Best Credit Card Offers with Lowest Intro APR 2018

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 June 2018

Discover it® Miles Application
Compare now (45) »
5
Card Overall Rating
Excellent, Good Credit
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfers
10.99% (14 months)
Ongoing APR
13.49% - 24.49% Variable
Annual Fee
$0
  • We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.

More Low APR Credit Offers

Discover it® Cash Back Application
Compare now (45) »
5
Card Overall Rating
Excellent, Good Credit
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn unlimited 1% cash back on all other purchases – automatically.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfers
0% (14 months)
Ongoing APR
13.49% - 24.49% Variable
Annual Fee
$0
4
Card Overall Rating
Excellent Credit
  • A low, variable APR on purchases, balance transfers and cash advances
  • No annual fee
  • 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
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
10.49% Variable
Annual Fee
$0
Horizon Gold Application
Compare now (45) »
4
Card Overall Rating
Bad Credit
  • Must have Active Debit Card or Credit Card to qualify.
  • Instant $500 Credit Line.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
0.00%
Annual Fee
See Terms
4
Card Overall Rating
Good - Excellent Credit
  • Enjoy our lowest rate card
  • No annual fee, no foreign transaction fees, no penalty APR
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
8.40% - 25.40% Variable
Annual Fee
$0
4
Card Overall Rating
Fair / Good Credit
  • Gettington Credit Account (issued by WebBank)
  • Gettington offers thousands of name brand products and convenient credit.
  • Gettington Credit Account features a low APR, no annual fees**, no hidden fees** and the ability to pay your way:
  • FAST Option: Use this when you want to pay off purchases faster. Make 4 Monthly Payments and you'll be paid in full.
  • EASY Option: Use this when you need more flexibility. Spread out the cost of your purchase over 24 Monthly Payments or less - much faster than a typical credit card payback!
  • New customer offer. Free shipping on your first order of $49 with an approved Gettington Credit Account** Enter Code: GTN918
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
29.99% (non-variable)
Annual Fee
$0
National Credit Direct Application
Compare now (45) »
4
Card Overall Rating
Bad/Fair Credit
  • Guaranteed Approval on Big screen TVs, computers/tablets, mattresses, appliances/vacuums, toys, jewelry, handbags, watches, gaming and more!
  • 5% Cash Back on All Purchases or FREE merchandise6
  • $1/day6 or less for Apple, Samsung, Acer and more
  • No Over Limit Fee
  • FREE Credit Score Every Month -- Won't affect your credit
  • Bad Credit, No Credit, No Problem
  • Build Your Credit and Payment History with Unsecured Credit Line
  • Up to $3,500 Spending Limit
  • Instant Response -- Start shopping in the next 60 Seconds
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
0.0%
Annual Fee
See Terms*
Discover it® chrome Application
Compare now (45) »
5
Card Overall Rating
Excellent, Good Credit
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfers
0% (14 months)
Ongoing APR
13.49% - 24.49% Variable
Annual Fee
$0
5
Card Overall Rating
Excellent / Good Credit
  • Enjoy 0% Intro APR on Purchases for up to 18 months; a variable go-to APR applies after that.
  • No Annual Fee.
  • Enjoy 0% Intro APR on Balance Transfers for up to 21 months; a variable go-to APR applies after that.
  • Earn rewards on all purchases, every day.
Intro APR on Purchases
0% (up to 18 months)
Intro APR on Balance Transfers
0% (up to 21 months)
Ongoing APR
See Site
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 service finds the credit cards which suit your situation best. However, only card issuers decide whether you'll be approved or not for a credit card.

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...
You can consider the Discover it chrome credit card. This card has 14 months of 0% interest introductory period on purchases and balance transfers and there is no annual fee. The card has cash back rewards program. You will earn up to 2% cash back...
Take a look at travel rewards credit cards. Some of them even have low interest rates. For example, you can get the Discover it Miles credit card. It will allow you to earn 1.5 miles on all your purchases and then redeem them for cruises, flights...
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