Explore the Best Low APR Credit Cards

The best low APR credit card is just a few clicks away. BestCards.com’s reviews of low APR credit cards can help you find the perfect product to meet your financial needs. Browse our detailed credit card reviews below and find your ideal match today.

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First Progress Platinum Prestige Mastercard® Secured Credit Card

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
Best Benefits
  • 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
  • ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia.
Rates & Fees
  • 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
Credit Card Deals
card
33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
card
New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
card
Receive up to 50% off hotels in addition to a 1% rebate CheckINN Direct Offer Expires on Dec 12, 2030 See Details
card
Save 15% Monster Offer Expires on Dec 12, 2030 See Details
card
Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription Coworker Offer Expires on Dec 12, 2030 See Details
card
Save up to 20% Squarespace Offer Expires on Dec 12, 2030 See Details
card
Save $500.00 Alibaba Offer Expires on Dec 12, 2022 See Details
card
Episode 1: Discover tequila secrets with the founders of Volcán de mi Tierra PijamaSurf Offer Expires on Dec 12, 2021 See Details
card
Mix it up during an online cocktail masterclass with Archie Rose Distilling Co. Archie Rose Distilling Co. Offer Expires on May 05, 2022 See Details
card
Be enchanted by the colours of Emilio Pucci Mastercard with Camera della Moda (CNMI) Offer Expires on Dec 12, 2021 See Details

Upgrade Visa® Card with Cash Rewards

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
Best Benefits
  • 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
Rates & Fees
  • Regular Purchase APR: 8.99%-29.99% variable based on creditworthiness and the Prime Rate
Credit Card Deals
card
Save $25 in the US with 1-800-GOT-JUNK? 1-800-GOT-JUNK? Offer Expires on Dec 12, 2021 See Details
card
Get an exclusive upgrade to BarkBox for FREE. BarkBox Offer Expires on Dec 12, 2021 See Details
card
Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on Jan 01, 2022 See Details
card
Visa Signature and Visa Infinite Cardmembers receive benefits* at over 50 wineries. Valid for U.S. and Canada issued cards. Explore Sonoma County Wineries Offer Expires on Dec 12, 2021 See Details
card
Same-day delivery from a variety of stores you love. Shipt Offer Expires on Dec 12, 2024 See Details
card
20% Off + Free Shipping over $50 for New Customers Vistaprint Offer Expires on Jan 01, 2022 See Details
card
20% off + Free Shipping on Fanatics.com orders of $49+ Fanatics.com Offer Expires on Jan 01, 2022 See Details
card
20% off your NFLShop.com order over $49. NFLShop.com Offer Expires on Dec 12, 2021 See Details
card
30% Off Sitewide at Totes.com Totes Offer Expires on Apr 04, 2022 See Details
card
30% Off sitewide at Isotoner.com Isotoner Offer Expires on Apr 04, 2022 See Details

America First Credit Union Visa Platinum Credit Card

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
Best Benefits
  • 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
Rates & Fees
  • 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
Credit Card Deals
card
Save $25 in the US with 1-800-GOT-JUNK? 1-800-GOT-JUNK? Offer Expires on Dec 12, 2021 See Details
card
Get an exclusive upgrade to BarkBox for FREE. BarkBox Offer Expires on Dec 12, 2021 See Details
card
Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on Jan 01, 2022 See Details
card
Visa Signature and Visa Infinite Cardmembers receive benefits* at over 50 wineries. Valid for U.S. and Canada issued cards. Explore Sonoma County Wineries Offer Expires on Dec 12, 2021 See Details
card
Same-day delivery from a variety of stores you love. Shipt Offer Expires on Dec 12, 2024 See Details
card
20% Off + Free Shipping over $50 for New Customers Vistaprint Offer Expires on Jan 01, 2022 See Details
card
20% off + Free Shipping on Fanatics.com orders of $49+ Fanatics.com Offer Expires on Jan 01, 2022 See Details
card
20% off your NFLShop.com order over $49. NFLShop.com Offer Expires on Dec 12, 2021 See Details
card
30% Off Sitewide at Totes.com Totes Offer Expires on Apr 04, 2022 See Details
card
30% Off sitewide at Isotoner.com Isotoner Offer Expires on Apr 04, 2022 See Details

