Best Credit Card Offers with Low APR 2021

Want to reduce your monthly interest costs on money borrowed with a credit card? Here we offer the best credit cards from our partners that have low APRs on purchases or balance transfers, or both. These low rate credit card offers also include perks like cash back, gas, or travel rewards, among other benefits. So, scroll-on down, choose a card, and apply for a Low APR Credit Card online.

TOP LOW INTEREST OFFER of September 2021

5
Card Overall Rating
Excellent, Good, Fair, Average Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
8.99%-29.99%
Annual Fee
$0
  • Earn 1.5% unlimited cash back in bitcoin when you make payments
  • The simple way to earn bitcoin: make purchases on your card, make payments, earn bitcoin
  • No annual fees, no foreign transactions fees

More Low APR Credit Offers

4
Card Overall Rating
Excellent, Good, Fair, Average Credit
  • Unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • 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
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
8.99% -29.99%
Annual Fee
$0
3
Card Overall Rating
Poor/Limited/No Credit
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application; No credit inquiry required!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI ** See Card Terms.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
9.99% (V)
Annual Fee
$49
4
Card Overall Rating
Poor/Limited/No Credit
  • Enjoy 0% APR on Purchases for Six Months!
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • * See Card Terms.
Intro APR on Purchases
0% (6 months on Purchases)
Intro APR on Balance Transfers
N/A
Ongoing APR
12.99% (V)
Annual Fee
$49
4
Card Overall Rating
  • Better than Prepaid…Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit – Maximum $1,000. Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
9.99% (Fixed)
Annual Fee
$48
4
Card Overall Rating
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
17.39% (variable)
Annual Fee
$35
Group One Freedom Card Application
Compare now (12) »
4
Card Overall Rating
  • Bad Credit, Low Score? No Problem!
  • Managing your credit is key! TRY US RISK-FREE FOR 7 DAYS!
  • Build your Credit with responsible handling of your account
  • Receive a $750 Credit Line
  • Easy Application with Immediate Results
  • No Credit Check
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
0.00%
Annual Fee
See terms
3
Card Overall Rating
Poor/Limited/No Credit
  • Credit lines available from $200 to $5,000! Super Low 9.99% variable interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
  • See website for additional Oakstone Platinum Secured Mastercard® details
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
9.99% (V)
Annual Fee
$49
5
Card Overall Rating
Excellent / Good Credit
  • 0% Intro APR on Purchases and Balance Transfers; a variable go-to APR applies after that.
  • Balance transfer fee between 3% and 5%.
  • Unlimited rewards on all purchases.
  • No Annual Fee.
Intro APR on Purchases
0% (up to 18 months)
Intro APR on Balance Transfers
0% (up to 18 months)
Ongoing APR
Annual Fee
$0
4
Card Overall Rating
Excellent, Good, Fair, Average Credit
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • 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
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
8.99%-29.99%
Annual Fee
$0

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 credit - 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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This tool finds credit offers that suit your situation best. However, only lenders and issuers decide whether you'll be approved or not for an offer.

Not Sure Which Card to Choose?

Ask Our Experts or Read Credit Card FAQs
With this high credit score± and you may qualify for a credit card with low interest rate. We cannot tell you how low your interest rate will be because each card has its own terms and some cards come with a range of APRs. We would recommend you...
Click here and browse the low rate credit cards we have on offer. Consider 0% intro APRs on purchases and/or balance transfers and be sure to find the credit card right for you....
APR or Annual Percentage Rate is the yearly interest rate on your credit card. There are two types of 0 percent APR offers. The first type is 0 percent APR on purchases credit card. This means you won't be charged interest on your purchases for a...
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