Low Apr Credit Cards

For credit card consumers and small businesses in search of credit card offers that revolve around maintaining the lowest long term and introductory annual percentage rates that can be applied for, the following rundown of current offers will likely prove to be your best overall bet. In addition to featuring some of the most exceptionally low annual percentage rates that a user can apply for, these low APR credit card applications are also aggregated based on their number of unique and exceptional rewards programs, bonus perks, introductory signing bonuses, and more. Those with good to excellent credit can expect to enjoy perks that not only accentuate ease of use, but come packaged with introductory perks that can extend for as long as 18 months upon signing or longer.

The credit card offers below accentuate the importance of maintaining a low annual percentage rate that can often make the difference of perfection for small business owners and first time credit card applicants looking to build a strong credit standing, with minimal risk or total investment. Read the reviews provided by users below for insight into the best cards to suit your specific needs, and you'll be able to narrow down the Low APR credit card offer that is the best for you in no time.
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BankAmericard® Credit Card

  • 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then 11.24% - 21.24% Variable APR.
  • Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies
  • No annual fee
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Zero liability fraud protection, so you're not responsible for any fraudulent charges made on your account
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0* 0% Intro APR for 18 billing cycles for balance transfers made in the first 60 days* N/A* 11.24% - 21.24% Variable APR on purchases and balance transfers None 1

Discover it® - Double Cash Back your first year

  • We'll double all the cash back you've earned at the end of your first year. So if you earned $101 cash back, we'll double it to $202—Automatically. Only for new cardmembers.*
  • 5% cash back in categories that change each quarter like gas, restaurants, home improvement stores and more—up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • 0% intro APR* on balance transfers for 18 months—then a variable purchase APR applies, currently 11.24% - 23.24%. A 3% fee applies to each transferred balance.
  • Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service.
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
  • No annual fee.* No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and you're never responsible for unauthorized purchases on your Discover card.
  • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Consumer $0 0.00% for 18 months* 0.00% for 6 months* 11.24% - 23.24% Variable* Cash Back 7

The Blue for Business® Credit Card from American Express

  • Limited Time Offer: get up to 20,000 Membership Rewards® points
  • Get 10,000 Membership Rewards® points after making your first purchase on the Card within your first 3 months of Card Membership
  • Plus, for a limited time: get an additional 10,000 Membership Rewards® points after you spend $5,000 in purchases on the Card in the first 6 months of Card Membership
  • To be eligible for this offer, your application must be received by 04/20/2016
  • Plus, get 30% more points on purchases with an annual points bonus
  • Get a low introductory APR on purchases for 9 months
  • No Annual Fee
  • Terms & Restrictions Apply
  • See Rates & Fees
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Business $0 None 0.00% for 9 months* 11.49% - 19.49% Variable Other Be the first to write one
Nordstrom Credit Card® - Credit Card
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Nordstrom Credit Card®

Make every dollar you spend with us count, at every level. You'll earn 2 points per net dollar spent at Nordstrom, Nordstrom Rack and Nordstrom.com, and every 2,000 points gets you a $20 Nordstrom Note. Earn 2 points per net dollar spent at any Nordstrom location.

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Good Credit, Above Average Credit Consumer $0* None N/A* 10.90%* - 22.9% (Variable)* Store Be the first to write one

U.S. Bank Business Edge™ Platinum

  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles
  • No annual fee*
  • Free employee cards
  • Zero fraud liability* protects you against unauthorized transactions
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Business $0* 0.00% for 12 billing cycles* 0.00% for 12 billing cycles* 10.24% - 18.24%* (Variable) None Be the first to write one

USAA Secured Card® Platinum Visa®

  • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received an discharge type of Honorable, and their eligible family members.
  • It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.
  • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
  • Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
  • Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
  • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Limited Credit Secured $35 None N/A* 10.15%-20.15% (Variable) None Be the first to write one

USAA Active Military MasterCard®

  • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received an discharge type of Honorable, and their eligible family members.
  • Earn rebates up to 1.25% on your everyday purchases.
  • Enjoy variable rates as low as 10.15% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  • Your cash rebate is awarded every January for the purchases made the previous 12 months.
  • There's no limit to the amount you can earn.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0 None N/A* 10.15%-26.15% (Variable) Cash Back Be the first to write one

USAA Rewards™ Visa®

  • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received an discharge type of Honorable, and their eligible family members.
  • Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
  • Free Travel and Retail Benefits: Get benefits like Visa® Auto Rental Collision Damage Waiver Insurance, Worldwide Automatic Travel Accident Insurance, and Warranty Manager Service.
  • Enjoy variable rates as low as 10.15% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
  • No annual fee and no minimum finance charge.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0 None N/A* 10.15%-26.15% (Variable) Flexible Options Be the first to write one

USAA Secured Card® American Express® Card

  • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received an discharge type of Honorable, and their eligible family members.
  • It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.
  • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
  • Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
  • Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
  • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Above Average Credit Partially Secured $35 None N/A* 10.15%-20.15% (Variable) None Be the first to write one
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