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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nRewards® Credit Card

  • 1 point per net dollar spent*
  • Redeem rewards for gift cards or merchandise
  • Rewards Expiration: 4 years from date earned
  • Rewards Limit: None
  • Start Redeeming: 1,000 points
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 As low as 10.99%* (Variable)* Other 6

Platinum Edition® Visa® Card

  • No Annual Fee.*
  • 0% INTRODUCTORY APR* for the first 15 billing cycles on balance transfers. After that, a variable APR based on the Prime Rate between 11.99% and 19.99% APR depending on your creditworthiness
  • $25 statement credit when you make a purchase within the first 3 billing cycles.*
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 11.99%* - 19.99% (Variable)* None 1

cashRewards Visa®

Rewards

When you open a cashRewards account,* you'll earn 1.5% Cash Back on purchases*

Visa Signature® Perks Details:

  • Rewards Expiration: Never while the account is open
  • Rewards Limit: None
  • Start Redeeming: Anytime once earned
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 As low as 11.65%* (Variable)* Cash Back 3

Harvard Alumni World MasterCard®

Not only does The Harvard Alumni Card give you elite travel rewards and high value cardholder benefits such as no annual fee and no foreign transaction fees, it also offers rewards exclusive to Harvard University. With such strong ties to Harvard, it only made sense to give back. That’s why the The Harvard Alumni Card provides support for financial aid programs.

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 11.74%* - 18.00% (Variable)* Other 2

Simmons Visa®

  • Global Acceptance - Use your card anywhere VISA is accepted for purchases, 24-hour cash from ATMs and cash advances.*
  • Travel Coverage - Get up to $1,000,000 travel accident insurance at no additional cost*
  • Car Rental Coverage - Get coverage for damage due to collision or theft up to the actual cash value of most rental cars.*
  • At Your Service - 24-hour customer service representatives are always there to help.
  • No balance transfer fee*
  • No Annual Fee*
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Consumer $0 None N/A 7.50% (Variable) None 2

AmaZing Rate®

 

  • 0% intro APR for the first 6 months on all new purchases and only 11.49% to 17.49% variable APR after that*
  • 0% intro APR on balance transfers for 12 months and only 11.49% to 17.49% variable APR after that. 3% fee, $10 minimum*
  • Get instant savings or cash back on purchases at more than 1,500 participating merchants with Zions AmaZing Deals®
  • React to fraud fast with a simple text reply. Our Mobile Fraud Alert Service automatically sends you a text when suspicious activity is detected on your Visa® or MasterCard® credit or debit card.
  • Monitor your account activity in virtually real-time while Purchase Alerts notify you on your mobile phone when preset Visa credit or debit card account conditions are triggered*
  • Customize your card with your own image or photo with myPHOTOcard®
  • Zero Liability* helps protect you from liability for unauthorized purchases made with your low rate credit card or account information
  • No annual fee

 

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 11.49%* - 17.49% (Variable)* None Be the first to write one

Navy Federal More Rewards American Express® Card

  • When you open a More Rewards Card account, you'll earn 3 points at supermarkets, 3 points at gas stations, 2 points at restaurants and 1 point on everything else.*
  • No cap on rewards you can earn, and they never expire
  • Redeem points for travel, cash, gift cards or merchandise
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 11.65%* - 18.00% (Variable)* Flexible Options 1

Go Rewards®

When you open a GO REWARDS account, you'll earn 3 points at restaurants, 2 points on gas and 1 point on everything else.*

  • Rewards Expiration: 4 years from month earned, as long as account is open
  • Rewards Limit: None
  • Start Redeeming: 1,000 points
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 As low as 10.99%* (Variable)* Flexible Options Be the first to write one

Visa® Business Rewards Credit Card

  • Online account services – Manage your account at your convenience, view up to 6 months of past account statements available to download, and more.
  • Manage employee business expenses with online tools that will help control, monitor and track card spending trends.
  • Integrate expense data and reports with accounting software packages.
  • Pay business credit card bills online.
  • Separate business expenses – Keep your business expenses separate from personal expenses to make it easier to track spending – and prepare your taxes.
  • Employee cards – Add employee cards to your account at no additional cost. You can set individual spending limits for each employee, and their purchases will be itemized on your statement for easy recordkeeping.
  • Visa Liability Waiver Program* – Visa Liability Waiver protects you against eligible losses that might be incurred through card misuse by a terminated eligible cardholder up to $100,000. Download PDF brochure.
  • 24/7 Fraud Alerts – BBVA Compass monitors your account for unusual activity around the clock, and we’ll contact you to verify any transactions that seem out of line.
  • Experienced customer service representatives – Our representatives are specially trained to work with business owners and are available to help with any questions you may have. Just call them toll-free at 1-800-316.0207.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Business $0* 3.99% for 1 year* N/A 11.49%* - 25.49% (Variable)* Flexible Options Be the first to write one

First Progress Platinum Prestige Mastercard® Secured Credit Card

  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum Mastercard(R) Secured Credit Card
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • * See Card Terms
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Limited Credit, Poor Credit Secured $49 N/A N/A 10.74% (Variable) None Be the first to write one
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