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. 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 21 months, the longest 0% APR we've seen since we've been reviewing credit cards. 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 you.

Name
& Card
Purchase
APR
Balance
Transfer APR
Ongoing
APR
Annual
Fee
Credit
Needed
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.
Updated 11-16-2017
Citi Simplicity® Card - No Late Fees Ever
0%* for 21 months on Purchases* 0%* for 21 months on Balance Transfers* 14.99% - 24.99% (Variable) $0* Excellent, Good
21-month 0% intro APR on both purchases and balance transfers, no late fees
Apply Now
BankAmericard® Credit Card
0% Introductory APR on purchases for 15 billing cycles 0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days 12.99% - 22.99% (Variable) $0.00 Excellent/Good
Our top-rated card for balance transfers combines a $0 intro balance transfer fee during the first 60 days account is open (then 3%, min $10) with a 0% intro APR on purchases and qualifying balance transfers for 15 billing cycles
Apply Now
Citi® Diamond Preferred® Card – 21 Month Intro Offer on BT and Purchases
0%* for 21 months on Purchases* 0%* for 21 months on Balance Transfers* 13.99% - 23.99%* (Variable) $0* Excellent, Good
21-month 0% intro APR on both purchases and balance transfers; post-intro APR is also low
Apply Now
Name
& Card
Purchase
APR
Balance
Transfer APR
Ongoing
APR
Annual
Fee
Credit
Needed
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 18 months 0% for 18 months 10.99% - 22.99%* (Variable) None Excellent
18-month 0% intro APR on purchases and balance transfers
Apply Now
HSBC Gold Mastercard® credit card
0% Introductory APR on credit card purchases for the first 18 months from account opening
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 Variable APR of 11.99%, 15.99% or 19.99% will apply after the Introductory Period.
  • Balance Transfer APR: 0% Introductory APR on balance transfers for the first 18 months from account opening, then Variable APR of 11.99%, 15.99% or 19.99% will apply after the Introductory Period.
  • Balance Transfer Fee: Either $10 or 4%, whichever is greater.
  • Foreign Transaction Fee: None.
  • Terms and Conditions
0% Introductory APR on balance transfers for the first 18 months from account opening Variable APR of 11.99%, 15.99% or 19.99% will apply after the Introductory Period $0 Good, Excellent
18-month 0% intro APR on both purchases and balance transfers
Apply Now
Wells Fargo Platinum Visa® Card
0% intro APR for 18 months 0% intro APR for 18 months 16.15%-25.99% (variable) $0 Excellent / Good
0% intro APR for 18 months on purchases and balance transfers
Apply Now
Name
& Card
Purchase
APR
Balance
Transfer APR
Ongoing
APR
Annual
Fee
Credit
Needed
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.
Chase Slate®
0% Intro APR for 15 months 0% Intro APR for 15 months 15.99% - 24.74% variable $0 Good
Great choice for balance transfers; $0 intro balance transfer fee, 0% intro APR on purchases & transfers for 15 months
Apply Now
Blue Cash Everyday® Card from American Express
0% on Purchases for 15 months
Additional Rates & Fees
Additional Rates & Fees
  • Balance Transfer APR: 0% on Balance Transfers for 15 months, then 13.99%-24.99% 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: 26.24% Variable
  • Penalty APR: 29.99% Variable
  • Returned Payment Fee: Up to $38.
0% on Balance Transfers for 15 months 13.99%-24.99% Variable $0 Excellent, Good
$150 bonus; 15-month 0% intro APR on both balance transfers and purchases; Solid all-around cash back card. Terms apply.
Apply Now
Chase Freedom® - $150 Bonus
0% Intro APR on Purchases for 15 months 0% Intro APR on Balance Transfers for 15 months 15.99% - 24.74% variable $0 Good
Excellent combination of cash back rewards and 0% intro APR; $150 Bonus opportunity
Apply Now
Name
& Card
Purchase
APR
Balance
Transfer APR
Ongoing
APR
Annual
Fee
Credit
Needed
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.
Chase Freedom Unlimited®
0% Intro APR on Purchases for 15 months 0% Intro APR on Balance Transfers for 15 months 15.99% - 24.74% variable $0 Good
Unlimited 1.5% cash back; 0% Intro APR on Purchases and balance transfers for 15 months; $150 Bonus opportunity
Apply Now
Discover it® - Cashback Match™
0% for 14 months 0% for 14 months 11.99% - 23.99% Variable $0 Excellent, Good, Average
Matches your cash back at end of 1st year; 14-month 0% intro APR on purchases & balance transfers.
Apply Now
NHL® Discover it® Card
0% for 14 months 0% for 14 months 11.99% - 23.99% Variable $0 Excellent, Good, Average
Double your cash back at end of 1st year; 14-month 0% intro APR on purchases & balance transfers.
