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Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card
- 17.99% - 28.74% (Variable) Regular Purchase APR
- 17.99% - 28.74% (Variable) Balance Transfer APR
- 29.99% (Variable) Cash Advance APR
- 0% for 12 months on Purchases Intro Purchase APR
At a Glance
The Citi® Diamond Preferred® Card provides one of the longest 0% intro APR periods on the market for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.99% - 28.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- Intro Purchase APR: 0% for 12 months on Purchases
- Regular Purchase APR: 17.99% - 28.74% (Variable)
- Intro Balance Transfer APR: 0% for 21 months on Balance Transfers
- Balance Transfer APR: 17.99% - 28.74% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 29.99% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Penalty APR: Up to 29.99% (Variable)
- Annual Fee: $0
- Foreign Transaction Fee: 3%
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You make frequent purchases to entertainment events and want priority access
- You're looking for a generous introductory 0% APR period for both purchases and balance transfers
Citi Simplicity® Card
Citi Simplicity® Card
- 18.99% - 29.74% (Variable) Regular Purchase APR
- 18.99% - 29.74% (Variable) Balance Transfer APR
- 29.99% (Variable) Cash Advance APR
- 0% for 12 months on Purchases Intro Purchase APR
At a Glance
The Citi Simplicity® Card is one of the most consumer-friendly balance transfer cards available today, 0% intro APR on balance transfers for 21 months from the date of first transfer as well as 0% intro APR for 12 months on purchases from when the account opens.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.99% - 29.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening.
- Stay protected with Citi® Quick Lock
- Intro Purchase APR: 0% for 12 months on Purchases
- Regular Purchase APR: 18.99% - 29.74% (Variable)
- Intro Balance Transfer APR: 0% for 21 months on Balance Transfers
- Balance Transfer APR: 18.99% - 29.74% (Variable)
- Balance Transfer Transaction Fee: There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 29.99% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Annual Fee: $0
- Foreign Transaction Fee: 3%
- Late Payment Penalty Fee: No Late Fee
- Return Payment Penalty Fee: Up to $41
- You have a significant balance elsewhere that you’d like to transfer over and pay off without interest
- You enjoy the freedom of having 12 months with 0% introductory APR on the purchases made with this card
- You want a credit card with robust consumer protection features
Greylock Federal Credit Union Elevate Card
Greylock Federal Credit Union Elevate Card
- See Terms Regular Purchase APR
- See Terms Balance Transfer APR
- See Terms Cash Advance APR
- See Terms Intro Purchase APR
At a Glance
The Elevate Card is a straightforward low APR card and one of four credit cards offered by Greylock Federal Credit Union. The card features an excellent regular APR and a special 0% intro APR period on purchases for the first six months.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Low, competitive interest rates
- Special introductory purchase APR of 0% for first six months of account opening
- Travel and accident insurance
- Intro Purchase APR: See Terms
- Regular Purchase APR: See Terms
- Intro Balance Transfer APR: See Terms
- Balance Transfer APR: See Terms
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: See Terms
- Cash Advance Transaction Fee: Either $10 or 2% of the amount of each cash advance, whichever is greater (maximum $25)
- Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $27
- Return Payment Penalty Fee: Up to $27
- You're considering taking out a personal loan in order to cover a large upcoming purchase
- You plan to carry a balance from want the lowest rate possible
- You occasionally use payday advances or credit card cash advances
- You already bank with Greylock Federal Credit Union
- You live, work, or study in eligible areas of MA, VT, or NY
Black Hills Federal Credit Union Visa Signature® Rewards Business Credit Card
Black Hills Federal Credit Union Visa Signature® Rewards Business Credit Card
- 7.75% to 17.90% variable based on creditworthiness Regular Purchase APR
- 7.75% to 17.90% variable based on creditworthiness Balance Transfer APR
- 7.75% to 17.90% variable based on creditworthiness Cash Advance APR
At a Glance
Growing a business is hard work; using a credit card like the Black Hills Federal Credit Union Visa Signature® Rewards Business Credit Card can make it not only easy, but rewarding. Earn 1 reward point per $1 spent on all eligible everyday purchases for your business and take advantage of VIP perks only available with a Visa Signature® card, along with a low, competitive APR and no annual fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1 point for every $1 you spend
- No annual fee, no balance transfer fees, no cash advance fees
- Travel Accident Insurance and Auto Rental Collision Damage Waiver
- 24/7 Card Support for lost or stolen cards, denied transactions, transaction verification and more
- Regular Purchase APR: 7.75% to 17.90% variable based on creditworthiness
- Balance Transfer APR: 7.75% to 17.90% variable based on creditworthiness
- Cash Advance APR: 7.75% to 17.90% variable based on creditworthiness
- Penalty APR: 18%
- Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $22
- You want a business card with no annual fee, no balance transfer fee, and no cash advance fee
- You would like the VIP perks that accompany a Visa Signature® card
- You'll take advantage of a rewards program that earns you 1 point per $1 for everyday purchases
- You're looking for a business card with an easy-to-use mobile app and 24/7 support
PNC Core® Visa® Credit Card
PNC Core® Visa® Credit Card
- 15.99% to 27.99% variable based on creditworthiness Regular Purchase APR
- 15.99% to 27.99% variable based on creditworthiness Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 15 months from account opening date Intro Purchase APR
At a Glance
The PNC Core® Visa® Credit Card offers a low APR and even lower introductory rates on purchases and balance transfers.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn a $100 bonus after you make at least $1,000 in purchases within the first 3 months from account opening
- 0% intro APR on purchases and balance transfers for 15 months
- Low regular APR on purchases
- No annual fee
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 15.99% to 27.99% variable based on creditworthiness
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 15.99% to 27.99% variable based on creditworthiness
- Balance Transfer Transaction Fee: Either $5 or 3% each balance transfer amount, whichever is greater, for first 90 days. After, either $5 or 4% of each transfer amount, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 33.99% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
- You want a credit card with a low variable APR
- You need to transfer a balance to save on interest payments
- You have a large purchase on the horizon that will require multiple payments and that can benefit from 0% interest
- You do not want to pay an annual fee
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What is Considered a Low APR for Credit Cards?
