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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.
  • No Annual Fee.
  • Great Rewards Programs.
See details
0% (21 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!

Intro APR
APR
Annual Fee
Summary:
  • USAA Bank products are only available to military members, veterans who have honorably served, and their eligible family members.
  • Earn up to 1.25% cash back on your everyday purchases.
  • There´s no limit on the amount you can earn.
See details
n/a
10.40% to 26.40% (V)
$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!

Intro APR
APR
Annual Fee
Summary:
  • USAA Bank products are only available to military members, veterans who have honorably served, and their eligible family members.
  • Enjoy our lowest rate card.
  • Pay no annual, penalty APR or foreign transaction fees.
See details
n/a
7.40% to 24.40% (V)
$0
Minimum Credit Level Needed:
Fair / Good

Fair / Good Credit
You can apply if: your credit seen up and downs, but now it is stable and you manage it responsibly: you're making on time payments every month and staying within limits now.

CREDIT CARDS FOR FAIR, BAD OR NEW CREDIT
Intro APR
APR
Annual Fee
Summary:
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
See details
n/a
0.00%
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:
  • Shop Brand Name Electronics.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.6
See details
n/a
0.0%
$49
Minimum Credit Level Needed:
Any

Any Credit
You can apply if: you have never had a credit card or haven`t established a credit history yet; your credit has seen bankruptcies or foreclosures. You can be approved regardless your credit history.

Intro APR
APR
Annual Fee
Summary:
  • USAA Bank products are only available to military members, veterans who have honorably served, and their eligible family members.
  • Best for members rebuilding or establishing credit.
  • It´s a real credit card - not a debit or prepaid card.
See details
n/a
10.40% to 20.40% (V)
$35
Minimum Credit Level Needed:
Fair/Bad/No
0% ON BALANCE TRANSFER CREDIT CARDS
Intro APR
APR
Annual Fee
Summary:
  • 0% Intro APR on Balance Transfers and Purchases for 21 months.
  • No Balance Transfer Fee. No annual fee.
  • Great Rewards Programs.
See details
0% (21 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!

BEST REWARDS CREDIT CARDS
Intro APR
APR
Annual Fee
Summary:
  • 0% Intro APR.
  • No Annual Fee.
  • Great Rewards Programs.
See details
0% (21 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!

Intro APR
APR
Annual Fee
Summary:
  • USAA Bank products are only available to military members, veterans who have honorably served, and their eligible family members.
  • Earn 2X points for every dollar on gas and grocery purchases all the time.
  • Earn one point for every dollar spent on your everyday purchases.
See details
n/a
11.40% to 26.40% (V)
$0
Minimum Credit Level Needed:
Excellent/Good/Fair
Intro APR
APR
Annual Fee
Summary:
  • Shop Brand Name Electronics.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.6
See details
n/a
0.0%
$49
Minimum Credit Level Needed:
Any

Any Credit
You can apply if: you have never had a credit card or haven`t established a credit history yet; your credit has seen bankruptcies or foreclosures. You can be approved regardless your credit history.

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 cards

Reasonable 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.

6 In Accordance with Terms and Conditions.
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All information presented on this website is subject to change. We do our best to maintain it accurate and up to date. However, we recommend all our visitors to read the credit cards′ terms and conditions on the application page before submitting the application form. Note that this website may be compensated if visitors choose to utilize the links on this website.

CreditCardMenu.com is an independent, advertising-supported website. CreditCardMenu.com receives compensation from the credit companies whose offers appear on our website. Compensation may have an impact on how and where credit products appear on the website, including, for example, the order in which they may appear within reviews. CreditCardMenu.com does not present, nor does it review all available credit offers.

* The CreditCardMenu.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. CreditCardMenu.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the CreditCardMenu.com website are property of their respective owners.