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® Card

  • Earn 2X points for every dollar spent on gas and dining
  • Earn 1X point for every dollar spent on all other purchases
  • 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 None N/A 11.40% - 27.40% Variable APR on purchases, balance transfers and convenience checks 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 None N/A 11.40% - 21.40% Variable APR on purchases, balance transfers and convenience checks None Be the first to write one

USAA Secured Card Visa Platinum® 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 None N/A 11.40% - 21.40% Variable APR on purchases, balance transfers and convenience checks 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
  • See Rates & Fees
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

USAA Rewards™ American Express® Card

  • Earn 3X points per dollar spent on dining.
  • Earn 2X points per dollar spent on gas and groceries.
  • 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 None N/A 11.40% - 27.40% Variable APR on purchases, balance transfers and onvenience checks Flexible Options 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

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 11.49-21.49%, 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 11.49%* - 21.49% (Variable)* Other Be the first to write one

Charity Charge World MasterCard® Credit Card

  • Donate your cash back to any nonprofit or religious organization of your choice.
  • Earn an unlimited 1% cash back that's automatically donated on your behalf through your everyday purchases.
  • No Annual Fee.
  • An easy way to make a difference (at no cost to you).
  • 100% Tax-Deductible.
  • Low APR between Prime + 6.99%-16.99% dependent on creditworthiness. Balance transfer fee of either $10 or 5% of the amount of each Balance Transfer, whichever is greater.
  • Receive all the benefits of a World MasterCard such as: extended warranty, MasterCard global service, concierge services, ID theft protection, price guarantee, and many more exclusive services.
  • Chip and Apple Pay enabled.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Good Credit, Excellent Credit Consumer $0 1.99% for 6 monthly billing cycles 1.99% for 6 monthly billing cycles 11.24%-21.24% (Variable) Charity Be the first to write one

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
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