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 January 2018

5
Card Overall Rating
Excellent, Good Credit
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfers
0% (14 months)
Ongoing APR
12.24% - 24.24% Variable
Annual Fee
$0
  • 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 1% cash back on all other purchases.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.

More Low APR Credit Offers

Discover it® Miles Application
Compare now (40) »
5
Card Overall Rating
Excellent, Good Credit
  • 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.
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfers
10.99% (14 months)
Ongoing APR
12.24% - 24.24% Variable
Annual Fee
$0
Horizon Gold Credit Card Application
Compare now (40) »
4
Card Overall Rating
Bad Credit
  • 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.
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
0.00%
Annual Fee
See Terms
National Credit Direct Application
Compare now (40) »
4
Card Overall Rating
Any Credit
  • 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.
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
0.0%
Annual Fee
$49
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.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. 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.
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfers
0% (14 months)
Ongoing APR
12.24% - 24.24% Variable
Annual Fee
$0
5
Card Overall Rating
Excellent, Good Credit
  • 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 different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time 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
Intro APR on Purchases
0% (14 months)
Intro APR on Balance Transfers
0% (14 months)
Ongoing APR
12.24% - 24.24% Variable
Annual Fee
$0
5
Card Overall Rating
Excellent / Good Credit
  • 0% Intro APR.
  • No Annual Fee.
  • Great Rewards Programs.
Intro APR on Purchases
0% (up to 21 months)
Intro APR on Balance Transfers
0% (up to 21 months)
Ongoing APR
See Site
Annual Fee
$0
5
Card Overall Rating
Excellent / Good Credit
  • $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
Intro APR on Purchases
0% (15 months)2
Intro APR on Balance Transfers
0% (15 months)2
Ongoing APR
16.24-24.99%2
Annual Fee
None2

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
Yes, you can get a credit card with a 0% intro APR and with rewards. Look at the regular credit cards that are offered by major banks and are not co-branded with any retailer. An example of such a card can be the Discover it Miles card. The card has...
With excellent credit, you can apply for any credit card that offers 0% introductory APR on purchases. For example, the Discover it Miles card comes with a 14-month 0% intro APR on purchases, and after that your ongoing interest will be somewhere...
You can really do better than that. With a NCL card you'll have to pay interest almost from the start – there's no 0% into APR - and the interest can go up to 23.74%. If you cannot wait to go on vacation, but you are currently short of money, try...
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