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America First Credit Union Visa Platinum Credit Card
- Regular Purchase APR 6.99% to 18% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 6.99% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 6.99% to 18% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Good , Fair
- Processing Network Visa
- No annual fee
- Personalize your card with your own image, and choose from one of four perk options
- No balance transfer fees
- Identity theft recovery feature included standard
- Regular Purchase APR: 6.99% to 18% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 6.99% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 6.99% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: 1.5% of the amount of each cash advance
- 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: $10
Applied Bank Secured Visa® Gold Preferred® Card
- Regular Purchase APR 9.99%
- Cash Advance APR 9.99%
- Annual Fee $48
- Credit Needed Poor , No Credit Required
- Processing Network Visa
- 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
- Regular Purchase APR: 9.99%
- Cash Advance APR: 9.99%
- Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $48
- 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
- Minimum Deposit Required: $200
First Progress Platinum Prestige Mastercard® Secured Credit Card
- Regular Purchase APR 9.99% variable based on the Prime Rate
- Cash Advance APR 18.99% variable based on the Prime Rate
- Annual Fee $49
- Credit Needed Poor , No Credit Required
- Processing Network Mastercard
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined
- Quick and Complete Online Application; No credit inquiry required!
- Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- 24/7 Online Access to Your Account
- Nationwide Program though not yet available in NY, IA, AR, or WI ** See Card Terms
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Regular Purchase APR: 9.99% variable based on the Prime Rate
- Cash Advance APR: 18.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Annual Fee: $49
- Foreign Transaction Fee: 3% of the transaction amount
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $29
- Minimum Deposit Required: $200
Upgrade Visa® Card with Cash Rewards
- Regular Purchase APR 8.99%-29.99% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good , Fair
- Processing Network Visa
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- Combine the flexibility of a card with the low cost and predictability of a loan
- $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
- 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
- Regular Purchase APR: 8.99%-29.99% variable based on creditworthiness and the Prime Rate
Air Force Federal Credit Union Visa Platinum
- Regular Purchase APR 7.75% to 14.75% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 7.75% to 14.75% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 7.75% to 14.75% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Visa
- Low APRs for purchases, balance transfers, and cash advances
- No annual fee
- Earn rewards on all purchases
- Regular Purchase APR: 7.75% to 14.75% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 7.75% to 14.75% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $2 or 2% of the amount of each transfer, whichever is greater
- Cash Advance APR: 7.75% to 14.75% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $2 or 2% of the amount of each cash advance, whichever is greater
- Penalty APR: 17.95%
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $37
- Return Payment Penalty Fee: Up to $25
- Over Limit Penalty Fee: Up to $25
SDCCU Visa Platinum with Fly Miles Plus
- Regular Purchase APR 9.99% 12.99%, 14.99%, or 19.99%, based on creditworthiness
- Balance Transfer APR 13.99%, 16.99%, 18.99%, or 23.99%, based on creditworthiness
- Cash Advance APR 13.99%, 16.99%, 18.99%, or 23.99%, based on creditworthiness
- Annual Fee $0 for the first 12 months. After that, $35
- Credit Needed Excellent , Good
- Processing Network Visa
- Get 1,000 bonus points for signing up
- Get 1,000 bonus points for enrolling in the Fly Miles Plus Reward Program
- Annual fee waived each year you spend at least $6,000
- Earn up to 120,000 points in one year per enrolled card
- Regular Purchase APR: 9.99% 12.99%, 14.99%, or 19.99%, based on creditworthiness
- Balance Transfer APR: 13.99%, 16.99%, 18.99%, or 23.99%, based on creditworthiness
- Balance Transfer Transaction Fee: Either $1 or 2% of the amount of each transfer, whichever is greater
- Cash Advance APR: 13.99%, 16.99%, 18.99%, or 23.99%, based on creditworthiness
- Cash Advance Transaction Fee: Either $1 or 2% of the amount of each cash advance, whichever is greater
- Annual Fee: $0 for the first 12 months. After that, $35
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $10
- Return Payment Penalty Fee: Up to $20
SDCCU Visa Platinum
- Regular Purchase APR 9.99% 12.99%, 14.99%, or 19.99%, based on creditworthiness
- Balance Transfer APR 13.99%, 16.99%, 18.99%, or 23.99%, based on creditworthiness
- Cash Advance APR 13.99%, 16.99%, 18.99%, or 23.99%, based on creditworthiness
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Visa
- Low APRs for purchases, balance transfers, and cash advances
- No annual fee
- Visa credit card protections
- Regular Purchase APR: 9.99% 12.99%, 14.99%, or 19.99%, based on creditworthiness
- Balance Transfer APR: 13.99%, 16.99%, 18.99%, or 23.99%, based on creditworthiness
- Balance Transfer Transaction Fee: Either $1 or 2% of the amount of each transfer, whichever is greater
- Cash Advance APR: 13.99%, 16.99%, 18.99%, or 23.99%, based on creditworthiness
- Cash Advance Transaction Fee: Either $1 or 2% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $10
- Return Payment Penalty Fee: Up to $20
Amegy Bank® AmaZing Cash® Credit Card
- Regular Purchase APR 10.75% to 18.25% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 10.75% to 18.25% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 22.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 6 months on transfers from account opening date
- Processing Network Visa
- Earn 1% cash back on every purchase
- 0% intro purchase APR for 6 months
- 0% intro balance transfer APR for 12 months
- Low regular rates
- Extra savings from AmaZing Deals
- Intro Purchase APR: 0% for 6 months on transfers from account opening date
- Regular Purchase APR: 10.75% to 18.25% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 60 days from account opening date
