Loading
Tap on the profile icon to edit
your financial details.

Best Low APR Credit Cards

Your Details Done
by Eric Rosenberg | Updated Jun. 22, 2017
We maintain strict editorial integrity in our writing and assessments. This post contains links from our advertisers, and we may receive compensation when you click these links. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been provided, reviewed or otherwise endorsed by our advertising partners. Please visit our Advertiser Disclosure for more information and to view our partners.

Overview

If you pay off your credit cards in full every month, you never have to pay interest. But in reality, many people carry a balance for some reason or another. Credit card interest can add up fast, which is why it is important to consider the interest rate each card charges. Below you can find a list of our favorite cards with a low APR. Once you sign up, you can save big on interest for years to come. See More


Best Low APR Credit Card for Long 0% Period

More Details

  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 13.24%-23.24% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
  • Free access to FICO® Scores*

Annual Fee

$0

Purchase Intro APR

0% for 21 Months

Balance Transfer Intro APR

0% for 21 Months

Regular APR

13.24% - 23.24% Variable

Benefits

There is no interest rate lower than zero percent, and the Citi® Diamond Preferred® Card offers 0% intro APR for almost two years. New cardholders get 0% intro APR for 21 months on purchases and balance transfers. With no annual fee, this card offers an opportunity to save big on interest charges. In addition, this card offers travel and purchase protection so you can safely shop for anything you need without worry.

Things to Consider

To qualify for 0.0% intro APR, balance transfers must be completed within four months of opening a new account. Balance transfers require a $5 or 3% fee (whichever is greater). After the 0% intro APR period ends, 13.24% - 23.24% Variable APR applies. Your interest rate is based on your credit history and market rates. Cash advances charge 25.99% variable APR and charge a $10 or 5% fee (whichever is greater) for each advance. Foreign purchases charge a 3.0% fee. Late payments and returned payments charge up to $35 per occurrence. In the event of late or missed payments, a variable rate of up to 29.99% will apply.

Our Verdict

If you are searching for a long 0% intro APR period, this is the best card available today. This card is loaded with features that often accompany cards with high annual fees. With no annual fee, price protection, rental car insurance, travel insurance, and an EMV security chip, this card is loaded with features. If you are looking to get out of debt or save on interest, this card is a great choice.

Best Low APR Credit Card for No Balance Transfer Fees

More Details

  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • Chase Slate named "Best Credit Card for Balance Transfers" four years in a row by Money Magazine
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR – Paying late won’t raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

Annual Fee

$0

Purchase Intro APR

0% Intro APR on Purchases for 15 months

Balance Transfer Intro APR

0% Intro APR on Balance Transfers for 15 months

Regular APR

15.74%-24.49% Variable

Benefits

Most cards with a 0% APR introductory period make you pay a fee for balance transfers. Chase Slate® is an exception to that rule. Complete a balance transfer within 60 days of opening a new account and pay no balance transfer fee. Then pay 0% APR for 15 months on all purchases and balance transfers, a 15.74%-24.49% Variable APR applies afterward. Pay no interest for more than a year on all purchases and balance transfers with no annual fee. This deal is hard to beat!

Things to Consider

After the first balance transfer or the first 60 days after opening a new account have passed, balance transfers charge a 5% or $5 fee, whichever is greater. After the 15 month introductory period, pay 15.74%-24.49% Variable APR. This card does not charge a penalty APR after late or missed payments. However, late payments and returned payments require a fee of up to $37. Cash advances charge a 5% or $10 fee, whichever is greater and 25.74% variable APR. Cardholders pay a 3% foreign transaction fee when using your card outside the United States.

Our Verdict

With no balance transfer fee for the first 60 days and an impressive 15 month 0% introductory period, you can transfer a balance from a high interest card and pay nothing for more than a year. Even better, use the 0% intro period to pay off your debt for good. While you’re at it, you can monitor your credit with a free FICO® credit score for cardholders. With fraud protection, purchase and price protection, and no annual fee, this card is a winner.