Air Force Federal Credit Union Visa Platinum

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
Best Benefits
  • Low APRs for purchases, balance transfers, and cash advances
  • No annual fee
  • Earn rewards on all purchases
Rates & Fees
  • 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
Credit Card Deals
card
Save $25 in the US with 1-800-GOT-JUNK? 1-800-GOT-JUNK? Offer Expires on Dec 12, 2021 See Details
card
Get an exclusive upgrade to BarkBox for FREE. BarkBox Offer Expires on Dec 12, 2021 See Details
card
Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on Jan 01, 2022 See Details
card
Visa Signature and Visa Infinite Cardmembers receive benefits* at over 50 wineries. Valid for U.S. and Canada issued cards. Explore Sonoma County Wineries Offer Expires on Dec 12, 2021 See Details
card
Same-day delivery from a variety of stores you love. Shipt Offer Expires on Dec 12, 2024 See Details
card
20% Off + Free Shipping over $50 for New Customers Vistaprint Offer Expires on Jan 01, 2022 See Details
card
20% off + Free Shipping on Fanatics.com orders of $49+ Fanatics.com Offer Expires on Jan 01, 2022 See Details
card
20% off your NFLShop.com order over $49. NFLShop.com Offer Expires on Dec 12, 2021 See Details
card
30% Off Sitewide at Totes.com Totes Offer Expires on Apr 04, 2022 See Details
card
30% Off sitewide at Isotoner.com Isotoner Offer Expires on Apr 04, 2022 See Details

SDCCU Visa Platinum with Fly Miles Plus

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
Best Benefits
  • 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
Rates & Fees
  • 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
Credit Card Deals
card
Save $25 in the US with 1-800-GOT-JUNK? 1-800-GOT-JUNK? Offer Expires on Dec 12, 2021 See Details
card
Get an exclusive upgrade to BarkBox for FREE. BarkBox Offer Expires on Dec 12, 2021 See Details
card
Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on Jan 01, 2022 See Details
card
Visa Signature and Visa Infinite Cardmembers receive benefits* at over 50 wineries. Valid for U.S. and Canada issued cards. Explore Sonoma County Wineries Offer Expires on Dec 12, 2021 See Details
card
Same-day delivery from a variety of stores you love. Shipt Offer Expires on Dec 12, 2024 See Details
card
20% Off + Free Shipping over $50 for New Customers Vistaprint Offer Expires on Jan 01, 2022 See Details
card
20% off + Free Shipping on Fanatics.com orders of $49+ Fanatics.com Offer Expires on Jan 01, 2022 See Details
card
20% off your NFLShop.com order over $49. NFLShop.com Offer Expires on Dec 12, 2021 See Details
card
30% Off Sitewide at Totes.com Totes Offer Expires on Apr 04, 2022 See Details
card
30% Off sitewide at Isotoner.com Isotoner Offer Expires on Apr 04, 2022 See Details

SDCCU Visa Platinum

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
Best Benefits
  • Low APRs for purchases, balance transfers, and cash advances
  • No annual fee
  • Visa credit card protections
Rates & Fees
  • 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
Credit Card Deals
card
Save $25 in the US with 1-800-GOT-JUNK? 1-800-GOT-JUNK? Offer Expires on Dec 12, 2021 See Details
card
Get an exclusive upgrade to BarkBox for FREE. BarkBox Offer Expires on Dec 12, 2021 See Details
card
Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on Jan 01, 2022 See Details
card
Visa Signature and Visa Infinite Cardmembers receive benefits* at over 50 wineries. Valid for U.S. and Canada issued cards. Explore Sonoma County Wineries Offer Expires on Dec 12, 2021 See Details
card
Same-day delivery from a variety of stores you love. Shipt Offer Expires on Dec 12, 2024 See Details
card
20% Off + Free Shipping over $50 for New Customers Vistaprint Offer Expires on Jan 01, 2022 See Details
card
20% off + Free Shipping on Fanatics.com orders of $49+ Fanatics.com Offer Expires on Jan 01, 2022 See Details
card
20% off your NFLShop.com order over $49. NFLShop.com Offer Expires on Dec 12, 2021 See Details
card
30% Off Sitewide at Totes.com Totes Offer Expires on Apr 04, 2022 See Details
card
30% Off sitewide at Isotoner.com Isotoner Offer Expires on Apr 04, 2022 See Details

