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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.)

Citi Simplicity® Card

Great For: Balance transfers and direct access to service representatives.

Credit Needed: Excellent

Average Approved Score: 701*

Lowest Approved Score: 652*

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%* 18 Months* 0%* 18 Months* 12.99% – 21.99%* Variable $0*

Discover it®

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

Credit Needed: Excellent

Average Approved Score: 711*

Lowest Approved Score: 676*

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Plus, pay up to midnight ET online or by phone on your due date without a fee. No late fee on your first late payment. And paying late won’t raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you’re never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% 14 Months 0% 14 Months 10.99% – 22.99%* Variable $0

Capital One® Platinum Prestige Credit Card

Great For: Balance transfers and low introductory rates.

Credit Needed: Excellent

Average Approved Score: 687*

Lowest Approved Score: 634*

  • Transfer a balance for 0% intro APR until July 2015
  • Get 0% intro APR on all purchases until July 2015
  • Enjoy no annual fee
  • Get peace of mind with fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Fast and easy access, 24/7
  • Rent a car using your card and get collision, damage, and loss insurance
  • Feel secure with 24-hour roadside assistance
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% until July 2015 0% until July 2015 10.9% – 18.9%* Variable $0

Citi® Diamond Preferred® Card

Great For: Personalized concierge services and deals on entertainment.

Credit Needed: Excellent

Average Approved Score: 727*

Lowest Approved Score: 672*

  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy Deals(SM) Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%* 18 Months* 0%* 18 Months* 11.99% – 21.99%* Variable $0*

Citi® Dividend Platinum Select® Visa® Card

Great For: Online rewards program that rotates categories quarterly.

Credit Needed: Excellent

Average Approved Score: 712*

Lowest Approved Score: 656*

  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%* 12 Months* 0%* 12 Months* 12.99% – 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: 729*

Lowest Approved Score: 654*

  • Earn unlimited 1.25 miles on every purchase, every day
  • No annual fee
  • Enjoy a one-time bonus of 20,000 miles once you spend $2,000 on purchases within the first 3 months, equal to $200 in travel
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases
  • Travel when you want - no blackout dates
  • Miles don’t expire
  • No limit to the miles you can earn
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% until April 2015 N/A N/A 11.9% – 19.9%* 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: 714*

Lowest Approved Score: 642*

  • One-time $100 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 and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
  • Your cash back doesn't expire
  • 0% intro APR on purchases and balance transfers until January 2015
  • No annual fee
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% until January 2015 0% until January 2015 12.9% – 22.9%* Variable $0

Sony Card from Capital One®

Great For: Earning rewards on Sony purchases at authorized retailers.

Credit Needed: Excellent

Average Approved Score: 671*

Lowest Approved Score: 582*

  • Earn 5,000 bonus points after first purchase in your first 90 days
  • 5 points per $1 at Sony Store and store.sony.com
  • 3 points per $1 on dining out and movie purchases
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until February 2015, after that a variable 13.9% - 24.9% applies
  • No annual fee
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% until February 2015 N/A N/A 13.9% – 24.9%* Variable $0

Capital One® Classic Platinum Credit Card

Great For: Low introductory rates and customizable card design.

Credit Needed: Fair

Average Approved Score: 614*

Lowest Approved Score: 557*

  • 0% intro APR on purchases until January 2015
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account - even from your smartphone with our mobile app
  • Pick the monthly payment due date that works best for you
  • Pay however you want - by check, online, or at a local branch, all with no fee
  • Get access to your account 24 hours a day, 7 days a week
  • Start building for the future with features that can help you get there
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% until January 2015 N/A N/A 22.9%* Variable $39

Capital One® QuicksilverOneSM Cash Rewards Credit Card

Great For: Cash back rewards and low intro rates.

Credit Needed: Fair

Average Approved Score: 618*

Lowest Approved Score: 563*

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
  • No limit to the cash back you can earn
  • Your cash back doesn't expire
  • 0% intro APR on purchases until January 2015
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% until January 2015 N/A N/A 22.9%* Variable $39

Credit Needed: Excellent

Average Approved Score: 727*

Lowest Approved Score: 641*

  • Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
  • 1 ThankYou Point on other purchases.
  • Points do not expire and earn unlimited ThankYou Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%* 15 Months* 0%* 15 Months* 12.99% – 22.99%* Variable $0*

U.S. Bank Visa® Platinum Card

Great For: Low balance transfer introductory rates with no annual fee.

