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™ American Express® Card

  • Earn 3X points per dollar spent on dining
  • Earn 2X points per dollar spent on gas and groceries
  • Earn 1X points for every dollar spent on all other 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 None N/A 12.15% - 28.15% variable Regular APR on purchases, balance transfers and onvenience checks Flexible Options 7

USAA® Rewards™ Visa Signature® Card

  • Earn 2X points per dollar spent on gas and dining with no cap
  • Earn 1X points for every dollar spent on all other 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 None N/A 12.15% - 28.15% variable Regular APR on purchases, balance transfers and convenience checks Flexible Options 1

Amalgamated Bank of Chicago Union Strong Credit Card

  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 11.25% (V) 
  • Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • 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* 0.00% for 12 months* 0% for 12 months* 11.25% (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 11.99-21.99%, 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 11.99%* - 21.99% (Variable)* Other 1

Harvard Alumni World MasterCard®

Not only does The Harvard Alumni Card give you elite travel rewards and high value cardholder benefits such as no annual fee and no foreign transaction fees, it also offers rewards exclusive to Harvard University. With such strong ties to Harvard, it only made sense to give back. That’s why the The Harvard Alumni Card provides support for financial aid programs.

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 11.74%* - 18.00% (Variable)* Other 2

Simmons Visa®

  • 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*
  • 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.
  • No balance transfer fee*
  • 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 7.50% (Variable) None 2

AmaZing Rate®

 

  • 0% intro APR for the first 6 months on all new purchases and only 11.24% to 17.24% variable APR after that*
  • 0% intro APR on balance transfers for 12 months and only 11.24% to 17.24% variable APR after that. 3% fee, $10 minimum*
  • Get instant savings or cash back on purchases at more than 1,500 participating merchants with Zions AmaZing Deals®
  • React to fraud fast with a simple text reply. Our Mobile Fraud Alert Service automatically sends you a text when suspicious activity is detected on your Visa® or MasterCard® credit or debit card.
  • Monitor your account activity in virtually real-time while Purchase Alerts notify you on your mobile phone when preset Visa credit or debit card account conditions are triggered5
  • Customize your card with your own image or photo with myPHOTOcard*
  • Zero Liability6 helps protect you from liability for unauthorized purchases made with your low rate credit card or account information
  • No annual fee

 

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%* - 17.24% (Variable)* None Be the first to write one

Navy Federal More Rewards American Express® Card

  • When you open a More Rewards Card account, you'll earn 3 points at supermarkets, 3 points at gas stations, 2 points at restaurants and 1 point on everything else.*
  • No cap on rewards you can earn, and they never expire
  • Redeem points for travel, cash, gift cards or merchandise
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%* - 18.00% (Variable)* Flexible Options 1

Go Rewards®

When you open a GO REWARDS account, you'll earn 3 points at restaurants, 2 points on gas and 1 point on everything else.*

  • No Rewards Expiration as long as account is open
  • No Rewards Limit
  • Start Redeeming: 1,000 points
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 As low as 10.99%* (Variable)* Flexible Options Be the first to write one

BBVA Visa® Business Rewards Credit Card

  • No Annual Fee
  • 0% Introductory APR for 9 months on purchases
  • Earn 1 point for every $1 in purchases1
  • Earn 3x points at office supply stores and 2x points at gas stations and restaurants2 
  • Online account services
  • Employee cards at no additional cost
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Business $0* 3.99% for 1 year* N/A 10.99%* - 24.99% (Variable)* Flexible Options Be the first to write one