Apply Now
Name
& Card
Purchase
APR
Balance
Transfer APR
Ongoing
APR
Annual
Fee
Credit
Needed
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® chrome
0% for 14 months 0% for 14 months 11.99% - 23.99% Variable $0 Excellent, Good, Average
Double your cash back at end of 1st year; Cash back rewards without registering quarterly; 14-month 0% intro APR on purchases & balance transfers
Apply Now
Discover it® - 18 Month Balance Transfer Offer
0% for first 6 months 0% for 18 months 11.99% - 23.99% Variable $0 Excellent, Good, Average
Combines an 18-month 0% intro APR on balance transfers with cash back rewards; Double your cash back at end of 1st year
Apply Now
Citi® Double Cash Card
14.49% - 24.49%* (Variable) 0%* for 18 months on Balance Transfers* 14.49% - 24.49%* (Variable) $0* Excellent, Good
1% cash back when you buy PLUS 1% back when you pay = 2x cash back on all purchases; the highest standard cashback rate of all cards we review; 18-mo 0% APR on balance transfers
Apply Now
Name
& Card
Purchase
APR
Balance
Transfer APR
Ongoing
APR
Annual
Fee
Credit
Needed
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 Preferred® Card from American Express
0% on Purchases for 12 months
Additional Rates & Fees
Additional Rates & Fees
  • Balance Transfer APR: 0% on Balance Transfers for 12 months, then 13.99%-24.99% 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: 26.24% Variable
  • Penalty APR: 29.99% Variable
  • Returned Payment Fee: Up to $38.
0% on Balance Transfers for 12 months 13.99%-24.99% Variable $95 Excellent, Good
6% cash back at U.S. supermarkets on up to $6K in purchases; $200 intro bonus; Terms apply.
Apply Now
Wells Fargo Cash Wise Visa® Card
0% intro APR for 12 months 0% intro APR for 12 months 13.99%-25.99% (variable) $0 Excellent / Good
$200 bonus opportunity; earn 1.5% cash back; 0% intro APR for 12 months on purchases and balance transfers
Apply Now
Wells Fargo Propel American Express® Card
0% intro APR for 12 months 0% intro APR for 12 months 13.99%-25.99% (variable) $0 Excellent / Good
$200 bonus opportunity; flexible reward redemption options including cash back; 10% ongoing bonus and rewards program makes this an especially good choice for Wells Fargo customers
Apply Now
Name
& Card
Purchase
APR
Balance
Transfer APR
Ongoing
APR
Annual
Fee
Credit
Needed
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.
GM BuyPower Card from Capital One® -Get The Card That Helps You Get The Car
0% intro on purchases for 12 months 13.90% - 23.90% (V) $0 Excellent,Good
If you're in the market for a Chevrolet, Buick, GMC or Cadillac, this card will help get you in the driver's seat
Apply Now
Capital One® VentureOne® Rewards Credit Card
0% intro on purchases for 12 months 12.99% - 22.99% (Variable) 12.99% - 22.99% (Variable) $0 Excellent, Good
Unlimited travel rewards combined with 0% introductory APR and no annual fee makes this a solid choice; 20,000 point bonus opportunity
Apply Now
Bank of America® Cash Rewards Credit Card
0% Introductory APR on purchases for 12 billing cycles 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days 13.99% - 23.99% (Variable) $0.00 Excellent/Good
2% back at wholesale clubs; $150 online cash rewards bonus offer; introductory 0% APR offer for 12 billing cycles
Apply Now
Name
& Card
Purchase
APR
Balance
Transfer APR
Ongoing
APR
Annual
Fee
Credit
Needed
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.
Susan G. Komen® Credit Card
0% Introductory APR on purchases for 12 billing cycles 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days 13.99% - 23.99% (Variable) $0.00 Excellent/Good
2% back at wholesale clubs; $150 online cash rewards bonus offer; cash back rewards card that contributes to breast cancer cause
Apply Now
Citi ThankYou® Preferred Card
0%* intro on purchases for 15 months on Purchases 0%* for 15 months on Balance Transfers 14.49% - 24.49%* (Variable) $0* Excellent
Earn rewards to spend on cash, travel and more; 15-month 0% intro APR on purchases and balance transfers
Apply Now
Bank of America® Travel Rewards Credit Card
0% Introductory APR on purchases for 12 billing cycles 15.99% - 23.99% Variable APR on balance transfers 15.99% - 23.99% (Variable) $0.00 Excellent/Good
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
Apply Now
Name
& Card
Purchase
APR
Balance
Transfer APR
Ongoing
APR
Annual
Fee
Credit
Needed
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.
Capital One® Savor℠ Cash Rewards Credit Card
0% intro on purchases for 9 months 0% intro on balance transfers for 9 months 15.49% - 24.49% (Variable) $0 Excellent, Good
Good pick if you eat out and buy groceries frequently; $150 bonus opportunity
Apply Now
Simmons First Visa® Platinum
8.00% Variable 8.00% Variable 8.00% Variable $0 Excellent
Exceptionally low ongoing APR and no balance transfer fees
Simmons First Visa® Platinum Rewards
10.00% Variable 10.00% Variable 10.00% Variable $0 Excellent
Combines very low ongoing APR and no balance transfer fees with travel 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.


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