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Citi® Diamond Preferred® Card
- Regular Purchase APR 16.74% - 26.74% (Variable)
- Balance Transfer APR 16.74% - 26.74% (Variable)
- Cash Advance APR 28.24% (Variable)
- Annual Fee $0
-
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
Best Benefits
- 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 16.74% - 26.74%, 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.
Rates & Fees
- Intro Purchase APR: 0% for 12 months on Purchases
- Regular Purchase APR: 16.74% - 26.74% (Variable)
- Intro Balance Transfer APR: 0% for 21 months on Balance Transfers
- Balance Transfer APR: 16.74% - 26.74% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 28.24% (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
Credit Card Deals
Receive a 5% rebate on your search advertising campaign on the Microsoft Advertising Network
Microsoft
Offer Expires on 12/31/2023
See Details
Get creative with a digital colouring book by artist Jenny Haslimeier
Jenny Haslimeier
Offer Expires on 09/30/2022
See Details
Embark on an adventure in the caves and craters around Mount Etna
Go-Etna
Offer Expires on 01/24/2031
See Details
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Citi Custom Cash℠ Card
- Regular Purchase APR 16.99% - 26.99% (Variable)
- Balance Transfer APR 16.99% - 26.99% (Variable)
- Cash Advance APR 28.24% (Variable)
- Annual Fee $0
-
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 15 months on Purchases
- Processing Network Mastercard
Best Benefits
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 16.99% - 26.99%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for - as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash℠ Card account per person.
Rates & Fees
- Intro Purchase APR: 0% for 15 months on Purchases
- Regular Purchase APR: 16.99% - 26.99% (Variable)
- Intro Balance Transfer APR: 0% for 15 months on Balance Transfers
- Balance Transfer APR: 16.99% - 26.99% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 28.24% (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
Credit Card Deals
Receive a 5% rebate on your search advertising campaign on the Microsoft Advertising Network
Microsoft
Offer Expires on 12/31/2023
See Details
Get creative with a digital colouring book by artist Jenny Haslimeier
Jenny Haslimeier
Offer Expires on 09/30/2022
See Details
Embark on an adventure in the caves and craters around Mount Etna
Go-Etna
Offer Expires on 01/24/2031
See Details
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Citi Simplicity® Card
- Regular Purchase APR 17.74% - 27.74% (Variable)
- Balance Transfer APR 17.74% - 27.74% (Variable)
- Cash Advance APR 28.24% (Variable)
- Annual Fee $0
-
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
Best Benefits
- 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 17.74% - 27.74%, 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.
- Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
Rates & Fees
- Intro Purchase APR: 0% for 12 months on Purchases
- Regular Purchase APR: 17.74% - 27.74% (Variable)
- Intro Balance Transfer APR: 0% for 21 months on Balance Transfers
- Balance Transfer APR: 17.74% - 27.74% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 28.24% (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
Credit Card Deals
Receive a 5% rebate on your search advertising campaign on the Microsoft Advertising Network
Microsoft
Offer Expires on 12/31/2023
See Details
Get creative with a digital colouring book by artist Jenny Haslimeier
Jenny Haslimeier
Offer Expires on 09/30/2022
See Details
Embark on an adventure in the caves and craters around Mount Etna
Go-Etna
Offer Expires on 01/24/2031
See Details
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Upgrade Cash Rewards Visa®
- Regular Purchase APR 14.99%-29.99% 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 , Fair
- Processing Network Visa
Best Benefits
- Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- Combine the flexibility of a credit card with the predictability of a personal 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
- Access to a virtual card while you wait for your card to arrive in the mail
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
- *To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.
Rates & Fees
- Regular Purchase APR: 14.99%-29.99% variable based on creditworthiness and the Prime Rate
Credit Card Deals
Reserve a qualifying Norwegian Cruise Line voyage and receive up to a $500 onboard spending credit
Norwegian Cruise Line
Offer Expires on 12/30/2022
See Details
20% Off Suites + Premium Benefits in New York City
Casa Cipriani
Offer Expires on 12/30/2022
See Details
Save $50 of orders $350 or more at Citizen Watch
Citizen Watch
Offer Expires on 12/31/2022
See Details
Every 4th Night Free + Premium Benefits in New York City
Mr C. Seaport
Offer Expires on 12/31/2022
See Details
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!First Progress Platinum Prestige Mastercard® Secured Credit Card
- Regular Purchase APR 12.99% variable based on the Prime Rate
- Cash Advance APR 21.99% variable based on the Prime Rate
- Annual Fee $49
-
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.Poor , No Credit Required
- Processing Network Mastercard
Best Benefits
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application; No credit inquiry required!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide program; available in all 50 US states *See Card Terms
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined
- ¡Hablamos Español! Nuestros representantes de servicio al cliente hablan Español con fluidez para su conveniencia
- Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!
