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CAMPUS Visa Platinum Card
CAMPUS Visa Platinum Card
- 12.40% to 17.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 12.40% to 17.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 12.40% to 17.99% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The CAMPUS Visa Platinum Card is a low APR credit card from CAMPUS USA Credit Union. The card enjoys an impressive variable APR for those with excellent credit scores, as well as no fees for balance transactions or cash advances, Visa benefits and protections, and no annual fees for membership.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No balance transfer fees
- No cash advance fee
- Regular Purchase APR: 12.40% to 17.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 12.40% to 17.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 12.40% to 17.99% variable based on creditworthiness and the Prime Rate
- Penalty APR: 17.99%
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $25
- You already bank with CAMPUS USA or work at the University of Florida
- You want the benefit of shifting interest rates, rather than a fixed APR
- You don’t want to pay an annual fee
Citizens Trust Bank Visa Privilege Credit Card
Citizens Trust Bank Visa Privilege Credit Card
- 16.74% to 24.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 16.74% to 24.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 16.74% to 24.74% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Citizens Trust Bank VISA Privilege Credit Card is a credit-builder card that is an excellent step-up from Citizen Trust Bank’s Classic-Secured Card. The card features a competitive APR that is uniform for purchases, balance transfers, and cash advances, and no foreign transaction fees – all for an annual fee of $25.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Rebuild credit with on-time payments
- Great low APR for purchases, balance transfers, and cash advances
- No foreign transaction fees
- Regular Purchase APR: 16.74% to 24.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 16.74% to 24.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each balance transfer, whichever greater
- Cash Advance APR: 16.74% to 24.74% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each balance transfer, whichever greater
- Penalty APR: 25.00%
- Annual Fee: $25
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $32
- Over Limit Penalty Fee: Up to $30
- You already have a Citizens Trust Bank Secured Card and want to graduate to an unsecured card
- You don’t want to pay foreign transaction fees
- You don’t mind paying a $25 annual fee
Air Force Federal Credit Union Visa Platinum
Air Force Federal Credit Union Visa Platinum
- 15.75% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.75% to 18.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 15.75% to 18.00% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Air Force Federal Credit Union Visa Platinum card wants to make credit simple, so it offers the same low rates across all its features. If you join this credit union, you’ll have one APR for purchases, balance transfers, and cash advances for maximum convenience. Not to mention, you’ll earn steady rewards to cash in for merchandise. Though there are membership qualifications to meet, military affiliation is not necessarily required to join.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Low APRs for purchases, balance transfers, and cash advances
- No annual fee
- Earn rewards on all purchases
- Regular Purchase APR: 15.75% to 18.00% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.75% to 18.00% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $2 or 2% of the amount of each transfer, whichever is greater
- Cash Advance APR: 15.75% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $2 or 2% of the amount of each cash advance, whichever is greater
- Penalty APR: 18.00%
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $37
- Return Payment Penalty Fee: Up to $25
- Over Limit Penalty Fee: Up to $25
- You live or work in Texas, Mississippi, Louisiana, Arkansas, or Oklahoma
- You meet the membership qualifications or are willing to join the Airmen Heritage Foundation
- You want the same interest rates for purchases, balance transfers, and cash advances
- You need a card with no annual fee and low additional fees, but still want to earn rewards
PEFCU VISA Secured Card
PEFCU VISA Secured Card
- 9.90% Regular Purchase APR
- 9.90% Balance Transfer APR
- 9.90% Cash Advance APR
At a Glance
Rebuilding credit is never easy. Fortunately, the PEFCU Visa Secured Credit Card makes building credit a breeze thanks to no annual fee and a fixed APR among the lowest in the nation.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Build credit with financial responsibility
- Enjoy Visa cardholder protections
- Regular Purchase APR: 9.90%
- Balance Transfer APR: 9.90%
- Cash Advance APR: 9.90%
- Cash Advance Transaction Fee: See terms
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $20
- Return Payment Penalty Fee: See terms
- Minimum Deposit Required: See terms
- You're an existing Publix employee or qualify for PEFCU membership
- You have an imperfect credit history and need a secured card that makes carry a balance less difficult
- You can afford a minimum deposit of at least $300
- You don’t want to pay an annual fee
M&T Business Credit Card
M&T Business Credit Card
- 15.24% to 22.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.24% to 22.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 27.24% variable 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 Business Credit Card provides an uncomplicated way to make everyday purchases without the fear of a high APR. The card features no annual fee and an introductory 0% APR on purchases and balance transfers for the first 12 months, followed by a competitive APR after that.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% introductory APR for the first 12 months after opening account
- No foreign transaction fees
- Global acceptance and chip technology for added security
- Additional cards for employees at no added cost
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 15.24% 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: 15.24% 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% variable 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
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $25
- You're Interested in a straightforward and hassle-free business card
- You enjoy the convenience online, and mobile account management provides