Amegy Bank® AmaZing Cash® Credit Card

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
Best Benefits
  • 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
Rates & Fees
  • 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
Credit Card Deals
card
Save $25 in the US with 1-800-GOT-JUNK? 1-800-GOT-JUNK? Offer Expires on Dec 12, 2021 See Details
card
Get an exclusive upgrade to BarkBox for FREE. BarkBox Offer Expires on Dec 12, 2021 See Details
card
Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on Jan 01, 2022 See Details
card
Visa Signature and Visa Infinite Cardmembers receive benefits* at over 50 wineries. Valid for U.S. and Canada issued cards. Explore Sonoma County Wineries Offer Expires on Dec 12, 2021 See Details
card
Same-day delivery from a variety of stores you love. Shipt Offer Expires on Dec 12, 2024 See Details
card
20% Off + Free Shipping over $50 for New Customers Vistaprint Offer Expires on Jan 01, 2022 See Details
card
20% off + Free Shipping on Fanatics.com orders of $49+ Fanatics.com Offer Expires on Jan 01, 2022 See Details
card
20% off your NFLShop.com order over $49. NFLShop.com Offer Expires on Dec 12, 2021 See Details
card
30% Off Sitewide at Totes.com Totes Offer Expires on Apr 04, 2022 See Details
card
30% Off sitewide at Isotoner.com Isotoner Offer Expires on Apr 04, 2022 See Details

Arvest Bank Visa® Platinum Card

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
Best Benefits
  • 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
Rates & Fees
  • 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
Credit Card Deals
card
Save $25 in the US with 1-800-GOT-JUNK? 1-800-GOT-JUNK? Offer Expires on Dec 12, 2021 See Details
card
Get an exclusive upgrade to BarkBox for FREE. BarkBox Offer Expires on Dec 12, 2021 See Details
card
Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on Jan 01, 2022 See Details
card
Visa Signature and Visa Infinite Cardmembers receive benefits* at over 50 wineries. Valid for U.S. and Canada issued cards. Explore Sonoma County Wineries Offer Expires on Dec 12, 2021 See Details
card
Same-day delivery from a variety of stores you love. Shipt Offer Expires on Dec 12, 2024 See Details
card
20% Off + Free Shipping over $50 for New Customers Vistaprint Offer Expires on Jan 01, 2022 See Details
card
20% off + Free Shipping on Fanatics.com orders of $49+ Fanatics.com Offer Expires on Jan 01, 2022 See Details
card
20% off your NFLShop.com order over $49. NFLShop.com Offer Expires on Dec 12, 2021 See Details
card
30% Off Sitewide at Totes.com Totes Offer Expires on Apr 04, 2022 See Details
card
30% Off sitewide at Isotoner.com Isotoner Offer Expires on Apr 04, 2022 See Details

Security Service Power Mastercard®

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
Best Benefits
  • Low APRs on purchases and cash advances
  • Even lower fixed rate APRs on balance transfers
  • Balance transfer fees capped at $200
  • No annual fee
Rates & Fees
  • 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
Credit Card Deals
card
33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
card
New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
card
Receive up to 50% off hotels in addition to a 1% rebate CheckINN Direct Offer Expires on Dec 12, 2030 See Details
card
Save 15% Monster Offer Expires on Dec 12, 2030 See Details
card
Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription Coworker Offer Expires on Dec 12, 2030 See Details
card
Save up to 20% Squarespace Offer Expires on Dec 12, 2030 See Details
card
Save $500.00 Alibaba Offer Expires on Dec 12, 2022 See Details
card
Episode 1: Discover tequila secrets with the founders of Volcán de mi Tierra PijamaSurf Offer Expires on Dec 12, 2021 See Details
card
Mix it up during an online cocktail masterclass with Archie Rose Distilling Co. Archie Rose Distilling Co. Offer Expires on May 05, 2022 See Details
card
Be enchanted by the colours of Emilio Pucci Mastercard with Camera della Moda (CNMI) Offer Expires on Dec 12, 2021 See Details

