Low APR Credit Cards
Your search results will display all credit cards offering an APR below 15%. You can easily compare all the credit card options with low APR. Low APR or annual percent interest rate is ideal for those card holders who have a revolving debt or outstanding balance carried month after month. In such cases, a lower interest rate on the outstanding balance will help save more money that any sort of rewards that could be offered on the credit cards. Some balance transfer cards also offer floating APR, where the interest during the introductory period of 12 - 18 months is attractively low.
credit cards for excellent or good credit |
credit cards for fair, bad or new credit |
0% on balance transfer credit cards |
best rewards credit cards CREDIT CARDS FOR EXCELLENT OR GOOD CREDIT
Intro APR
APR
Annual Fee
Summary:
- 0% Intro APR on Purchases and Balance Transfers; a variable go-to APR applies after that.
- Balance transfer fee between 3% and 5%.
- Unlimited rewards on all purchases.
See details
0% (up to 15 months)
$0
Minimum Credit Level Needed:Excellent / Good
Excellent/Good Credit
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments every month.
This credit offer is only for people with Excellent or Good credit history.
Have Bad credit history? Click Here!
No credit history? Click Here!
Fair credit? Click Here!
CREDIT CARDS FOR FAIR, BAD OR NEW CREDIT
Intro APR
APR
Annual Fee
Summary:
- Bad Credit, Low Score? No Problem!
- Managing your credit is key! TRY US RISK-FREE FOR 7 DAYS!
- Receive a $750 Credit Line*
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n/a
0.00%
See terms
Minimum Credit Level Needed:Bad
Bad Credit
You can apply if: you have late payments or maxed out credit balance; you have more than one foreclosure, repossession, defaulted on a loan more than once or have a recently discharged bankruptcy; you have been declined for a credit card in the last three months.
Intro APR
APR
Annual Fee
Summary:
- $750 Unsecured Credit Limit (Usable only at TheHorizonOutlet.com)
- Instant Approval*
- No Credit Check
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n/a
0.00%
See website for Details*
Minimum Credit Level Needed:Damage credit to Fair credit
Intro APR
APR
Annual Fee
Summary:
- $1000 Credit Limit
- No Credit Checks
- Instant Approval
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n/a
0%
See Terms
Minimum Credit Level Needed:Any Credit Welcome
0% ON BALANCE TRANSFER CREDIT CARDS
Intro APR
APR
Annual Fee
Summary:
- Transfer and pay off your debt at 0% Intro APR on Balance Transfers; ongoing variable APR applies after that.
- There is a balance transfer fee.
- Earn cash back or point rewards on all purchases. Rewards won’t expire.
See details
0% (up to 18 months)
$0
Minimum Credit Level Needed:Excellent/Good
BEST REWARDS CREDIT CARDS
Intro APR
APR
Annual Fee
Summary:
- 0% Intro APR on Purchases and Balance Transfers; a variable go-to APR applies after that.
- Balance transfer fee between 3% and 5%.
- Unlimited rewards on all purchases.
See details
0% (up to 15 months)
$0
Minimum Credit Level Needed:Excellent / Good
Excellent/Good Credit
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments every month.
This credit offer is only for people with Excellent or Good credit history.
Have Bad credit history? Click Here!
No credit history? Click Here!
Fair credit? Click Here!
Some cards have opted out of being shown on this page.
You can still find them if you look through the list of
all credit cardsReasonable efforts are made to maintain accurate information. However, the information on the cards' rates and terms is presented without warranty. When you click on the "apply online" link you will have an opportunity to review the credit card terms and conditions on the credit card issuer's web site.
Benefiting from Low Interest Credit Cards
Low interest credit cards allow card holders to carry outstanding balances on their credit cards, without hurting themselves too much. In other words, these are loans with low interest that are of particular help to those who run small businesses with their credit cards or have high expenses, due to which they have revolving debt month after month.
Who should opt for it?
Low APR credit cards are generally more useful for those with outstanding dues in excess of $1000. This is because these cards, do not usually come with frills like cash back offers, airline miles or rewards. The card holder will benefit if he saves on interest more than he would save on the rewards available to him on other cards.
Types of low interest credit cards
There are two types of low interest credit cards. In the first category, the APR or annual percentage rate is generally low around 11 - 12% or even single digit in some cases. In the second category of credit cards, the APR is broken down into phases. During the introductory period, the APR is extremely low, sometimes even 0%. But this phase lasts for up to 15 - 18 months, depending upon the credit rating of the individual. After the introductory period, the rate could shoot up to over 15%, thus troubling card holders who have outstanding dues even after the introductory period.
Fixed and variable APR
Those who are planning to go for low APR credit cards should learn to distinguish between fixed and variable APR credit cards. The fixed rate credit cards are those which have a constant APR throughout. The variable APR credit cards could be either balance transfer credit cards with introductory offers or credit cards whose rate depends on another parameter like the national prime rate. In the latter case, it becomes hard to predict for the card holder what the final APR of the card would be as it would fluctuate along with the prime rate. A lot of card issuers also give out credit cards with APRs bound by limits. For example, there are cards available in the market whose rate varies between 11 - 20% irrespective of other factors.
A word of caution
Card holders should also be careful about fine print. There are cards with terms and conditions that state that the low APR could be replaced by a higher interest rate if the card holder fails to make his payments on time, thus snapping the advantage.
