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Randolph-Brooks Premier Rate Mastercard
Randolph-Brooks Premier Rate Mastercard
- 11.95% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 11.95% to 18.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 11.95% to 18.00% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Randolph-Brooks Premier Rate Credit Card is designed for those that want an exceptionally low APR for conducting balance transfers, paying down existing credit card balances, or making purchases and spreading the cost over time. The card features a typical APR of around 10% for those with excellent credit, as well as 0% introductory APR on cash advances and balance transfers for the first 12 months. The card also features no annual fees or foreign transaction fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Excellent low APR
- No foreign transaction fees
- 0% introductory APR for 12 months from account opening
- Regular Purchase APR: 11.95% to 18.00% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 11.95% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 11.95% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Up to 2% of the amount of each cash advance
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $24
- You live in either Austin, Corpus Christi, Dallas, or San Antonio
- You want an exceptional APR
- You don’t want to pay an annual fee
M&T Visa Credit Card
M&T Visa Credit Card
- 18.24% to 22.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.24% to 22.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 27.24% varies based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
The M&T Visa Credit Card from M&T Bank is ideal for those who want a hassle-free credit card with a low APR, the convenience of multiple payment options, and the security and global purchasing power for which Visa is renowned. The card features no annual fee, no foreign transaction fees, and an introductory 0% APR on purchases and balance transfers for the first 12 months.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% introductory APR for the first 12 months after opening account
- Ability to pay with Apple Pay®, Google Pay™ or Samsung Pay
- Low APR after 0% introductory period ends
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 18.24% to 22.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 18.24% to 22.24% 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: 27.24% varies based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 24.99% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $25
- You want a straightforward card with no annual fee
- You're looking for the convenience to pay via multiple digital methods, including Apple Pay®, Google Pay™ or Samsung Pay
- You want a card with 0% introductory APR and a low APR after that
- You want peace of mind with your credit card’s security – especially when traveling abroad
Los Angeles Federal Credit Union Signature Rewards Platinum Credit Card
Los Angeles Federal Credit Union Signature Rewards Platinum Credit Card
- 13.99% to 18% variable based on the Prime Rate Regular Purchase APR
- 13.99% to 18% variable based on the Prime Rate Balance Transfer APR
- 13.99% to 18% variable based on the Prime Rate Cash Advance APR
- 4.90% for 6 months (for transactions during the first 90 days) Intro Purchase APR
At a Glance
The Signature Rewards Platinum Credit Card from Los Angeles Federal Credit Union (LAFCU) is a great tool for those who wish to save money while earning rewards from everyday purchases thanks to a competitive, low interest rate, no annual fee, and an intro APR of 0%, but a few of these cards feature a credit limit as high as this credit card from LAFCU.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% APR for first 6 months on all transactions made within 90 days of opening account
- Spend $3,000 in the first 90 days of opening account to earn 6,000 bonus points
- Earn 2 points per dollar spent on gas, groceries, restaurants and travel
- Earn 1 point per dollar spent on net purchases
- Intro Purchase APR: 4.90% for 6 months (for transactions during the first 90 days)
- Regular Purchase APR: 13.99% to 18% variable based on the Prime Rate
- Intro Balance Transfer APR: 4.90% for 6 months (for transactions during the first 90 days)
- Balance Transfer APR: 13.99% to 18% variable based on the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount transferred ($10 minumum and $250 maximum)
- Cash Advance APR: 13.99% to 18% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 2% of the amount advanced plus $2.50, whichever is greater (for advances at ATMs owned by Los Angeles Federal Credit Union)Either $10.00, or 2.00% of the amount advanced, whichever is greater (for advances at ATMs not owned by Los Angeles Federal Credit Union)
- Penalty APR: 17.90%
- Foreign Transaction Fee: 1% of each foreign currency transaction in U.S. dollars. 1% of each U.S. Dollar transaction that occurs in a foreign country.
