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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USAA® Cashback Rewards Plus American Express® Card

  • Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined
  • Earn 2% on your first $3,000 on supermarket purchases per year
  • Unlimited 1% cash back on all other purchases
  • USAA membership is available to active and former military and their eligible family members
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0 None N/A 14.15% - 28.15% variable Regular APR on purchases, balance transfers and convenience checks Cash Back Be the first to write one

USAA® Preferred Cash Rewards Visa Signature® Card

  • Earn 1.5% cash back on every purchase with no limits or category restrictions
  • Pay no annual fee, no penalty APR and no foreign transaction fees
  • USAA membership is available to active and former military and their eligible family members
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Good Credit, Excellent Credit Consumer $0 None N/A 14.15% - 28.15% variable Regular APR on purchases, balance transfers and convenience checks Cash Back 1

Discover it® Card

  • We'll match all the cash back you earn at the end of your first year, automatically.*
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon.com, Sam’s Club and more, on up to $1,500 in purchases every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
  • Your cash back never expires. Redeem your rewards for any amount, any time. 
  • No annual fee.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Consumer $0 N/A N/A 11.24% - 23.24% Variable Cash Back 10

BB&T Bright credit card

  • Save money by paying less interest with the low annual percentage rate BB&T Bright credit card
  • 0% introductory APR for 15 months on purchases and balance transfers
  • No annual fee*
  • Enjoy Visa's® Zero Liability unauthorized purchase protection*
  • Earn money easily with BB&T Deals. Log in to U by BB&T®, pick a deal, shop with your credit card and earn cash back
  • Take advantage of travel and emergency assistance services and auto rental collision damage waiver*
  • Visit Visa (opens in a new tab) to learn about additional card benefits
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 11.24%* - 20.24% (Variable)* None Be the first to write one

Nordstrom Rewards Visa Signature®

  • If approved, you can sign in to access your card online and start shopping right away.
  • Earn 3 points per dollar spent in stores and online at Nordstrom, Nordstrom Rack, HauteLook and Trunk Club.
  • Plus, get a $40 bonus Note when you make any purchase with us on your new card the day you’re approved.
  • Enjoy the benefits of being a Nordstrom cardmember.
  • No annual fee and competitive APRs. See APR and fee information.
  • 24/7 Nordstrom customer service.
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%* - 22.90% (Variable)* Store 4

Simmons Rewards Visa® Signature

  • 1.25 Rewards Points for Every Dollar Spent*
  • No Annual Fee*
  • No Balance Transfer Fee*
  • 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.
  • 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.*
  • Signature Perks - Visa Signature® cardholders receive valuable perks like access to exclusive hotels, complimentary 24-hour Visa Signature concierge* and special entertainment packages.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Consumer $0 None N/A 9.50% (Variable) Travel Be the first to write one

Wells Fargo Cash Back(SM) College Card

The Wells Fargo College Cash Back Visa® card is a great way to start building your credit while you're still in college.

  • Get access to online tools and a mobile app that helps you keep track of your expenses.
  • Use your card responsibly and earn rewards with virtually every purchase.
  • Receive 3% cash rewards on gas, grocery, and drugstore net purchases* for 6 months, 1% cash rewards on virtually all other net purchases everyday.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Student $0* N/A N/A 11.15%* - 21.15% (Variable)* Cash Back 1

Points Visa® Credit Card

  • Earn 50,000 bonus points after you make $750 or more in purchases during the first 3 billing cycles following account opening of a PNC points Visa Credit Card.*
  • Earn 4 points for every $1 in qualifying purchases*
  • Earn even more points with a qualifying PNC Virtual Wallet or PNC Checking account relationship
  • Redeem your points for hundreds of valuable rewards – including cash, name brand merchandise, travel, and more
  • No annual fee*
  • Introductory Offer on Balance Transfers and Purchases**
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%* - 21.99% (Variable)* Flexible Options 1

BBVA Rewards Credit Card

  • No annual fee*
  • Introductory rates as low as 0% APR for thirteen months (11.24 to 29.24% variable APR after that)*
  • You earn unlimited 1.5% rewards on all purchases and could earn an additional unlimited 0.5% reward bonus with $1,000 in monthly direct deposits to a BBVA deposit account*
  • Download our Award-Winning Mobile Banking App from the App Store or Google Play to manage your card
  • Special Offer: Get a $100 account credit when you make $1,500 in Qualifying Purchases in the first 90 days*
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 11.24%* - 29.24% (Variable)* Other 1

Suntrust MasterCard® Cash Rewards

  • 5% Cash Back on up to $6,000 spent on gas and grocery qualifying purchases* in the first 12 months*
  • 2% Unlimited Cash Back on qualifying gas and grocery purchases after your introductory bonus cash back
  • 1% Unlimited Cash Back on all other qualifying purchases
  • 0.0% intro APR on purchases and balance transfers for 15 months after account opening. Competitive variable rate, currently 11.24-21.24% APR thereafter*.
  • No annual fee*
  • No foreign transaction fees*
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 11.24%* - 21.24% (Variable)* Cash Back Be the first to write one
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