Rates & Fees
- Regular Purchase APR: 12.99% variable based on the Prime Rate
- Cash Advance APR: 21.99% 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 $41
- Return Payment Penalty Fee: Up to $30
- Minimum Deposit Required: $200
Credit Card Deals
Receive a 5% rebate on your search advertising campaign on the Microsoft Advertising Network
Microsoft
Offer Expires on 12/31/2023
See Details
Get creative with a digital colouring book by artist Jenny Haslimeier
Jenny Haslimeier
Offer Expires on 09/30/2022
See Details
Embark on an adventure in the caves and craters around Mount Etna
Go-Etna
Offer Expires on 01/24/2031
See Details
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Capital One VentureOne Rewards Credit Card
- Regular Purchase APR 16.49%, 22.49% or 26.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 16.49%, 22.49% or 26.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 26.49% 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 15 months that your account is open
- Processing Network Visa
Best Benefits
- 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
Rates & Fees
- Intro Purchase APR: 0% for the first 15 months that your account is open
- Regular Purchase APR: 16.49%, 22.49% or 26.49% 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: 16.49%, 22.49% or 26.49% 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: 26.49% 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
Credit Card Deals
Reserve a qualifying Norwegian Cruise Line voyage and receive up to a $500 onboard spending credit
Norwegian Cruise Line
Offer Expires on 12/30/2022
See Details
20% Off Suites + Premium Benefits in New York City
Casa Cipriani
Offer Expires on 12/30/2022
See Details
Save $50 of orders $350 or more at Citizen Watch
Citizen Watch
Offer Expires on 12/31/2022
See Details
Every 4th Night Free + Premium Benefits in New York City
Mr C. Seaport
Offer Expires on 12/31/2022
See Details
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!USAA Rate Advantage Visa Platinum® Card
- Regular Purchase APR 6.90% to 23.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 6.90% to 23.90% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 6.90% to 23.90% 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
- Processing Network Visa
Best Benefits
- 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
Rates & Fees
- Regular Purchase APR: 6.90% to 23.90% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% Introductory APR through your 02/01/2024 billing cycle
- Balance Transfer APR: 6.90% to 23.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transfer
- Cash Advance APR: 6.90% to 23.90% 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
Credit Card Deals
Reserve a qualifying Norwegian Cruise Line voyage and receive up to a $500 onboard spending credit
Norwegian Cruise Line
Offer Expires on 12/30/2022
See Details
20% Off Suites + Premium Benefits in New York City
Casa Cipriani
Offer Expires on 12/30/2022
See Details
Save $50 of orders $350 or more at Citizen Watch
Citizen Watch
Offer Expires on 12/31/2022
See Details
Every 4th Night Free + Premium Benefits in New York City
Mr C. Seaport
Offer Expires on 12/31/2022
See Details
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!U.S. Bank Visa® Platinum Card
- Regular Purchase APR 17.49% to 27.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 17.49% to 27.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 28.99% 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 20 months from account opening date
- Processing Network Visa
Best Benefits
- 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
Rates & Fees
- Intro Purchase APR: 0% for 20 months from account opening date
- Regular Purchase APR: 17.49% to 27.49% 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: 17.49% to 27.49% 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: 28.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- 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
Credit Card Deals
Reserve a qualifying Norwegian Cruise Line voyage and receive up to a $500 onboard spending credit
Norwegian Cruise Line
Offer Expires on 12/30/2022
See Details
20% Off Suites + Premium Benefits in New York City
Casa Cipriani
Offer Expires on 12/30/2022
See Details
Save $50 of orders $350 or more at Citizen Watch
Citizen Watch
Offer Expires on 12/31/2022
See Details
Every 4th Night Free + Premium Benefits in New York City
Mr C. Seaport
Offer Expires on 12/31/2022
See Details
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Citizens Bank Clear Value® Mastercard®
- Regular Purchase APR 16.24%, 20.24%, or 24.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 16.24%, 20.24%, or 24.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 27.24% 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.Good
- Processing Network Mastercard
Best Benefits
- Introductory 0% APR on balance transfers for 18 months from account opening date
- No annual fee
- Travel accident and baggage delay insurance included
- Digital wallet compatibility for in-store and in-app touchless purchases
Rates & Fees
- Regular Purchase APR: 16.24%, 20.24%, or 24.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 18 months from date of account opening date
- Balance Transfer APR: 16.24%, 20.24%, or 24.24% 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: 27.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or up to 3% of the amount of each cash advance, whichever is greater
- Penalty APR: Up to 29.99%
- Foreign Transaction Fee: Either $1.50 or 3% of the U.S. dollar amount of each transaction, whichever is greater
- Late Payment Penalty Fee: Up to $40
Credit Card Deals
Receive a 5% rebate on your search advertising campaign on the Microsoft Advertising Network
Microsoft
Offer Expires on 12/31/2023
See Details
Get creative with a digital colouring book by artist Jenny Haslimeier
Jenny Haslimeier
Offer Expires on 09/30/2022
See Details
Embark on an adventure in the caves and craters around Mount Etna
Go-Etna
Offer Expires on 01/24/2031
See Details
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!Black Hills Federal Credit Union Visa Signature® Rewards Business Credit Card
- 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
- 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
- Processing Network N/A
Best Benefits
- 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
Rates & Fees
- 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've viewed 10 of 76 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?
Ideal for: Earning accelerated 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!
Ideal for: Earning cash back rewards
Upgrade Cash Rewards Visa®
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 Cash Rewards Visa® 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.
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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Federal Reserve Keeps Low Interest Rates for Now
The Federal Reserve is keeping low interest rates for the time being, according to its latest meeting. But economic growth is predicted.
Should You Pay A Higher Annual Fee On a Secured Card for a Lower APR?
Should you pay a higher annual fee for a lower APR with a secured credit card? Learn how to determine which secured credit card offer is right for you.