MoneyUnder30.com

Low APR Credit Cards

Compare the features of different low APR and 0% intro rate credit cards. Review and find the best cards you can get with your credit score. See the average and lowest credit scores approved for each card (where a “0” means we don’t have enough credit score approval data for that card yet.)

Barclaycard® Ring MasterCard®

Great For: Low interest rates with no balance transfer fees

Credit Needed: Excellent

Average Approved Score: 744*

Lowest Approved Score: 674*

  • No Balance Transfer Fees - start saving immediately!
  • A low variable APR on balance transfers and purchases
  • No Annual Fees
  • Choose your card benefits and features
  • Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
  • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
  • Learn more about personal finance from Barclaycard and other members
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/AN/A N/AN/A 8.00%* Variable $0

PlayStation® Card from Capital One®

Great For: Earning points on Sony products

Credit Needed: Excellent

Average Approved Score: 671*

Lowest Approved Score: 622*

  • Earn 5,000 bonus points after your first purchase in the first 90 days
  • 10 points per $1 spent on all PlayStation® Store purchases
  • 3 points per $1 spent on PlayStation® and Sony purchases at Sony Store and store.sony.com
  • 3 points per $1 spent on quick service restaurants, movie theatres & your mobile phone bill
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until May 2016, 13.9% - 24.9% variable APR after that
  • No annual fee
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% until May 2016 N/A N/A 13.9% – 24.9%* Variable $0

Credit Needed: Excellent

Average Approved Score: N/A*

Lowest Approved Score: N/A*

  • Earn 10,000 enrollment FlexPoints after you spend $1,000 in Net Purchases (purchases minus credits and returns) on your Card within the first four months of account opening.
  • Use your Card at select membership warehouse clubs and for everyday purchases.
  • 1 FlexPoint for every $1 in Net Purchases.
  • No annual fee.*
  • Redemption starts at just 5,000 FlexPoints for merchandise, gift cards, statement credits and more.
  • An airline award ticket starts at just 20,000 FlexPoints (up to $400 value).
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/A N/A 0%* 9 Months 13.99% - 23.99%* Variable $0

Discover it® chrome - Double Cash Back your first year

Great For: Cash back rewards in categories like dining and gas.

Credit Needed: Excellent

Average Approved Score: 682*

Lowest Approved Score: 642*

  • Double all the cash back you've earned at the end of your first year automatically - only for new cardmembers*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter-no sign-ups needed.* 1% cash back on all your other purchases.
  • 0% intro APR on purchases & balance transfers for 12 months-then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Free FICO® Credit Score on statements, online & by mobile app.* And 100% U.S.-based service any time.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms & other info by clicking “Apply.”
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%* 12 Months 0%* 12 Months 10.99% – 22.99%* Variable $0

Discover it® - Double Cash Back your first year

Great For: Cash back rewards in revolving categories like dining, travel or gas.

Credit Needed: Excellent

Average Approved Score: 684*

Lowest Approved Score: 641*

  • Double all the cash back you've earned at the end of your first year automatically - only for new cardmembers*
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more - up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • 0% intro APR on purchases & balance transfers for 12 months-then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Free FICO® Credit Score on statements, online & by mobile app.* And 100% U.S.-based service any time.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms & other info by clicking “Apply.”
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%* 12 Months 0%* 12 Months 10.99% – 22.99%* Variable $0

Capital One® VentureOne® Rewards Credit Card

Great For: Travel rewards with no foreign transaction fees.

Credit Needed: Excellent

Average Approved Score: 694*

Lowest Approved Score: 632*

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases until July 2016; 11.9%-21.9% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles don’t expire and there’s no limit to how many you can earn
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% until July 2016 N/A N/A 11.9% – 21.9%* Variable $0

Capital One® Quicksilver® Cash Rewards Credit Card

Great For: Cash back with customized ways to redeem your rewards.

Credit Needed: Excellent

Average Approved Score: 711*

Lowest Approved Score: 648*

  • One-time $100 cash bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until April 2016; 12.9%-22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until April 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% until April 2016 0% until April 2016 12.9% – 22.9%* Variable $0

About Low APR Credit Cards

Low APR, 0% APR, low introductory APR… but what does it all mean? Those three-little letters—APR—may seem benign, but when it comes to credit cards, they carry a lot of weight.

Credit card APR is the annual percentage rate of interest you will be charged on all or a portion of your credit card balance every month if you don’t pay the full amount by the due date. The lower the APR, the less interest you will pay over time, so you can see why you might want to start paying attention to your APR now, if you haven’t before.

Many cards assign a different APR to different types of transactions. Your primary APR is almost always calculated based on your credit score, so the lower your credit score, the higher your credit card APR will be.  An important exception is for cards that offer a 0% APR for the beginning of the card term. If you can get approved for a card like this, it might offer a good option for when big expenses like medical bills or car repair crop up that you don’t have cash on hand to cover. Using a 0% APR card for these expenses is a good idea, as long as you can pay back the entirety of the balance before the 0% APR term is over.

Of course, if you are in the habit of never carrying a balance—good for you! You might not pay much attention to your APR because you don’t plan on ever paying interest. But in case you unexpectedly get caught in a pinch somewhere down the line, it’s a good idea to either negotiate a lower APR with the issuer of your current card or get a card with a low APR.

*This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.