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Low APR Credit Cards
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Credit cards listed in the Low APR section offer lower rates than most competitors.

 

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BankAmericard® Visa® Card

  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% variable APR
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Our $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account
  • Chip technology for enhanced security at chip-enabled merchant terminals

Credit TargetTypeAnnual FeeBT Intro APR Purchase Intro APRRegular APRGrace PeriodRewardsReviews
ExcellentConsumer$00.00% for 15 Billing Cycles For Qualifying Balance Transfers*0.00% for 15 Billing Cycles*10.99% - 20.99% Variable* on purchases & balance transfers25 DaysNoneBe the first to write one



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BankAmericard Cash Rewards™ Credit Card

  • Online-exclusive $100 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on purchases everywhere, every time
  • 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases each quarter
  • No annual fee
  • No changing categories and your rewards do not expire
  • Bank of America customers: Get an ongoing 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% variable APR

Credit TargetTypeAnnual FeeBT Intro APR Purchase Intro APRRegular APRGrace PeriodRewardsReviews
ExcellentConsumer$00.00% for 12 Billing Cycles For Qualifying Balance Transfers*0.00% for 12 Billing Cycles*12.99% - 22.99% Variable* on purchases & balance transfers25 DaysCash Back3



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Discover it®

  • 0% intro APR on balance transfers for 18 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power*.
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements*.
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • *+See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

Credit TargetTypeAnnual FeeBT Intro APR Purchase Intro APRRegular APRGrace PeriodRewardsReviews
ExcellentConsumer$00.00% for 18 Months*0.00% for 6 Months*10.99% - 22.99% Variable*25 DaysCash Back4



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Discover it®

  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power*.
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements*.
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S.- based customer service—anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

Credit TargetTypeAnnual FeeBT Intro APR Purchase Intro APRRegular APRGrace PeriodRewardsReviews
ExcellentConsumer$00.00% for 14 Months*0.00% for 14 Months*10.99% - 22.99% Variable*25 DaysCash Back3



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U.S. Bank Business Edge™ Cash Rewards Card

  • 3% cash back on all cellular, gas and office supply store net purchases
  • 1% cash back on all other net purchases
  • No cap on rewards and they never expire!
  • Plus, a 25% Annual Cash Rewards bonus, up to $250
  • No annual fee

Credit TargetTypeAnnual FeeBT Intro APR Purchase Intro APRRegular APRGrace PeriodRewardsReviews
ExcellentBusiness$0N/A*0.00% for 9 Billing Cycles*11.99% - 17.99%* (Variable)24-30 DaysCash BackBe the first to write one



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SKYPASS Visa® Signature Credit Card

  • Get up to 15,000 Bonus Miles after your first purchase.
  • Earn 1 mile for every $1 you spend in net purchases
  • Double Miles on Korean Air ticket purchases.
  • Redeem miles for award travel and upgrades on any SkyTeam partner, including Korean Air and domestic carriers such as Alaska Airlines and Delta Air Lines

Credit TargetTypeAnnual FeeBT Intro APR Purchase Intro APRRegular APRGrace PeriodRewardsReviews
GoodConsumer$80*N/A*N/A*12.99% - 19.99%* (Variable)See Terms*AirlinesBe the first to write one



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Sam's Club® Advantage Member Credit Card

A personal credit account for all your Sam's Club purchases:


  • No Annual Fee
  • Zero fraud liability - protected with your photo
  • In-Club cash access up to $60
  • Special financing promotions
  • One-card Convenience - your Membership card is your credit card

Credit TargetTypeAnnual FeeBT Intro APR Purchase Intro APRRegular APRGrace PeriodRewardsReviews
GoodConsumer$0*N/A*N/A*12.37% - 22.40%*20 DaysNone7



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Nationwide Bank® Visa® Credit Card


  • 0% introductory APR on credit card purchases and balance transfers for 6 billing cycles from account opening
  • 0% for 12 billing cycles on automotive repair purchases from date of repair purchase
  • 1% cash-back rebates on all purchases each month
  • No annual fee
  • 24-hour online account management
  • 24-hour credit card customer service

Credit TargetTypeAnnual FeeBT Intro APR Purchase Intro APRRegular APRGrace PeriodRewardsReviews
GoodConsumer$0*N/A*0.00% for 6 Billing Cycles*11.24% - 19.24%*25 DaysCash Back4



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Discover it® for Students with $20 Cashback Bonus

  • Experience our cash rewards with $20 Cashback Bonus® after you make your first purchase within 3 months of approval*.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR*.
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements*.
  • Talk to a real person any time with 100% U.S.-based service.
  • Looks out for you-since each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases*.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

Credit TargetTypeAnnual FeeBT Intro APR Purchase Intro APRRegular APRGrace PeriodRewardsReviews
Fair, Above AverageStudent$0N/A*N/A*12.99%-21.99% Variable*25 DaysCash Back1



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Wells Fargo® Visa® Platinum Card

This popular credit card offers no annual card fee and introductory purchase APRs as low as 0%. Once you receive your new credit card, you can customize the design using the Wells Fargo Card Design StudioSM service. Showcase what's truly important to you, from snapshots of family and pets to photos of a favorite hobby.

Credit TargetTypeAnnual FeeBT Intro APR Purchase Intro APRRegular APRGrace PeriodRewardsReviews
GoodConsumer$0*3.90% for 6 Billing Cycles*0.00% for 6 Billing Cycles*10.15% - 22.15%*25 DaysNone11



 

 

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* Disclaimer: Please see the credit card application for details about the offer as well as the terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

 



 

 

 

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