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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HSBC Gold Mastercard® credit card

  • 0% Intro APR on purchases and balance transfers for the first 18 months from Account opening.
  • Then a variable APR of 11.99%, 15.99% or 19.99% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
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 months 0% Intro APR for 18 months Variable APR of 11.99% - 19.99% 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.
  • 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 10.90% to 26.90% (Variable) Flexible Options 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. 
  • 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 10.90% to 26.90% (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 10.90% to 20.90% (Variable) None 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 Partially Secured $35 N/A N/A 10.90% to 20.90% (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

Nordstrom Credit Card®

 Enjoy the benefits of being a Nordstrom cardholder.

• 24/7 Nordstrom customer service.

• Get an instant decision, and if approved, sign in to start shopping right away.

• Get a $40 bonus Note when you spend $100 at Nordstrom, Nordstrom Rack, HauteLook or Trunk Club with your new Nordstrom card the day you're approved.

• No annual fee and competitive APRs. See APR and fee information.

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 11.90%* - 23.90% (Variable)* Store 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 transfers1 (made within 60 days of account opening).
  • After that, our lowest variable Purchase and Balance Transfer APR will apply, currently 10.99%-20.99%, 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 10.99%* - 20.99% (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 11.25% 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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