BrightStar Credit Union Visa Platinum Card

BrightStar Credit Union Visa Platinum Card
  • Regular Purchase APR 8.99% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 8.99% to 18% variable based on the Prime Rate
  • Cash Advance APR 8.99% to 18% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair , Poor
  • Processing Network Visa
Best Benefits
  • 3.99% introductory APR for 6 months on balance transfers
  • Low regular APR
  • No annual fee
  • No balance transfer fees
  • Credit limits of up to $50,000
  • Low cash advance and foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 8.99% to 18% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 3.99% for 6 months on transfers made within 60 days from account opening date
  • Balance Transfer APR: 8.99% to 18% variable based on the Prime Rate
  • Cash Advance APR: 8.99% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: $1 ATM Cash Advance Fee
  • Foreign Transaction Fee: up to 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals
card
Save $25 in the US with 1-800-GOT-JUNK? 1-800-GOT-JUNK? Offer Expires on Dec 12, 2021 See Details
card
Get an exclusive upgrade to BarkBox for FREE. BarkBox Offer Expires on Dec 12, 2021 See Details
card
Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on Jan 01, 2022 See Details
card
Visa Signature and Visa Infinite Cardmembers receive benefits* at over 50 wineries. Valid for U.S. and Canada issued cards. Explore Sonoma County Wineries Offer Expires on Dec 12, 2021 See Details
card
Same-day delivery from a variety of stores you love. Shipt Offer Expires on Dec 12, 2024 See Details
card
20% Off + Free Shipping over $50 for New Customers Vistaprint Offer Expires on Jan 01, 2022 See Details
card
20% off + Free Shipping on Fanatics.com orders of $49+ Fanatics.com Offer Expires on Jan 01, 2022 See Details
card
20% off your NFLShop.com order over $49. NFLShop.com Offer Expires on Dec 12, 2021 See Details
card
30% Off Sitewide at Totes.com Totes Offer Expires on Apr 04, 2022 See Details
card
30% Off sitewide at Isotoner.com Isotoner Offer Expires on Apr 04, 2022 See Details

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.

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 hereEither 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 Are the Best Low APR Credit Cards? 

Best for: Rewards

Upgrade Triple Cash Rewards Visa®

Unlimited Cash Back on Purchases
  • Earn 3% on Home, Auto and Health categories and 1% on everything else
  • No fees of any kind!
☆ $0 Annual Fee, $0 Maintenance Fees
☆ Quick Online Pre-Approval
☆ Exceptionally Low APR

The Upgrade Triple Cash Rewards Visa® is a versatile, impressive credit card for those that want an exceptional APR, solid rewards, and a whole lot more. The addition of up to 3% cash back on home, auto, and health purchases is equally impressive and makes the card an everyday earner that just so happens to help you reduce your existing credit card debt. Plus, since those rewards can be applied towards statement credits, using the card every day can really help put a dent in existing debt in no time!

Best for: Cash Back

Upgrade Visa® Card with Cash Rewards

upgrade visa credit card
Earn Unlimited Cash Back
  • Unlimited 1.5% cash abck on all purchases
  • No fees of any kind!
☆ $0 Annual Fee, $0 Maintenance Fees
☆ Quick Online Pre-Approval
☆ Exceptionally Low APR

The Upgrade Visa® Card with Cash Rewards offers no fees, low rates, cash back, and credit lines up to $20,000 in one unique package. The card provides the flexibility and predictability consumers need to quickly pay down balances and get debt-free. The Upgrade credit card is one of the lowest regular APR credit cards on the market for those with excellent credit scores, putting it firmly on any list of the best balance transfer credit card deals of 2021 – or any list of the best credit cards in the U.S.

Best for: Bad Credit

Oakstone Platinum Secured Mastercard®

Variable APR Under 10%
  • Full-Feature Platinum Mastercard*
  • No minimum credit score requirements!
  • $49 annual fee
☆ Quick Application
☆ $200 Minimum Deposit
☆ 24/7 Online Access to Your Account
☆ Use Anywhere Mastercard's Accepted!

The Oakstone Platinum Secured Mastercard® is an exciting secured credit card that provides a tremendous low APR, no monthly service fees, and monthly reporting to all the major credit reporting bureaus. The card, issued through Synovus Bank, features a modest $49 annual fee and the purchasing power of the Mastercard payment network. 

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.

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