Best Low APR Credit Card for Ongoing Low Interest

More Details

  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.74%
  • 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

Annual Fee

$0

Purchase Intro APR

0% for 15 months

Balance Transfer Intro APR

0% for 15 months (on balance transfers made within first 45 days)

Regular APR

13.74% Variable

Benefits

In the world of credit cards, it can be tough to find a low APR credit card that is great for travel. Barclaycard Ring™ MasterCard® brings you the best of both worlds. Enjoy 0% intro APR for 15 months on balance transfers and all purchases. Plus there are no balance transfer fees, no foreign transaction fees, and the card is chip enabled. If you hate fees and love travel, this is the card for you!

Things to Consider

Balance transfers must be completed within 45 days to qualify for the 15 month 0% intro APR period. After 15 months, the card charges 13.74% Variable APR. Cash advances cost $3 and charge 13.74% APR. Late and returned payment fees may vary by state and are up to $27.

Our Verdict

Card members vote on features and benefits, and the result is clear. This is one of the best cards available today if you are looking to avoid fees and keep interest rates low. With a top interest rate of 13.74% Variable APR, you may not be able to find a better deal. Whether you are shopping locally or traveling across the world, this card is the best option for ongoing low interest rates.

Best Low APR Secured Credit Card for Low Fixed Interest

More Details

  • Low fixed interest rates with no penalty rate!
  • Reports to all three nationwide credit bureaus
  • Fast, easy application process
  • No processing or application fees!
  • Guaranteed Approval* as long as your monthly income exceeds your monthly expenses by $100 or more
  • *See application for additional details

Annual Fee

$39

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

13.99% (F) Fixed

Benefits

Late and missed payments happen, and when they do credit scores can suffer. If you are looking for a low interest card with a less than perfect credit history, it can be a challenge. That’s where the primor® Secured MasterCard Classic Card comes in. This card charges a low 13.99% (F) Fixed APR from the start, and with a fixed rate it will never increase. As long as you earn at least $100 more every month than your expenses, you are guaranteed to be approved.

Things to Consider

As a secured credit card, you have to make a deposit equal to your credit limit. This deposit is refundable when you close your account. The card charges a $39 annual fee. Late and missed payment fees charge up to $29. Foreign transactions charge a 3% fee. Cash advances are available with a 5% or $5 fee (whichever is greater) and 18.99% variable APR.

Our Verdict

Getting your credit back on track after a string of setbacks can be tough. With the primor® Secured MasterCard Classic Card, fixing your credit does not have to be difficult or expensive. As long as you pay your card in full each month, the most you’ll ever pay is the $39 annual fee. And with a fixed 13.99% (F) Fixed APR, if you do carry a balance it will cost you far less than most competing options. If you are working on fixing up your credit while locking in a low rate, this is the card for you.

Methodology SmartAsset has developed a quantitative and independent system for evaluating the relative value of a credit card offer versus other offers in the marketplace. Our system evaluates cards based exclusively on their features, such as their rewards earning rate (if applicable), fees, perks, and rewards program redemption options. The annual rewards values on this page are calculated using annual spending assumptions in various categories such as, but not limited to, gas, restaurants, airfare, and US supermarkets. These spending assumptions are built on research that SmartAsset has conducted on existing no fee credit cardholders. Our promise with our credit card recommendations is that we will always strive to have the most comprehensive, accurate, and objective method of evaluating credit card offers. Any recommendations are solely determined by the result of this research and model, and is never influenced by any fees, commissions, or other forms of compensation that SmartAsset may receive from credit card issuers for leads generated on our website.

Comparing
Add your details
Credit Score
Credit Rating
Select Your Credit Rating Do this later
Dismiss
Add your details
Card Type
Do this later
Dismiss
Best Credit Cards on SmartAsset.com Best Credit Cards by Issuer Best Credit Cards by Credit Score
How helpful was this page in answering your question?
not helpful
very helpful
​If you could change one thing about ​this page what would it be?​
Thank you for your answer! Your feedback is very important to us.
We are working hard to improve our product and could use your help!
We pay $30 for 30 minutes on the phone to hear your thoughts on what we can do better.
Please enter your email if you'd like to be contacted to help.

Please enter your name