- Balance Transfer APR: 10.75% to 18.25% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 22.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $2 or 2% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $25
Arvest Bank Visa® Platinum Card
- Regular Purchase APR 12.4% variable based on the Prime Rate
- Balance Transfer APR 12.4% variable based on the Prime Rate
- Cash Advance APR 12.4% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent
- Intro Purchase APR 0% for the first 12 months
- Processing Network Visa
- No annual fee
- Highest credit lines of cards offered by Arvest
- 25-day grace period on purchases
- Enroll in Arvest Flex Rewards at no additional cost
- Intro Purchase APR: 0% for the first 12 months
- Regular Purchase APR: 12.4% variable based on the Prime Rate
- Intro Balance Transfer APR: 0% for the first 12 months
- Balance Transfer APR: 12.4% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 12.4% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $4 or 4% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 1% of each transaction in U.S. dollars
- Late Payment Penalty Fee: $20
- Return Payment Penalty Fee: $25
Security Service Power Mastercard®
- Regular Purchase APR 7.49% to 16.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 8.90% to 9.90% variable based on creditworthiness
- Cash Advance APR 7.49% to 16.74% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good , Fair
- Processing Network Mastercard
- Low APRs on purchases and cash advances
- Even lower fixed rate APRs on balance transfers
- Balance transfer fees capped at $200
- No annual fee
- Regular Purchase APR: 7.49% to 16.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 8.90% to 9.90% variable based on creditworthiness
- Balance Transfer Transaction Fee: Up to 2% of the transfer amount, with a $200 cap
- Cash Advance APR: 7.49% to 16.74% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Up to 2% of the amount of each cash advance
- Foreign Transaction Fee: Up to 1.10% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $20
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.
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 23%.
Even with this wide range, you can begin to develop a general sense for 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 14%.
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.
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How to Get a Low APR Credit Card
You apply for a credit card with a low APR much the same way you would apply for any other card. Namely, you need to submit an application and undergo a hard credit check. Yet even if you get approved for one of the best low interest credit cards, there’s no guarantee you’ll qualify for the lowest rate offered. That’s where your credit score comes into play.
Your Credit Score vs Your Interest Rates
To fully understand this, it helps to know a little about how credit card issuers structure their interest rates. Most financial institutions apply variable rates to their cards. This means that the APRs fluctuate based on an index rate (most commonly the U.S. Prime Rate).
On top of that, many issuers offer a range of APRs for each card, and the one you get will depend on your credit. For example, a card may offer a purchase APR of 13% to 18%. This is why you’ll find phrases like “variable based on creditworthiness and the Prime Rate” in your terms and conditions.
The lowest rates of any credit card are always reserved for the applicants with the best credit scores. This means that even when it comes to low interest cards, bad credit can mean you only qualify for that card’s highest rates. To ensure you get the lowest rate possible, you can:
- Work on your credit score before you apply. This isn’t may not be the easiest option if you’re already facing debt and need a balance transfer card with low rates.
- Look for maximum interest rates lower than your current APRs. If a card’s highest APR is lower than your current rate, it could still be a worthwhile addition to your wallet.
- Choose a card with only one interest rate. Some cards offer APRs that only vary based on the Prime Rate, meaning your credit only plays a role in your initial qualification for the card.
- Search for low fixed interest credit cards. These aren’t very common, but they can really come in handy if you plan to carry a hefty balance, since they don’t fluctuate even with the Prime Rate.
How to Avoid Paying Interest on a Credit Card Entirely
Even the best low APR credit cards charge some interest, which means it’s still better to avoid carrying a balance whenever you can. This means you’ll need to pay your bill in full at the end of each month whenever possible. Without leaving a balance after you make your monthly payment, you will have nothing to accrue interest on. Plus, you’ll have your full credit line available for the next month, which can help keep your credit utilization ratio down.
What Are the Best Low APR Credit Cards?
Within the low APR category, you can find many different types of credit cards to suit your needs. One of the most popular options is the balance transfer card, since these features go hand-in-hand when it comes to paying off debt. What makes a balance transfer card different from a regular low interest card is the ability to transfer these balances – not all credit cards allow you to do so.
Low interest balance transfer cards allow you to transfer debt from higher rate cards, in order to cut down on your interest accrual overall. These often come with other perks too, such as waived balance transfer fees and 0% introductory periods. What you’re left with is a card built for consolidating credit card debt.
One interesting example of a low interest card for balance transfers is the Upgrade Card. While it’s technically more of a credit line than a traditional credit card, it has a similar function. Depending on your credit score, this card can offer you APRs even lower than some of the lowest rate cards.
To use it, you simply borrow funds from the credit line to pay off your high-APR cards and loans. Then, you can pay back the Upgrade at your much lower rate.
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%).
Find the Lowest Interest Rates for Your Wallet
If you need help finding the best credit card with a low interest rate, the BestCards team has the resources you need. Not only do we provide in-depth reviews for over 900 cards, we also have credit card advice and tips to give you the extra confidence you need when comparing offers. Start your hunt for a low rate card today!
