Best Credit Card Offers - Lowest APR

Want to reduce your monthly interest costs on money borrowed with a credit card? Our latest reviews of top 40 low-interest credit cards have identified special offers and savings for those with good and excellent credit history! For example: a low interest, fixed rate, introductory credit card offer that is bound to save you money with interest free spending for up to 21 month! These low rate credit cards offers include perks like cash back, gasoline, and travel rewards, among others. So scroll-on down, and get your Low APR Credit Card Today!

These Credit Offers are Only for People with Excellent or Good Credit History.
Have Bad or No Credit History? Click Here! Fair Credit? Click Here!

Best Low Rate Credit Cards

Best of the Best
No Annual Fee
0% APR for 15 Months
Intro APR on Bal. Transf. 0% (18 months)26
Intro APR on Purchases 0% (18 months)26
Regular APR 11.99% - 21.99%26 (V)
Annual Fee $026
0% on Balance Transfers and Purchases for 18 months
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
  • No annual fee.26
  • Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more.
Consumer Rating: 5 / 5

Other Low Rate Credit Cards

You can sort items by clicking on the table header

How to compare card offers 1. Check the most attractive cards in the tables below
2. Click the "Compare" link below any card
3. Compare checked cards, select the best one and apply online.
Card Name
Intro APR Purch.
(Intro Period)
Intro APR Bal.Tr.
(Intro Period)
APR %
Annual Fee
Apply
0%
(18 months)26
0%
(18 months)26
11.99% -
21.99%26 (V)
$026
Consumer Rating: 5 / 5
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
  • No annual fee.26
  • 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more.
0%
(15 months)
0%
(15 months)
10.99% -
20.99%± Variable
$0
Consumer Rating: 5 / 5
  • 0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 20.99%.±
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply.±
  • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com.
0%
(12 months)
0%
(12 months)
10.99% -
19.99%± Variable
$0
Consumer Rating: 5 / 5
  • Limited Time Offer - $0 Balance Transfer Fee!±
  • 0% intro APR on purchases and balance transfers for 12 months, then the variable standard purchase APR of 10.99% - 19.99%.±
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply.±
0%
(Until
May
2013)
0%
(Until
May
2013)
10.9% -
18.9% (V)
$0
or (866) 554-0808
Consumer Rating: 5 / 5
  • 0% intro APR until May 2013 on balance transfers.
  • 0% intro APR until May 2013 on purchases.
  • No annual fee.
0%
(6 months)
0%
(18 months)
10.99% -
20.99%± Variable
$0
Consumer Rating: 5 / 5
  • 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%.±
  • 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%.±
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply.±
0%
(Until
February
2013)
n/a 11.9% -
19.9% (V)
$0
or (866) 554-0808
Consumer Rating: 5 / 5
  • 1.25 miles per dollar on every purchase, every day.
  • Earn 10,000 bonus miles, equal to $100 in travel.
  • Redeem miles for airline tickets, hotel rooms, car rentals and more.
0%
(Until
February
2013)
0%
(Until
February
2013)
12.9% -
20.9% (V)
$0
or (866) 554-0808
Consumer Rating: 3 / 5
  • $100 Bonus after you spend $500 in the first 3 months.
  • 50% bonus on the cash back you earn every year.
  • 1% cash back on all purchases.
0%
(18 months)26
0%
(18 months)26
11.99% -
21.99%26 (V)
$026
Consumer Rating: 5 / 5
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
  • No annual fee.26
  • Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more.

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Understanding Low Rate Card Offers

Interest rate can make a huge difference on your monthly credit card bills, so the best way to keep money in your pocket is to find a low APR rate credit card. These cards vary from having a fixed rate APR or low introductory APR. The great thing about low rate credit cards is that no matter what your needs-average, good or excellent credit history; whether you are a business trying to improve cost efficiency or a student building your credit rating for the first time-there´s bound to be a card to suit your needs. The important thing is to understand the details of your offer and rates.

When does your promotional rate expire?

For the most part, introductory rates of low rate credit card offers are fixed for the promotional period, so be aware of the length of introductory period and of the rate afterwards. Look at terms and conditions section on every credit card application. Take note of the wording of the terms. Be sure to find out exactly how the timeframe is determined by looking at Terms and Conditions section provided conveniently inside of every credit card application.

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± Click apply to view rates, fees, rewards, limitations and other important information.
26 See the Citi card terms and conditions online.

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