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
  • $0 Liability Guarantee, 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 Be the first to write one

Discover it® - 18 Month Balance Transfer Offer

  • You could turn $200 into $400 with Cashback Match™. We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO® Credit Scores for free on statements and online.
  • No annual fee.
  • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & 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 10
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* N/A* N/A* 10.90%* - 22.9% (Variable)* Store 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 a 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 $0 1 N/A* N/A* 10.15%-20.15% (Variable) None 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 a 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 N/A* N/A* 10.15%-26.15% (Variable) Flexible Options 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 Military Affiliate Card

  • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
  • Special Offer: 0% Intro APR for 12 months on balance transfers that post within the first three months. After 12 months, the 11.15% to 26.15% variable regular APR will apply.
  • Show your military pride while supporting the affiliate group of your choice.
  • Get 2,500 bonus points after you make your first purchase.
  • Redeem your USAA Rewards points towards cash, gift cards, name brand merchandise and travel with no blackout date.
  • No annual fee and no minimum finance charge.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Above Average Credit, Fair Credit Consumer $0 1 0.00% for 12 months* N/A* 11.15%-26.15% (Variable) None 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 a 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 $0 1 N/A* N/A* 10.15%-20.15% (Variable) None Be the first to write one

Bank of America® WorldPoints® Travel Rewards for Business Visa® credit card

  • Get a $100 statement credit after $500 in purchases within 60 days of account opening – with no international transaction fee, no annual fee, and no limit to the points you can earn
  • Earn 1.5 WorldPoints rewards points for every $1 on all purchases and 5,000 bonus points after the first purchase on your account
  • Earn 3 points for every $1 spent for travel booked through Bank of America's Travel Center
  • Redeem points for gift cards, cash, and travel with no blackout dates
  • Enjoy travel benefits such as lost luggage reimbursement, travel accident insurance, and auto rental collision coverage.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Business $0* N/A* 0.00% for 9 billing cycles* 11.49% - 21.49% Variable APR on purchases and balance transfers Airlines Be the first to write one
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