Showing 79 Cards
Sort By Column Name:
Citi® Diamond Preferred® Card
0% Intro APR for 21 Months on Balance Transfers
- Regular Purchase APR 17.24% - 27.99% (Variable)
- Balance Transfer APR 17.24% - 27.99% (Variable)
- Cash Advance APR 29.49% (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
- 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 17.24% - 27.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- Intro Purchase APR: 0% for 12 months on Purchases
- Regular Purchase APR: 17.24% - 27.99% (Variable)
- Intro Balance Transfer APR: 0% for 21 months on Balance Transfers
- Balance Transfer APR: 17.24% - 27.99% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 29.49% (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
+ 0.4% cash back
+ 3.2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 0.8% cash back
+ 3.2% cash back
+ 0.8% cash back
+ 2.4% cash back
Citi Simplicity® Card
0% Intro APR on Purchases and Balance Transfers
- Regular Purchase APR 18.24% - 28.99% (Variable)
- Balance Transfer APR 18.24% - 28.99% (Variable)
- Cash Advance APR 29.49% (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
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening.
- Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
- Intro Purchase APR: 0% for 12 months on Purchases
- Regular Purchase APR: 18.24% - 28.99% (Variable)
- Intro Balance Transfer APR: 0% for 21 months on Balance Transfers
- Balance Transfer APR: 18.24% - 28.99% (Variable)
- Balance Transfer Transaction Fee: There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 29.49% (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
+ 0.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 3.2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 3.2% cash back
Citi Custom Cash℠ Card
Earn 5% Back On Your Top Spending Category
- Regular Purchase APR 18.24% - 28.24% (Variable)
- Balance Transfer APR 18.24% - 28.24% (Variable)
- Cash Advance APR 29.49% (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
- 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 18.24% - 28.24%, 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.
- Intro Purchase APR: 0% for 15 months on Purchases
- Regular Purchase APR: 18.24% - 28.24% (Variable)
- Intro Balance Transfer APR: 0% for 15 months on Balance Transfers
- Balance Transfer APR: 18.24% - 28.24% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 29.49% (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
+ 2.4% cash back
+ 3.2% cash back
+ 0.4% cash back
+ 0.8% cash back
+ 3.2% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
First Progress Platinum Prestige Mastercard® Secured Credit Card
No Credit History or Minimum Credit Score Required
- Regular Purchase APR 14.24% variable based on the Prime Rate
- Cash Advance APR 23.24% 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
- 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!
- Regular Purchase APR: 14.24% variable based on the Prime Rate
- Cash Advance APR: 23.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- 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
+ 0.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 3.2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 3.2% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 2.4% cash back
Capital One VentureOne Rewards Credit Card
Earn 20,000 Bonus Miles
- Regular Purchase APR 19.24% - 29.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 19.24% - 29.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 29.24% 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
- 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: 19.24% - 29.24% 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: 19.24% - 29.24% 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: 29.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: 3% of the amount of the cash advance, but not less than $3
- Late Payment Penalty Fee: Up to $40
+ 0.8% cash back
+ 0.8% cash back
+ 3.2% cash back
+ 0.8% cash back
+ 3.2% cash back
+ 1.2% cash back
+ 0.4% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 0.8% cash back
Upgrade Cash Rewards Visa®
Earn 1.5% Unlimited Cash Back
- 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
- $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 annual fee, $0 activation fees, $0 foreign transaction 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
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
- *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.
- Not available in DC, IA, WV, WI
- Regular Purchase APR: 14.99%-29.99% variable based on creditworthiness and the Prime Rate
+ 0.8% cash back
+ 2.4% cash back
+ 3.2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 3.2% cash back
+ 1.2% cash back
+ 0.4% cash back
+ 0.8% cash back
+ 0.8% cash back
Greylock Federal Credit Union Elevate Card
0% APR on Purchases and Balance Transfers
- Regular Purchase APR See Terms
- Balance Transfer APR See Terms
- Cash Advance APR See Terms
- 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 See Terms
- Processing Network Visa
- No annual fee
- Low, competitive interest rates
- Special introductory purchase APR of 0% for first six months of account opening
- Travel and accident insurance
- Intro Purchase APR: See Terms
- Regular Purchase APR: See Terms
- Intro Balance Transfer APR: See Terms
- Balance Transfer APR: See Terms
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: See Terms
- Cash Advance Transaction Fee: Either $10 or 2% of the amount of each cash advance, whichever is greater (maximum $25)
- Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $27
- Return Payment Penalty Fee: Up to $27
+ 1.2% cash back
+ 0.8% cash back
+ 3.2% cash back
+ 2.4% cash back
+ 3.2% cash back
+ 0.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
Black Hills Federal Credit Union Visa Signature® Rewards Business Credit Card
Earn Rewards and Enjoy VIP Signature® Treatment
- 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 Visa
- Earn 1 point for every $1 you spend
- No annual fee, no balance transfer fees, no cash advance fees
- Travel Accident Insurance and Auto Rental Collision Damage Waiver
- 24/7 Card Support for lost or stolen cards, denied transactions, transaction verification and more
- Regular Purchase APR: 7.75% to 17.90% variable based on creditworthiness
- Balance Transfer APR: 7.75% to 17.90% variable based on creditworthiness
- Cash Advance APR: 7.75% to 17.90% variable based on creditworthiness
- Penalty APR: 18%
- Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $22
+ 0.4% cash back
+ 3.2% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 3.2% cash back
+ 0.8% cash back
+ 0.8% cash back
Oregon State Business Visa
Manage Business and Personal Expenses Separately
- Regular Purchase APR 9.99% to 18.00% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 18%
- Cash Advance APR 18.00% Fixed
- Annual Fee $25
-
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
- No fees for cash advances or balance transfers
- Annual fee waived if card is used once every 12 months
- Employee cards with unique spending limits available
- Regular Purchase APR: 9.99% to 18.00% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 18%
- Cash Advance APR: 18.00% Fixed
- Annual Fee: $25
- Late Payment Penalty Fee: $25
+ 2.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 0.4% cash back
+ 0.8% cash back
+ 3.2% cash back
+ 3.2% cash back
Family Security Visa Platinum Business
Handle Your Business with the Purchasing Power of Visa
- Regular Purchase APR See Terms*
- Balance Transfer APR See Terms*
- Cash Advance APR See Terms*
- 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
- No annual fee
- Credit limit up to $15,000
- 100% of the credit limit is available for cash advances
- 25-day grace period on purchases
- Regular Purchase APR: See Terms*
- Balance Transfer APR: See Terms*
- Cash Advance APR: See Terms*
- Foreign Transaction Fee: 1% of the transaction in U.S. dollars
- Late Payment Penalty Fee: $35
+ 0.8% cash back
+ 1.2% cash back
+ 3.2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 3.2% cash back
+ 2.4% cash back
You've viewed 10 of 79 credit cards
This post may contain links from partner offers, and we may receive compensation when you click on links to these offers. Please see our advertiser and editorial disclosures above for more information. Citi is an advertising partner.
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®
-
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!
Upgrade Cash Rewards Visa®
-
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%).
Related Content
How to Calculate and Understand Credit Card Interest
Knowing what interest charges actually are and how credit card interest is calculated can give you the knowledge to get out of debt faster.
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.