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!

Best Low Rate Credit Cards

Best of the Best
0% APR & No Fee on BT
Fair / Bad Credit
Intro APR on Bal. Transf. 0% (15 months)
Intro APR on Purchases 0% (15 months)
Regular APR 10.99% - 20.99%± Variable
Annual Fee $0
0% on Purchases and Balance Transfers for 15 months
  • 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.
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
  • Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more.
See terms See terms 10.9% -
24.9% (V)
See terms
Consumer Rating: 4 / 5
  • Get the credit you need with no processing fees or application fees.
  • $0 Fraud Liability if your card is lost or stolen.
  • Pick an image for your card - choose the one shown here, any of the hundreds in our collection, or add your own.
0%
(15 months)8
0%
(15 months)
11.99% -
21.99%8 (V)
$0
Consumer Rating: 5 / 5
  • No Balance Transfer Fee!8
  • 0% Intro APR for 15 months on purchases and balance transfers.
  • Transfer your higher rate balances during the first 30 days your account is open and you will pay no balance transfer fee!
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)8
0%
(15 months)8
12.99% -
22.99%8 (V)
$0
Consumer Rating: 4 / 5
  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months.
  • 0% Intro APR for 15 months on purchases and balance transfers.
  • 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 - 6/30/12.
0%
(Until
June
2013)
n/a 11.9% -
19.9% (V)
$0
or (866) 554-0808
Consumer Rating: 4 / 5
  • 1.25 miles per dollar on every purchase, every day and no annual fee.
  • One-time bonus of 10,000 miles once you spend $1,000 dollars in the first 3 months, equal to $100 on travel.
  • Redeem miles for airline tickets, hotel rooms, car rentals and more.
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%
(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.
0%
(Until
September
2013)
0%
(Until
September
2013)
10.9% -
18.9% (V)
$0
or (866) 554-0808
Consumer Rating: 4 / 5
  • 0% intro APR until September 2013 on balance transfers.
  • 0% intro APR until September 2013 on purchases.
  • No annual fee.

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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.
8 See the Chase card terms and conditions online.
26 See the Citi card terms and conditions online.
38 $39 or $59 the first year, or $0 - $49 Introductory the first year, then either $35 or $59 per year thereafter.

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