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Best Credit Card Rates


Updated daily, a comprehensive list of 0% intro rates on purchases and balance transfers, plus the lowest and average regular APRs on leading credit cards. Compare and apply.

Credit Card Rates, Nationwide Averages

Category Average APR
Cash Back 16.46%
Rewards 15.47%
Balance Transfer 16.11%
Low APR 10.88
For Limited/Average Credit 20.93%

Best Credit Card Rates

Regular APR Intro (Purchases) Intro (Transfers) Annual Fee
Capital One® Platinum Prestige Credit Card Credit Needed: Excellent
10.9% – 18.9%* Variable 0% for until February 2016 0% for until February 2016 $0
Capital One® VentureOne® Rewards Credit Card Credit Needed: Excellent
11.9% – 19.9%* Variable 0% for until November 2015 N/A for N/A $0
Capital One® QuicksilverOne® Cash Rewards Credit Card Credit Needed: Excellent
22.9%* Variable 0% for until August 2015 N/A for N/A $39
Discover it® Credit Needed: Excellent
10.99% – 22.99%* Variable 0% for 14 Months 0% for 14 Months $0
Discover it® Credit Needed: Excellent
10.99% – 22.99%* Variable 0% for 6 Months 0% for 18 Months $0
Capital One® Quicksilver® Cash Rewards Credit Card Credit Needed: Excellent
12.9% – 22.9%* Variable 0% for until August 2015 0% for unti August 2015 $0
Sony Card from Capital One® Credit Needed: Excellent
13.9% – 24.9%* Variable 0% for until September 2015 N/A for N/A $0
U.S. Bank Visa® Platinum Card Credit Needed: Excellent
9.99% – 23.99%* Variable 0% for 15 Months 0% for 15 Months $0
Playstation® Card from Capital One® Credit Needed: Excellent
13.9% – 24.9%* Variable 0% for until September 2015 N/A for N/A $0
The Carnival™ MasterCard® Credit Needed: Excellent
13.99%, 16.99% or 20.99%* Variable N/A for N/A 0% for 15 Months $0

*Rates are variable and subject to change. If a range is shown, your actual rate may vary based upon your creditworthiness.
† User reviews provided by actual cardholders. A rating of 0.0 means not enough data is available yet to provide a review.

Disclaimer: One way I’m able to support my blogging while helping you is to link to products I like and earn a referral commission if you sign up. I only link to products I trust. That said, you should know that if you click the links to these cards and ultimately apply for and are approved for that card, I may be paid for that. If you choose to support Money Under 30 in that way, thanks!

*Credit Karma users have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed.

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About David Weliver

David Weliver is the founding editor of Money Under 30. He's a cited authority on personal finance and the unique money issues we face during our first two decades as adults. He lives in Maine with his wife and two children.