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.

Sorry, but there were no cards were found in this category. This changes almost every week, so we thank you for your understanding. Here are some other cards you may be interested in.

Here are just a few of them:
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Milestone® Mastercard®

  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Reports to all three major credit bureaus
* The Milestone Mastercard is issued by The Bank Of Missouri and serviced by Genesis FS Card Services, Inc. Applications are subject to issuer review (which may include obtaining your credit report) and approval. Fraud protection provided by Mastercard Zero Liability Protection. If approved, you'll receive the Mastercard Guide to Benefits that details the complete terms with your card.

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Poor Credit Consumer $35 - $99* N/A N/A 24.9% None Be the first to write one

Laurel Road Student Loan Cashback® Card

Introducing the first credit card that lets you redeem 2% cashback towards your student loans with 95% of U.S. servicers. Or, you can redeem 1% cashback towards anything else.

  • 0% Intro APR: No interest for the first 12 months on balance transfers made in the first 60 days.*
  • No Annual Fee† Take advantage of our $0 annual fee. Plus, no foreign transaction fees.
  • Flexible Cashback: 2% cashback towards eligible student loans, 1% cashback towards anything else.*
  • Extended Eligibility: The first card that lets you redeem cashback with 95% of student loan servicers.*

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit, Above Average Credit Student $0* 0.00% for 12 monthly billing cycles* N/A 18.74%* - 27.74% (Variable)* Cash Back Be the first to write one

Kay Jewelers Credit Card

Express Your Love Your Way. Enjoy Zero Down Special Financing* on purchases of $300 or more with the KAY Jewelers Credit Card issued by Comenity Bank.

Nothing Should Get in the Way of Love. Use your KAY Jewelers Credit Card and select a Special Financing* plan that works best for you.

  • 6 Months Special Financing: $300 minimum purchase*
  • 12 Months Special Financing: $750 minimum purchase*
  • 18 Months Special Financing: $3000 minimum purchase*
  • 36 Months Special Financing: $1,500 minimum purchase*
  • Treat yourself to something wonderful during your birthday month with $100 off.*
  • Cardholder's Anniversary: Celebrate with a special offer, just for you with $100 off.*

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Poor Credit, Limited Credit Consumer $0* N/A N/A 29.99% (Variable)* None 41

Chime Spending Account and Visa® Debit Card

Chime® is a new award-winning mobile app designed to help people lead healthier financial lives and automate their savings. With Chime, you get a Chime Visa® Debit Card and an FDIC insured deposit account that can be managed entirely from your smartphone, plus a Savings Account that helps you save money without thinking about it.

  • Your deposits are insured up to $250,000 through The Bancorp Bank or Stride Bank; Member FDIC.
  • Visa's Zero-Liability Policy protects all unauthorized purchases.*
  • 60K+ fee-free ATMs at convenient locations like Walgreens, 7-Eleven, CVS and more
  • Real-time alerts for every banking transaction.
  • Automatic Savings takes the effort out of saving.
  • No minimum, monthly, or overdraft fees.˜
Disclocures: Chime is a financial tech... See More

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
N/A Debit $0** N/A** N/A** N/A** None Be the first to write one

JCPenney Credit Card®

  • Earn 2X the rewards points with a JCPenney Credit Card - receive 1 point per dollar spent on qualifying purchases*
  • 15% OFF* select apparel, shoes, accessories, fine jewelry, salon products, furniture & mattresses, home, and in-home custom design; or save 5% on select electrics/electronics, Modern Bride Design Your Dream Ring, smart watches & Tempur-Pedic
  • Enjoy exclusive offers throughout the year with 100+ special savings days where JCPenney Credit Card members save more.

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Above Average Credit Consumer $0* N/A N/A 25.99% Fixed* Store 59

Blain's Farm & Fleet Rewards Mastercard®

Life can be more rewarding with the Blain’s Farm & Fleet Rewards Mastercard. Earn rewards on purchases you already make. Not only at Blain’s Farm & Fleet, but at gas stations, grocery stores, and everywhere else. For larger Blain's Farm & Fleet purchases low promotional special financing is available.
 
  • 3 POINTS per $1 spent At Blain's Farm & Fleet*
  • 2 POINTS At Gas Stations & Grocery Stores
  • 1 POINT Everywhere Else

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Good Credit, Above Average Credit, Fair Credit Consumer $0* N/A 0% for 12 billing cycles* 25.99% (Variable)* Store 1

Destiny Mastercard®

  • 24/7 access to your account, even on mobile!
  • Accepted nationwide, wherever Mastercard is accepted
  • Account history is reported to the three major credit bureaus in the U.S
  • All the benefits of a Mastercard, without a security deposit
  • An opportunity to build and access credit
  • An unsecured Mastercard for less than perfect credit
  • Fraud Protection* from unauthorized charges
  • Keeping your account in good standing may help establish and/or improve your credit history
  • Multiple card designs to choose from, no extra charge
  • Responsible use and on time payment history can begin your financial future on the right track
  • Simple and fast application process
  • Quick and easy application process with a typical decision in 60 seconds or less
  • $700 Credit Limit
* The Destiny Mastercard is issued by First Electronic Bank and serviced by Genesis FS Card Services, Inc. Applications are subject to issuer review (which may include obtaining your credit report) and approval. Fraud protection provided by Mastercard Zero Liability Protection. If approved, you'll receive the Mastercard Guide to Benefits that details the complete terms with your card.

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Poor Credit, Good Credit Consumer See Terms* N/A N/A See Terms* None Be the first to write one

Discount Tire Credit Card

  • Promotional Financing available
  • No annual fee** and $0 liability on fraud transactions
  • Fast and easy online application
  • Convenient online access to your account with the Discount Tire mobile app
  • Accepted at over 200,000 gas stations nationwide across major gas brands^
  • Exclusive cardholder rebates that you can combine with manufacturers' offers

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Poor Credit, Limited Credit Consumer $0* N/A N/A 29.99% (Variable)* None Be the first to write one

Amazon Prime Rewards Visa Signature Card

  • Exclusively for customers with an eligible Prime membership
  • 5% Back at Amazon.com and Whole Foods with an eligible Prime membership*
  • 2% Back at restauraunts, gas stations, and drugstores*
  • 1% Back on all other purchases*

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 15.74%* - 23.74% (Variable)* Store 3

Upgrade Cash Rewards Visa®

  • $200 bonus after opening a Rewards Checking account and making 3 debit card transactions*
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No annual fee
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
  • See Rates & Fees
** To qualify for the welcome bonus, you must... See More

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 14.99% - 29.99% (Variable)* Cash Back 1