MoneyUnder30.com
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.)

The US Airways® Premier World MasterCard®

Great For: Airline rewards and travel perks

Credit Needed: Excellent

Average Approved Score: 709*

Lowest Approved Score: 607*

  • Earn 40,000 bonus miles after your first purchase and payment of the $89 annual fee*
  • First checked bag FREE on eligible bags for you and up to four companions on domestic US Airways operated flights
  • One companion certificate good for up to 2 guests to travel with you on a US Airways operated flight at $99 each, plus taxes and fees
  • Priority boarding Zone 2 on US Airways operated flights
  • Redeem miles for award travel on US Airways and American Airlines booked through usairways.com or US Airways Reservations
  • Earn miles on every purchase with 2 miles for every $1 you spend on US Airways purchases and 1 mile for every $1 on purchases everywhere else
  • 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
N/A N/A 0%* 15 Months 15.99%, 19.99% or 24.99%* Variable $89

Barclaycard Arrival™ World MasterCard®

Great For: Earning double miles on travel and dining

Credit Needed: Excellent

Average Approved Score: 714*

Lowest Approved Score: 677*

  • Earn 20,000 bonus miles when you spend $1,000 on purchases in the first 90 days - that's enough to redeem for a $200 travel statement credit
  • 0% intro 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 and 1X miles on all other purchases
  • Miles don't expire as long as your account is open, active and in good standing
  • Book the travel you want - airfare, hotels, cruises and more and earn miles on your purchase
  • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits
  • No foreign transaction fees on anything you buy while in another country
  • Complimentary online FICO® Score access for Barclaycard Arrival cardmembers
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

Capital One® Platinum Prestige Credit Card

Great For: Balance transfers and low introductory rates.

Credit Needed: Excellent

Average Approved Score: 674*

Lowest Approved Score: 641*

  • Get 0% intro APR on all purchases until December 2015
  • Balance transfers also have a 0% intro APR until December 2015, a 3% fee applies to each balance transferred
  • 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
  • Easily manage your account 24/7 with online access, by phone, or using our mobile app
  • Pick the monthly due date that works best for you
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% until December 2015 0% until December 2015 10.9% – 18.9%* Variable $0

Capital One® VentureOne® Rewards Credit Card

Great For: Travel rewards with no foreign transaction fees.

Credit Needed: Excellent

Average Approved Score: 692*

Lowest Approved Score: 668*

  • 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 $1,000 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 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 September 2015 N/A N/A 11.9% – 19.9%* Variable $0

Capital One® QuicksilverOne® Cash Rewards Credit Card

Great For: Cash back rewards and low intro rates.

Credit Needed: Fair

Average Approved Score: 618*

Lowest Approved Score: 573*

  • 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
  • Cash back doesn't expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases until June 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 June 2015 N/A N/A 22.9%* Variable $39

Discover it®

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

Credit Needed: Excellent

Average Approved Score: 691*

Lowest Approved Score: 658*

  • 0% intro APR on purchases & balance transfers for 14 months-then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Rated 4.8 out of 5 stars by over 5,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won’t go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S.- based customer service-anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking “Apply.”
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

Discover it®

Great For: Saving money on large balance transfers

Credit Needed: Excellent

Average Approved Score: 741*

Lowest Approved Score: 702*

  • 0% intro APR on balance transfers for 18 months-then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Rated 4.8 out of 5 Stars by over 5,000 cardmembers.*
  • No annual fee, no late fee for your first late payment - APR won’t go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Free FICO® Credit Score online and on monthly statements.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • 100% U.S.- based customer service-anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking “Apply.”
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

Capital One® Quicksilver® Cash Rewards Credit Card

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

Credit Needed: Excellent

Average Approved Score: 709*

Lowest Approved Score: 654*

  • 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
  • Cash back doesn't expire and there’s no limit to how much you can earn
  • 0% intro APR on all purchases until June 2015
  • Balance transfers also have a 0% intro APR until June 2015, a 3% fee applies to each balance transferred
  • No annual fee
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% until June 2015 0% unti June 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: 658*

Lowest Approved Score: 584*

  • 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 July 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 July 2015 N/A N/A 13.9% – 24.9%* 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: 712*

Lowest Approved Score: 649*

  • 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

Playstation® Card from Capital One®

Great For: Travel rewards including restaurants and movie theatres

Credit Needed: Excellent

Average Approved Score: 670*

Lowest Approved Score: 610*

  • 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 July 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 July 2015 N/A N/A 13.9% - 24.9%* Variable $0

The CarnivalTM MasterCard®

Great For: Travel benefits and no annual fee

Credit Needed: Excellent

Average Approved Score: 696*

Lowest Approved Score: 613*

  • 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%, 16.99% or 20.99%* Variable $0

Discover it® chrome

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

Credit Needed: Excellent

Average Approved Score: 689*

Lowest Approved Score: 648*

  • 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 and balance transfers for 14 months-then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee*.
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S. based customer service-anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply".
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

Discover it® chrome

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

Credit Needed: Excellent

Average Approved Score: 737*

Lowest Approved Score: 682*

  • 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%.
  • 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.
  • No annual fee, no overlimit fee, no late fee on your first late payment and no foreign transaction fee*.
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100 % U.S. based customer service-anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply".
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

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.