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 Rewards™ Visa Signature®

  • Earn 2X points for every dollar spent on gas and dining with no caps.
  • Earn 1X point for every dollar spent on all other purchases with no caps.
  • Get 2,500 bonus points with your first purchase.
  • No expiration date on any points earned.
  • Redeem your points for cash, merchandise, gift cards or travel or donate to your favorite military affiliate group.
  • Redeem for cash on your mobile device.
  • 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 N/A N/A 11.15% to 27.15% (Variable) Flexible Options Be the first to write one

USAA Secured Card® Platinum Visa®

  • Best for members rebuilding or establishing credit.
  • Determine your own credit limit ($250 to $5,000) with an interest-earning CD.
  • No foreign transaction fees when you travel outside the United States.
  • 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
Fair Credit, Poor Credit Secured $35 N/A N/A 11.15% to 21.15% (Variable) None Be the first to write one

USAA Rewards™ American Express® Card

  • Earn 3X points per dollar spent on dining with no caps.
  • Earn 2X points per dollar spent on gas and groceries with no caps.
  • Earn 1X point for every dollar spent on all other purchases.
  • Get 2,500 bonus points with your first purchase.
  • There's no expiration date on any points earned.
  • Redeem your points for cash, merchandise, gift cards or travel or donate to your favorite military affiliate group.
  • 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 N/A N/A 11.15% to 27.15% (Variable) Flexible Options Be the first to write one

USAA Secured Card® American Express® Card

  • Best for members rebuilding or establishing credit.
  • Determine your own credit limit ($250 to $5,000) with an interest-earning CD.
  • No foreign transaction fees when you travel outside the United States.
  • 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
Fair Credit, Poor Credit Secured $35 N/A N/A 11.15% to 21.15% (Variable) None Be the first to write one

Barclaycard Ring™ Mastercard®

  • A low, variable APR on purchases, balance transfers and cash advances
  • No annual fee
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit Consumer $0 N/A N/A 10.49% Variable None Be the first to write one

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 10.24%* (Variable)* Other Be the first to write one

Amalgamated Bank of Chicago Union Strong Credit Card

  • 0% Intro APR on Purchases for 12 months; after that the variable APR will be 10.75% (V)
  • Earn 10,000 Bonus ABOC Rewards Points after you spend $1,000 on purchases within the first 90 days from account opening
  • Unlimited Points That Don't Expire
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0* N/A 0% for 12 months* 10.75% (Variable)* Flexible Options Be the first to write one

KeyBank Latitude(SM) Credit Card

  • Manage credit card debt with lower interest rates
  • With affordable interest rates, the Latitude credit card offers you the flexibility to pay for the things you need while managing your balance over time.
  • No annual fee.
  • Special low Introductory APR of 0% for the first 15 billing cycles on purchases and balance transfers* (made within 60 days of account opening).
  • After that, our lowest variable Purchase and Balance Transfer APR will apply, currently 11.24-21.24%, based on credit worthiness.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Good Credit, Excellent Credit Consumer $0* N/A N/A 11.24%* - 21.24% (Variable)* Other Be the first to write one

Simmons Bank Visa® Platinum Rewards

  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 11.50% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
  • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
  • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
  • 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 9.50% (Variable) Travel Be the first to write one
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