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Showing 65 Cards
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Citi Simplicity® Card
- Regular Purchase APR 15.49% - 25.49% (Variable)
- Balance Transfer APR 15.49% - 25.49% (Variable)
- Cash Advance APR 25.99% (Variable)
- Annual Fee $0
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 12 months on Purchases
- Processing Network Mastercard
- 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 15.49% - 25.49%, 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.
- The standard variable APR for Citi Flex Plan is 15.49% - 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
- Intro Purchase APR: 0% for 12 months on Purchases
- Regular Purchase APR: 15.49% - 25.49% (Variable)
- Intro Balance Transfer APR: 0% for 21 months on Balance Transfers
- Balance Transfer APR: 15.49% - 25.49% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 25.99% (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 $40










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Join today!USAA Rate Advantage Visa Platinum® Card
- Regular Purchase APR 6.9% to 23.9% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 6.9% to 23.9% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 6.9% to 23.9% variable based on creditworthiness and the Prime Rate
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Visa
- Pay no foreign transaction fees when you travel outside the U.S.
- Get free collision damage waiver coverage to pay for physical damage and theft to most vehicle rentals
- Extend your manufacturer's or U.S. store-brand warranties
- No annual fee
- Regular Purchase APR: 6.9% to 23.9% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 6.9% to 23.9% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transfer
- Cash Advance APR: 6.9% to 23.9% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: 3% of the amount of each cash advance. Fee waived when transferring funds electronically to a USAA deposit account
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $35









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Join today!Upgrade Visa® Card with Cash Rewards
- Regular Purchase APR 8.99%-29.99% variable based on creditworthiness and the Prime Rate
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.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









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Join today!Capital One VentureOne Rewards Credit Card
- Regular Purchase APR 15.24%-25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.24%-25.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent
- Intro Purchase APR 0% for the first 15 months that your account is open
- Processing Network Visa
- Earn 20,000 bonus miles after spending $500 within the first 3 months
- Unlimited 1.25X miles per dollar on every purchase
- Transfer miles to 15 available airline partners
- No foreign transaction fees
- 5X miles per dollar when you book car rentals and hotel stays through Capital One Travel
- Intro Purchase APR: 0% for the first 15 months that your account is open
- Regular Purchase APR: 15.24%-25.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for the first 15 months after account opening date
- Balance Transfer APR: 15.24%-25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts at a promotional APR. None for balances transferred at the Transfer APR
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40









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Join today!U.S. Bank Visa® Platinum Card
- Regular Purchase APR 14.74% to 24.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 14.74% to 24.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 26.74% variable based on the Prime Rate
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent
- Intro Purchase APR 0% for 20 months from account opening date
- Processing Network Visa
- Get a 0% introductory APR on purchases and balance transfers for 20 billing cycles
- Receive coverage when pay your monthly cellular bill with your U.S. Bank Visa® Platinum Card
- Detects and notifies you of any unusual card activity to help prevent fraud
- Get your TransUnion® Credit Score at no cost
- Intro Purchase APR: 0% for 20 months from account opening date
- Regular Purchase APR: 14.74% to 24.74% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 20 months on balances transferred within 60 days from account opening
- Balance Transfer APR: 14.74% to 24.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: None
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41









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Join today!Discover it® Chrome Gas & Restaurants
- Regular Purchase APR 12.24% to 23.24% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 12.24% to 23.24% variable based on creditworthiness and Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 18 months from date of account opening
- Processing Network Discover
- 2% cash back at gas stations and restaurants on up to $1,000 per quarter
- 1% cash back on all other purchases
- Discover will match all cash back earned by the cardholder at the end of their first year of card use; there is no limit to the amount of cash back that will be matched
- Cash back rewards never expire
- Get a free Credit Scorecard with your FICO® Credit Score
- No annual fee
- Intro Purchase APR: 0% for 18 months from date of account opening
- Regular Purchase APR: 12.24% to 23.24% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 15 months from date of first transfer
- Balance Transfer APR: 12.24% to 23.24% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Intro fee of 3% of the amount of each transfer for transfers that post to your account by June 10, 2022 with the 0% intro APR balance transfer offer described above. After that, 5% of the amount of each transfer
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: None the first time you pay late. After that, up to $40
- Return Payment Penalty Fee: Up to $40
Arvest Bank Visa® Platinum Card
- Regular Purchase APR 13.24% to 20.24% variable based on creditworthiness
- Balance Transfer APR 13.24% to 20.24% variable based on creditworthiness
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.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
- Earn 1 Arvest Flex Rewards™ point for every $1 you spend on eligible purchases
- Intro Purchase APR: 0% for the first 12 months
- Regular Purchase APR: 13.24% to 20.24% variable based on creditworthiness
- Intro Balance Transfer APR: 0% for the first 12 months
- Balance Transfer APR: 13.24% to 20.24% variable based on creditworthiness
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $4 or 4% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: $25
- Return Payment Penalty Fee: $25









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Join today!PNC Core® Visa® Credit Card
- Regular Purchase APR 10.99% to 22.99% variable based on creditworthiness
- Balance Transfer APR 10.99% to 22.99% variable based on creditworthiness
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Good , Fair
- Intro Purchase APR 0% for 15 months from account opening date
- Processing Network Visa
- 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: 10.99% to 22.99% 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: 10.99% to 22.99% 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: 24.99% 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: 28.99% 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









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Join today!National Bank of Arizona AmaZing Rate® Credit Card
- Regular Purchase APR 5.99% to 11.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 5.99% to 11.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 5.99% to 11.99% variable based on creditworthiness and the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 6 months
- Processing Network Visa
- Enjoy the convenience of one of the lowest interest rates for personal cards on the market
- 0% introductory APR on purchases for 6 months after account opening
- 0% introductory APR on balance transfers for 12 months after account opening
- No annual fee
- Visa Zero Liability
- Intro Purchase APR: 0% for 6 months
- Regular Purchase APR: 5.99% to 11.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months
- Balance Transfer APR: 5.99% to 11.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 5.99% to 11.99% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% 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 $25
- Return Payment Penalty Fee: Up to $25









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Join today!Discover it® Cash Back
- Regular Purchase APR 11.99% to 22.99% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 12.24% to 23.24% variable based on creditworthiness and Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 18 months from account opening
- Processing Network Discover
- 5% cash back in rotating categories each quarter, up to the quarterly maximum, when you activate
- Earn 1% cash back on all other purchases automatically
- Discover matches all of the cash back earned by the cardholder at the end of the first year automatically; there is no limit to how much cash back is matched
- Cash back rewards never expire, earn unlimited cash back
- Use rewards at Amazon checkout
- No annual fee
- Intro Purchase APR: 0% for 18 months from account opening
- Regular Purchase APR: 11.99% to 22.99% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 18 months from date of first transfer
- Balance Transfer APR: 12.24% to 23.24% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transfer posted at the promotional rate. After that, 5% of the amount of each transfer
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: None the first time you pay late. After that, up to $40
- Return Payment Penalty Fee: Up to $40
You've viewed 10 of 65 credit cards
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 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 Are the Best Low APR Credit Cards?
Upgrade Triple Cash Rewards Visa®

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Earn 3% on Home, Auto and Health categories and 1% on everything else
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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!
Upgrade Visa® Card with Cash Rewards

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Unlimited 1.5% cash abck on all purchases
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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 – or any list of the best credit cards in the U.S.
Oakstone Platinum Secured Mastercard®

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Full-Feature Platinum Mastercard*
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No minimum credit score requirements!
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$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.
- 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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