Credit Needed: Excellent

Average Approved Score: 730*

Lowest Approved Score: 661*

  • 0% Intro APR* on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 9.99%-23.99%
  • No annual fee*
  • Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
  • $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
  • Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
  • Online account management and account alerts
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% 15 Months 0% 15 Months 9.99% – 23.99%* Variable $0

Barclaycard Arrival™ World MasterCard® - Earn 1x on All Purchases

Great For: Earning double miles on travel and dining

Credit Needed: Excellent

Average Approved Score: 730*

Lowest Approved Score: 678*

  • Start by earning 20,000 bonus miles when you make $1,000 or more in purchases in the first 90 days from account opening. 20,000 bonus miles equates to $200 off your next trip!
  • 0% introductory APR on balance transfers and purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
  • Earn 2X miles on travel and dining purchases
  • Earn 1X miles on all other purchases
  • No mileage caps or foreign transaction fees
  • Get 10% miles back when you redeem for travel (i.e. redeem 25,000 miles for travel and get 2,500 miles back)
  • Use miles for a statement credit toward any airline purchase to any destination with no seat restrictions and no blackout dates
  • Easily redeem your miles for statement credits toward flights, cruises, car rentals, hotels and more
  • Complimentary one year subscription of TripIt Pro mobile travel organizer – a $49 value
  • 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
0% 12 Months 0% 12 Months 14.99% or 18.99%* Variable $0

Discover it®

Great For: Saving money on large balance transfers

Credit Needed: Excellent

Average Approved Score: 731*

Lowest Approved Score: 687*

  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Plus, pay up to midnight ET online or by phone on your due date without a fee. No late fee on your first late payment. And paying late won't raise your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you're never responsible for unauthorized purchases with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.*
  • 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • *Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% 6 Months 0% 18 Months 10.99% – 22.99%* Variable $0

Credit Needed: Excellent

Average Approved Score: 743*

Lowest Approved Score: 697*

  • Earn 20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening redeemable for $200 in gift cards or other great rewards!
  • 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
  • 1 ThankYou Point on other purchases
  • Points do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%* 12 Months* 0%* 12 Months* 12.99% – 22.99%* Variable $0*

Credit Needed: Excellent

Average Approved Score: 0*

Lowest Approved Score: 0*

  • You can earn 10% or more cash back on eligible online purchases through Upromise
  • Start with a $50 cash back bonus after first use
  • Earn 4% back at thousands of participating Upromise dining restaurants
  • Earn 3% cash back on eligible gas purchases at Exxon or Mobil locations
  • Earn 2% cash back at eligible movie theaters
  • Earn 1% cash back everywhere else
  • No annual fee
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% 12 Months 0% 12 Months 12.99% or 20.99%* Variable $0

Credit Needed: Excellent

Average Approved Score: 0*

Lowest Approved Score: 0*

  • Earn 40,000 bonus miles after spending $500 in purchases in the first 90 days
  • Earn up to 10,000 bonus miles on balance transfers (1 mile per $1 transferred) in the first 90 days
  • Earn DOUBLE miles on purchases at FlyFrontier.com and 1 mile per $1 on all other purchases
  • No blackout dates! Book any roundtrip award flight on Frontier starting at 20,000 miles (subject to fees/taxes from $5)
  • Cardmember Exclusive! Redeem roundtrip companion award tickets for 5,000 less miles (from 15,000 miles plus taxes/fees from $5)
  • 0% Introductory APR on purchases and balance transfers for the first 12 months after account opening. After that, a variable APR, currently 15.99% or 24.99% based on your creditworthiness
  • $69 Annual Fee
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% 12 Months 0% 12 Months 15.99% or 24.99%* Variable $69

The US Airways Premier World MasterCard®

Great For: Airline rewards and travel perks

Credit Needed: Excellent

Average Approved Score: 753*

Lowest Approved Score: 680*

  • Earn up to 40,000 bonus miles on qualifying transactions
  • Exclusive: Book award flights for 5,000 fewer miles - award travel starts at just 20,000 miles for cardmembers
  • Zone 2 boarding on every flight
  • Earn 2 miles per $1 on US Airways purchases
  • Earn 1 mile per $1 spent everywhere else
  • Annual companion certificate good for round-trip travel for up to 2 companions at $99 each, plus taxes and fees
  • First Class check-in
  • Please see terms and conditions for complete details
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% 12 Months 0% 12 Months 15.99% or 24.99%* Variable $89

Credit Needed: Excellent

Average Approved Score: 0*

Lowest Approved Score: 0*

  • 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 February 2015, after that a variable 13.9% - 24.9%
  • No annual fee
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% until February 2015 N/A N/A 13.9% - 24.9%* Variable $0

Credit Needed: Excellent

Average Approved Score: 0*

Lowest Approved Score: 0*

  • 0% APR on purchases and balance transfers for the first 12 months after account opening (after that a variable APR currently 13.99% - 20.99% depending on your creditworthiness)
  • Earn 5,000 bonus points when you use your card for the first time
  • Earn DOUBLE points on any CarnivalTM purchase
  • Earn 1 point per $1 spent everywhere else
  • Redeem points for cruises on CarnivalTM or other eligible World’s Leading Cruise Lines vacations, hotel or flight discounts, onboard gifts and services, merchandise or gift cards
  • No Annual Fee
  • Please see terms and conditions for complete details
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% 12 Months 0% 12 Months 13.99% - 20.99%* 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.

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