- You enjoy the convenience online, and mobile account management provides
- You want a business card with no annual fee and no foreign transaction fees
SLFCU Visa Signature Business Card
SLFCU Visa Signature Business Card
- 12.50% variable based on the Prime Rate Regular Purchase APR
- 12.50% variable based on the Prime Rate Balance Transfer APR
- 12.50% variable based on the Prime Rate Cash Advance APR
At a Glance
The SLFCU Visa Signature Business from Sandia Laboratory Federal Credit Union is a business credit card that offers a yearly 1% rebate on purchases and a low APR every day. The card also features no annual membership fee, no fee for balance transfers, and the benefits and protections that come from a Visa Signature Business credit card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 1.00% year-end rebate on purchases
- No annual fee
- No balance transfer fees
- Regular Purchase APR: 12.50% variable based on the Prime Rate
- Balance Transfer APR: 12.50% variable based on the Prime Rate
- Cash Advance APR: 12.50% variable based on the Prime Rate
- Cash Advance Transaction Fee: $5
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: $25
- Return Payment Penalty Fee: $25
- Over Limit Penalty Fee: $25
- You already bank with Sandia Laboratory Federal Credit Union
- You want a low APR and basic cash back each year
- You want Visa Signature travel protections
- You plan to issue additional employee cards to maximize your rewards rebate
Quorum RateWise Mastercard®
Quorum RateWise Mastercard®
- 12.9% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 12.9% to 18.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 12.90% to 18.00% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
With no annual fees or balance transfer fees, a competitively low APR and low cash advance fees, the Quorum RateWise Mastercard® is a great no-frills credit card offer for anyone looking to enjoy daily savings as they build their credit.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Features Tap & Go contactless technology; compatible with digital wallets
- No annual fee and no balance transfer fees
- Low cash advance fee with a $25 cap
- Same APR for purchases, cash advances, and balance transfers
- Regular Purchase APR: 12.9% to 18.00% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 12.9% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 12.90% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 2% of the amount of each cash advance, whichever is greater (max $25)
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
- You want a card with no annual fee and no balance transfer fees
- You want a low APR (based on your creditworthiness)
- You want the perks that come with being a Mastercard® cardholder
- You want a card with contactless technology
Fort Bragg FCU Visa Credit Card
Fort Bragg FCU Visa Credit Card
- 13.65% to 17.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 13.65% to 17.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 13.65% to 17.00% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Fort Bragg FCU Visa is a low APR credit union credit card for members of the U.S. Armed forces, those living in and around Fort Bragg, North Carolina, and other eligible members of Fort Bragg Federal Credit Union. The card features a great variable APR for those with excellent credit scores, and no annual fee – or fees for balance transfers or cash advances.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Great low APR
- No hidden charges
- Regular Purchase APR: 13.65% to 17.00% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 13.65% to 17.00% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 13.65% to 17.00% variable based on creditworthiness and the Prime Rate
- Foreign Transaction Fee: Up to 1% of the transaction in U.S. dollars
- Late Payment Penalty Fee: $25
- Return Payment Penalty Fee: $29
- You're an active or retired member of the United States military
- You're more interested in an excellent APR than rewards
- You don’t want to pay an annual fee
Safe 1 Credit Union Mastercard Platinum Rewards Card
Safe 1 Credit Union Mastercard Platinum Rewards Card
- 14.75% to 21.75% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.75% to 21.75% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 14.75% to 21.75% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Safe 1 Mastercard Platinum Rewards Card offers several features that make it stand out from many competitors. It provides cardholders many of the same benefits as the regular Platinum credit card, cardholders can earn points for every purchase and redeem those for merchandise or travel vouchers. Keep reading for more information on this credit card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% intro APR for 12 months on purchases and cash advances
- Earn 1 point for ever $1 you spend with your credit card
- No balance transfer fees
- Regular Purchase APR: 14.75% to 21.75% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.75% to 21.75% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 14.75% to 21.75% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 2% of the amount of each cash advance, whichever is greater
- Penalty APR: 27.50%
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: $15
- Return Payment Penalty Fee: $25
- You want a credit card that earns rewards points
- You don’t want to pay an annual fee
- You don’t want to pay balance transfer fees
Golden 1 Member Rate Advantage Visa® Card
Golden 1 Member Rate Advantage Visa® Card
- 13.04% to 19.04% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 13.04% to 19.04% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 13.04% to 19.04% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
A low-rate card that empowers you to pay down balances faster or to consolidate debt from other cards- that’s what you’ll find with the Golden 1 Member Rate Advantage Visa® Card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Our Lowest Rates
- No Balance Transfer Fees
- Regular Purchase APR: 13.04% to 19.04% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 13.04% to 19.04% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 13.04% to 19.04% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 2.5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: Up to 1% of the transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $15
- Return Payment Penalty Fee: Up to $25
- You want to pay for large purchases over time
- You need to pay down debt
- You're consolidating other high-rate card balances
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.