- Late Payment Penalty Fee: Up to $20
- Return Payment Penalty Fee: Up to $26
- You live in Southern California
- You want a rewards card with no annual fees
- You want to earn rewards points from everyday spending and travel purchases
- You will spend $3,000 in the first 90 days of opening an account to take advantage of a special introductory bonus of 6,000 extra points
- You want a card with a low, competitive annual percentage rate and a hefty line of credit
Huntington Bank Voice Low Rate
Huntington Bank Voice Low Rate
- 15.24% to 27.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.24% to 27.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The Voice Low Rate Card from the Huntington Bank is a balance transfer and low APR card that simply can’t escape the shadow of its Rewards Card sibling. The card benefits from 0% intro APR on balance transfers for the first 12 months, no balance transfer fees, and a regular APR that is 2% lower than what comes with the Rewards Card. The card also features no foreign transaction fees and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No penalty APR
- Get an extra day to pay if you miss a payment with Late Fee Grace
- No foreign transaction fee
- Regular Purchase APR: 15.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 15.24% to 27.24% 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: 29.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- You want a low APR and nothing else
- You have excellent credit and plan on carrying a balance
- You don’t want to pay fees for balance transfers, foreign transactions, or annual membership
KeyBank Latitude® Credit Card
KeyBank Latitude® Credit Card
- 20.24% to 27.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.24% to 27.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
With a 0% APR offer for 15 months, the KeyBank Latitude® Credit Card can save you plenty on interest charges.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 0% introductory APR on purchases and balance transfers
- Low regular APR on purchases and balance transfers after promotional rate expires
- No annual fee
- Temporary lock feature lets you freeze your card and prevent fraudulent activity if it gets lost or stole
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 20.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 60 days from account opening date
- Balance Transfer APR: 20.24% to 27.24% 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
- Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars
- Late Payment Penalty Fee: UP to $40
- Over Limit Penalty Fee: $10 for each overdraft protectio
- You want a basic, low-rate credit card
- You're planning to carry or transfer a balance and can take advantage of an introductory 0% APR offer
- You don’t want to pay an annual fee
Greylock Federal Credit Union Explore Rewards Card
Greylock Federal Credit Union Explore Rewards Card
- See Terms Regular Purchase APR
- See Terms Balance Transfer APR
- See Terms Cash Advance APR
- See Terms Intro Purchase APR
At a Glance
The Greylock Federal Credit Union Explore Rewards credit card isn’t the most competitive card available but it’s a low APR rewards card ideal for Greylock customers wanting to earn (modest) rewards for their purchases. Cardholders will earn 1X points per dollar on all purchases and enjoy 0% intro APR with no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Introductory purchase APR of 0% for the first six months of account opening
- Earn 1 reward point for every $1 spent
- Rewards can be redeemed for gifts, travel, and cash rewards
- 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
- You want credit card rewards but also a low APR
- You're a low spender who primarily uses cash or a debit card
- You have good – but not excellent – credit
- You are a current Greylock customer
SchoolsFirst FCU Inspire Mastercard Credit Card
SchoolsFirst FCU Inspire Mastercard Credit Card
- 13.75% to 17.90% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 13.75% to 17.90% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 17.90% variable based on creditworthiness and the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
At a Glance
SchoolsFirst FCU Inspire Mastercard Credit Card is a no-nonsense, low rate credit card that provides an exceptional APR on purchases, balance transfers, and cash advances. The card also boasts a 0% intro APR offer, no balance transfer fees, and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Enjoy a 0% introductory interest rate on purchases and balance transfers for 6 months from account opening date
- Get your credit score and customized credit reports for free from SavvyMoney
- Skin your December billing cycle payment without affecting your credit score
- Enjoy Priceless Cities benefits exclusive to Mastercard cardholders
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 13.75% to 17.90% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months from account opening date
- Balance Transfer APR: 13.75% to 17.90% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 17.90% variable based on creditworthiness and the Prime Rate
- Penalty APR: 17.90%
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: $25
- Return Payment Penalty Fee: $20
- You prefer an exceptional, competitive APR
- You plan on financing a significant purchase
- You want to pay down an existing balance
- You do't want to pay an annual fee
Valley Visa® Platinum Card
Valley Visa® Platinum Card
- 19.24% to 29.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.24% to 29.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 18 months from account opening date Intro Purchase APR
At a Glance
The Valley Bank Visa® Platinum Card is a basic regional card with low APRs and an extensive introductory period; in other words, it could be the right card for handling that pesky balance you’ve been trying to get rid of or making that large purchase you’ve been considering.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 0% introductory APR for 18 months on purchases
- 0% introductory APR for 18 months on balance transfers
- No annual fee
- Visa protections, including car rental collision waivers and zero fraud liability
- Intro Purchase APR: 0% for 18 months from account opening date
- Regular Purchase APR: 19.24% to 29.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 18 months from account opening date
- Balance Transfer APR: 19.24% to 29.24% 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: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You're interested in banking with a regional institution
- You want a simple card that doesn’t distract with rewards
- You can take advantage of the lengthy introductory APR
Union Plus Rate Advantage
Union Plus Rate Advantage
- 15.9% - 25.9% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.9% - 25.9% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 28.99% variable based on the Prime Rate Cash Advance APR
- 0% for the first 15 months Intro Purchase APR
At a Glance
The Union Plus Rate Advantage Card is a balance transfer and low rate credit card issued through Capital One. The no annual fee card is open to AFL-CIO affiliated union members and provides a lengthy 15-month 0% intro APR period on both balance transfers and purchases. Once the intro period ends, the typical APR varies considerably, but those with excellent credit scores can expect a highly competitive APR.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% introductory APR on purchases and balance transfers
- $0 Fraud Liability if the card is lost or stolen
- 24/7 U.S-based customer service
- Intro Purchase APR: 0% for the first 15 months
- Regular Purchase APR: 15.9% - 25.9% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for the first 15 months
- Balance Transfer APR: 15.9% - 25.9% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the transaction amount for the first 15 months; None after that
- Cash Advance APR: 28.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each Cash Advance, whichever is greater
- Late Payment Penalty Fee: Up to $38
- You're members of an AFL-CIO affiliated union
- You have a strong credit history so they can take advantage of the best rates
- You're planning to purchase a big-ticket item
- You do't want to pay an annual fee
Citizens Bank Clear Value® Mastercard®
Citizens Bank Clear Value® Mastercard®
- 18.99%, 22.99%, or 26.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.99%, 22.99%, or 26.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
A lengthy promotional APR period for balance transfers makes the Citizens Bank Clear Value® Mastercard® an ideal choice if you’re looking to save money on interest payments.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- Regular Purchase APR: 18.99%, 22.99%, or 26.99% 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: 18.99%, 22.99%, or 26.99% 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: 29.99% 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
- You plan to carry a balance on purchases
- You want to transfer other existing balances at higher APRs so you can save money on interest charges
- You don’t want to pay an annual fee
- You're not interested in earning rewards on purchases or receiving additional perks with your card
- You're looking for a basic, middle-of-the-road credit card
You've viewed 5 of 95 credit cards
What is a Low APR Credit Card?
