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Best Credit Card Offers with Low APR 2023
TOP LOW INTEREST OFFER of September 2023
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
- Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
- No annual fee
This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.
More Low APR Credit Offers
- Earn 20,000 bonus Rewards Points when you spend $3,000 in the first 60 days
- Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases
- Redeem Reward Points for travel, merchandise, events, experiences, gift cards and cash
- No points maximum and your points never expire
- Nothing beats zero
- Benefits of this gold card include low APR and low promotional balance transfer APR. Go for the gold today!
- LOW APR on all purchases
- 0% Introductory APR on purchases made the first 15 months after account opening. After that, the APR for any unpaid purchase balance and any new purchases will be 17.99% based on your creditworthiness and will vary with the market based on the prime rate. 0% introductory APR for 15 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
- Annual Fee: $0
- Purchase Variable APR: 17.99%
- Refer to PenFed.org for Terms/Conditions
- Earn 10,000 bonus Rewards Points when you spend $2,000 in the first 60 days
- Earn 1 point for every $1 spent on everyday purchases
- No annual fee or balance transfer fee
- Points never expire while account is open and in good standing
- Redeem points for travel, merchandise, events and activities, charitable donations, and gift cards
This offer is not available in West Virginia.
- 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
This offer is not available in West Virginia.
- 1% Cash Back Rewards on payments
- Choose your own credit line - $200 to $2000 – based on your security deposit
- Build your credit score.1 Reports to all 3 credit bureaus
- No minimum credit score required for approval!
- 1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
- With an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit
- Extend your $200 credit line by getting considered for an unsecured credit line increase after 6 months - no additional deposit required!
- Get free monthly access to your FICO score in our mobile application
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and Transunion
- Fund your card with a low $200 refundable security deposit to get a $200 credit line
- Apply in less than 5 minutes with our mobile first application
- Choose the due date that fits your schedule with flexible payment dates
- Fund your security deposit over 60 days with the option to make partial payments
- Join over 1.2 million cardholders who’ve used OpenSky to build their credit
- Bad Credit, Low Score? No Problem!
- Managing your credit is key! TRY US RISK-FREE FOR 7 DAYS!
- Receive a $750 Credit Line*
- Easy Application with Immediate Results
- No Credit Check
- *usable only at theHorizonOutlet.com
- 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.
This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- Combine the flexibility of a credit card with the predictability of a personal loan
- No annual fee
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- 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
This offer is not available in District Of Columbia, Iowa, West Virginia, Wisconsin.
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.
Not Sure Which Card to Choose?
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