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 11.74% - 21.74% Variable APR
  • Balance transfer fee of either 3% of the amount of the transfer or $10 (whichever is greater) applies
  • No annual fee
  • Saves you more on interest when you transfer balances from higher rate credit cards
  • $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account
  • Access your FICO® Score for free within Online and Mobile Banking
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 11.74% - 21.74% Variable APR on purchases None 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.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Limited Credit Secured $35 N/A N/A 10.40%-20.40% (Variable) None Be the first to write one

USAA Rewards™ Visa Signature®

  • Earn one point for every dollar spent on your everyday purchases.
  • Get 2,500 bonus points with your first purchase.
  • Redeem points for cash, merchandise, gift cards and more.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Consumer $0.00. N/A N/A 10.40%-26.40% (Variable) Flexible Options Be the first to write one

USAA Military Affiliate Card

  • Earn 2X points for every dollar on gas and grocery purchases all the time.
  • Earn one point for every dollar spent on your everyday purchases.
  • Get 2,500 bonus points with your first purchase.
  • Earn points without a cap or expiration.
  • Redeem your points for cash, merchandise, gift cards, travel or donate to your favorite military affiliate group. Redeem for cash on your mobile device
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Above Average Credit, Fair Credit Consumer $0 0% for 12 months N/A 11.40%-26.40% (Variable) None Be the first to write one

USAA Rewards™ American Express® Card

  • Earn one point for every dollar spent on your everyday purchases.
  • Earn 2X points per dollar on gas and groceries with no caps.
  • Get 2,500 bonus points with your first purchase.
  • Redeem points for cash, merchandise, gift cards and more.
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 10.40%-26.40% (Variable) Flexible Options Be the first to write one

USAA Cash Rewards® American Express® Card

  • Earn up to 2.25% cash back on gas and grocery purchases.
  • Earn up to 1.25% cash back on everyday purchases.
  • Redeem your rewards anytime online or with the USAA Mobile App.
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 10.40%-26.40% (Variable) Cash Back Be the first to write one

USAA Cash Rewards® Visa Signature® Card

  • Earn up to 1.25% on your everyday purchases.
  • There's no limit on the amount you can earn.
  • Redeem your rewards anytime online or with the USAA Mobile App.
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 10.40%-26.40% (Variable) Cash Back 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.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Above Average Credit Partially Secured $35 N/A N/A 10.40%-20.40% (Variable) None Be the first to write one

Discover it® Card

  • 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.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.
  • 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.
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 Be the first to write one
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