A low APR credit card is a credit card offering a relatively low annual percentage rate (APR) on purchases and/or balance transfers. This can benefit cardholders who may carry a balance on their credit card from month to month, as a lower APR means less interest paid on the outstanding balance.
A low APR means that you will pay less in interest charges, allowing you to save money in the long run. Whether you’re planning to make a large purchase or carry a balance from month to month, a low APR credit card can significantly reduce the financial burden on your shoulders.
Types of Low APR Cards
When it comes to low APR credit cards, there are a few different types to consider:
- Balance transfer credit cards: These credit cards allow you to transfer balances from high-interest credit cards to a new card with a low APR. This can help you consolidate your debt and save money on interest charges.
- Rewards credit cards with low APR: Some credit cards offer both a low APR and attractive rewards programs. These cards allow you to earn points, cash back, or travel rewards while enjoying a lower interest rate.
- Secured credit cards with low APR: If you have a limited credit history or poor credit score, secured credit cards can be a viable option. These cards require a security deposit, but they often have lower APRs than unsecured cards.
What is Considered a Low APR for a Credit Card?
When considering low interest credit cards, it’s common to first think about cards with 0% introductory offers. However, even these cards have a regular interest rate that applies after the introductory period ends. These regular APRs determine whether a card truly falls into the “low rate” category. It’s important to understand the average rates to identify cards with the best offers.
The average interest rate for different types of credit cards can vary significantly. For example, what may be considered a “low” APR for a retail card may fall within the mid-to-high range when compared to low interest balance transfer credit cards. As a result, the overall average APR across credit card categories ranges widely between 16% and 31%.
Despite this wide range, it is possible to develop a general sense of what may be considered a low APR card. Here are the average interest rates for credit cards based on credit score:
Score | APR |
---|---|
Excellent Credit | 24.49% |
Good Credit | 27.49% |
Average Credit | 29.24% |
Bad Credit | 31.74% |
No Credit | 29% |
Many low APR credit cards also offer introductory APRs for a certain number of months on balance transfers or purchases. For example, a credit card may offer 0% APR for 18 months on both purchases and balance transfers or 18 months on balance transfers only. It’s important to note that the intro APR on balance transfers does not include balance transfer fees, typically around $5 or 3% of the transfer amount, whichever is greater.
Why Choose a Credit Card with a Low APR?
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 to your next bill.
In other words, the higher the interest rate on your credit card, the more you will owe the issuer on balances carried from month to month. For instance, let’s 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 on 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 when 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.
Benefits of Low APR Credit Cards
Here are a few more benefits of low-APR credit cards.
Substantial Interest Savings
Firstly, low APR credit cards provide an opportunity for significant interest savings. With a lower APR, you can pay off your balance faster and save money on interest charges. This is especially advantageous if you carry a balance on your credit card from month to month.
Attractive Introductory Offers
Low APR credit cards often offer tantalizing introductory offers, including 0% APR for a specified period. These cards allow you to make purchases or transfer balances without incurring interest charges—it’s like having an interest-free loan for a limited time!
Improved Credit Score
Additionally, low APR credit cards can help you improve your credit score. By making timely payments and responsibly managing your credit card, you demonstrate to lenders that you are a low-risk borrower. This can open doors to better financial opportunities in the future, such as lower interest rates on loans and mortgages.
Tips for Managing Low-Rate Credit Cards
Here are some valuable tips to help you manage a new low APR card effectively:
- Pay on time: Timely payments are crucial for maintaining a low APR and a good credit score. Set up automatic payments or reminders to ensure you never miss a due date.
- Keep credit utilization low: Aim to keep your credit utilization ratio below 30%. This means using only a fraction of your available credit. Low credit utilization demonstrates responsible credit management and can positively impact your credit score.
- Avoid unnecessary debt: While a low APR credit card can be tempting, avoiding unnecessary debt is essential. Only make purchases you can afford to pay off within a reasonable timeframe.
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%).
Conclusion
Low APR credit cards are powerful tools that can pave the way to financial freedom. By understanding APR, exploring the benefits, and considering various factors, you can make informed decisions when choosing a low rate credit card. Remember to manage your credit card responsibly and avoid common misconceptions. With the right low APR credit card, you can control your finances and work towards a brighter future.
Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.