoing APR and no balance transfer fees |
| Name & Card | Purchase APR | Annual Fee | Balance Transfer APR | Credit 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.
| Features | Our 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.
|
| Barclaycard Ring™ Mastercard® | ||||||
|
10.49% Variable | $0 | 10.49% Variable | Excellent | No balance transfer fees, users help manage card program and participate in profits |
Our Rating:
No balance transfer fee and low ongoing APR; includes a unique profit sharing program |
| Simmons Rewards Visa® Signature | ||||||
|
12% Variable | $0 | 12% Variable | Excellent | 1.25 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.
*See credit card application page for additional details.
