Best Credit Card Offers for you - Lowest intro APR

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BestCreditOffers.com is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. BestCreditOffers.com does not review or list all available financial or credit offers.

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! These low rate credit cards offers include perks like cash back, gasoline, and travel rewards, among others. So, scroll-on down, choose a card, and apply for a Low APR Credit Card.

Discover it® Miles
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Credit History Intro APR on Bal. Transf. Intro APR on Purchases Regular APR Annual Fee
Excellent, Good 10.99% (14 months) 0% (14 months) 11.99% - 23.99% Variable $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.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! 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, Discover Match® details & other information.
Consumer Rating: 5 / 5
Discover it® - Cashback Match™
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
Credit History Intro APR on Bal. Transf. Intro APR on Purchases Regular APR Annual Fee
Excellent, Good 0% (14 months) 0% (14 months) 11.99% - 23.99% Variable $0
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.
  • 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.
  • New! 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.
Consumer Rating: 5 / 5
Horizon Gold Credit Card
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Credit History Intro APR on Bal. Transf. Intro APR on Purchases Regular APR Annual Fee
Bad n/a n/a 0.00% See Terms
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Consumer Rating: 4 / 5
National Credit Direct
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Credit History Intro APR on Bal. Transf. Intro APR on Purchases Regular APR Annual Fee
Any n/a n/a 0.0% $49
  • Shop Brand Name Electronics.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.6
  • 0% APR.
  • FREE: Get your credit score every month and reasons affecting it
  • Reward Points for every dollar spent.
  • Low Flexible Payments.
  • Reports to Major Credit Bureau.
  • Bad Credit - OK.
Consumer Rating: 4 / 5
NHL® Discover it® Card
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
Credit History Intro APR on Bal. Transf. Intro APR on Purchases Regular APR Annual Fee
Excellent, Good 0% (14 months) 0% (14 months) 11.99% - 23.99% Variable $0
  • Choose your favorite team & show your pride - all 31 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! 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. ©NHL
Consumer Rating: 5 / 5
Best Credit Cards from Credit-Land.com
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Credit History Intro APR on Bal. Transf. Intro APR on Purchases Regular APR Annual Fee
Excellent / Good 0% (up to 21 months) 0% (up to 21 months) See Site $0
  • 0% Intro APR.
  • No Annual Fee.
  • Great Rewards Programs.
Consumer Rating: 5 / 5
Amalgamated Bank of Chicago Union Strong Credit Card
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Credit History Intro APR on Bal. Transf. Intro APR on Purchases Regular APR Annual Fee
Excellent / Good N/A 0% for 12 months 10.25% Variable $0
  • 0% Intro APR on Purchases for 12 months; after that the variable APR will be 10.25% (V)
  • Earn 10,000 Bonus ABOC Rewards Points after you spend $1,000 on purchases within the first 90 days from account opening
  • Unlimited Points That Don’t Expire
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
Consumer Rating: 5 / 5
Chase Freedom®
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Credit History Intro APR on Bal. Transf. Intro APR on Purchases Regular APR Annual Fee
Excellent / Good 0% (15 months)2 0% (15 months)2 15.99-24.74%2 None2
  • $150 bonus after you spend $500 on purchases in the first 3 months from account opening.2
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. 2
  • Earn a $25 bonus when you add your first authorized user* and make your first purchase within this same 3-month period.2
  • 0% intro APR for 15 months from account opening on purchases and balance transfers. After that, 15.99%–24.74% variable APR.2
Consumer Rating: 5 / 5
Get Your CARD MATCH
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  • Will Not Affect Your Credit Score
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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.

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.
Low APR Credit Cards More Guides »

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January 25, 2017

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2 The card´s rates, fees and other terms are subject to change. Therefore, we do not guarantee that information presented on this page is current and up to date. Please, visit the bank´s or credit card company´s website to review the current Terms & Conditions.
6 In Accordance with Terms and Conditions.

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Disclaimer: This editorial content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult a card's issuing bank for terms & conditions.

BestCreditOffers.com makes every effort to keep information up to date and accurate. However, the information regularly changes and is presented without warranty. Therefore, we strongly recommend all our readers to visit the credit card application page by clicking "Apply Online!" button to review the detailed credit card's terms and conditions. Note that BestCreditOffers.com may be compensated by the credit card issuers when the readers apply for a credit card through this site.

BestCreditOffers.com is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. BestCreditOffers.com does not review or list all available financial or credit offers.

Disclosure: Not an access card.