When you think of low interest credit cards, it’s likely that cards with 0% introductory offers are the first that come to mind. However, even those cards have a regular interest rate that applies once the introductory period ends. These regular APRs determine whether a card truly fits into the “low rate” category. In order to identify cards with the best offers, first you need to know what the average rates look like.
The average interest rate for different types of credit cards can vary widely. What’s considered a “low” APR for a retail card may fall in the mid-to-high range when compared to low interest balance transfer credit cards, for example. As a result, the overall average APR across credit card categories stretches widely between 16% and 31%.
Even with this wide range, you can begin to develop a general sense of what may be considered a low APR card. As a general rule of thumb, the BestCards team saves this label for cards with APRs under 15%.
Here are the average interest rates for credit cards by credit score profile:
| Score | APR |
| Excellent Credit | 14.49% |
| Good Credit | 18.99% |
| Average Credit | 24.24% |
| Bad Credit | 29.74% |
| No Credit | 27% |
Many low APR credit cards also come with introductory APR for “x” months on balance transfers or purchases. For example, a credit card may offer 0% APR for 18 months on purchases and balance transfers, or 18 months on balance transfers only. Keep in mind that intro APR on balance transfers does not include balance transfer fees, which typically range around $5 or 3% of the transfer, whichever is greater.
Why Should I Look for Low APR Credit Cards?
Low APR credit cards are those that charge the least amount of interest for qualified cardholders who carry a balance. If you’ve ever carried a balance on a credit card, you likely know why your annual percentage rates (APRs) are important. When you choose to make only the minimum monthly payment on your card, any remaining balance earns interest. The result is then added onto your next bill.
In other words, the higher an interest rate on your credit card is, the more you will end up owing the issuer on balances carried from month-to-month. For instance, say you make your monthly payment and leave a balance of $1,000. Here’s how two very different APRs would play out:
- 10% APR – $8.22 in interest accrued
- 20% APR – $16.44 in interest accrued
If this result seems a bit confusing, it’s because interest calculations for credit cards are based off of a specific formula, which you can learn more about here. Either way, the point is easy to see: low APR cards can help you save more in instances where you can’t make your monthly payment in full. In the long run, this makes it easier to pay off any debt since you won’t accrue as much interest over time.
Are There Low APR Credit Cards for Bad Credit?
Just because you have damaged credit doesn’t mean you can’t get a credit card with a low interest rate on purchases. Here are two examples of credit cards for subprime credit with an everyday low APR:
 First Progress Platinum Prestige Mastercard® |
 Applied Bank Secured Visa® Gold Preferred® |
| A discharged bankruptcy still in your credit bureau file will not cause you to be declined | Absolutely No Credit Check or Minimum Credit Score Required |
| Quick and Complete Online Application; No credit inquiry required! | Automatic Reporting to All Three National Credit Bureaus |
| Monthly Reporting to all 3 Major Credit Bureaus | Activate Today with a $200 Minimum Deposit – Maximum $1,000 |
| Earn 1% cash back rewards | * |
Low APR FAQs
Here are answers to some of the most frequently asked questions about low-interest credit cards:
- Introductory APR offers typically run between six months to twelve months, though there are some offers of fifteen months or more. The longest initial APR period we’ve seen was around 21 months with the old Barclaycard Financing Visa.
- According to the BestCards Average Credit Card APR research, the average APR for a low-interest rate credit card is around 13%. This rate considers the APRs for different credit scores, as well as the variance between larger financial institutions and smaller credit unions.
- Yes. There are several secured credit cards that offer exceptionally low-interest rates for people with bad credit. First Progress offers two secured cards with APRs under 14%:
- Other secured cards that offer a great, low APR include the Assent Platinum 0% Intro Rate Mastercard® (12.99%, plus 0% intro APR), the Applied Bank Secured Visa® (9.99%), and the Oakstone Platinum Secured Mastercard (9.99%).
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Balance Transfer Credit Cards
Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.