Low APR Credit Cards

What is a credit card's APR?
A.P.R. stands for Annual Percentage Rate. The lower the better! A lower APR card means you pay less interest on your credit card balance at the closing of each statement period if you carry a balance. An APR can either be "fixed" or "variable". Fixed-rate APR's are usually a bit higher, but you know exactly how much interest you'll have to pay at the end of the month. A variable rate will fluctuate based on a published index (normally either the "Prime" or the "LIBOR" indexes are used, which are published in the Wall Street Journal). The Prime rate doesn't change too frequently, but it is hard to guess when the FED changes it, and in what direction.

Read the Fine Print:
We provide some basic information on rates, fees, and rewards, to help you choose the best card for your requirements. Typically, credit card companies calculate the interest you must pay to them on your daily balance. You can find out the exact method they use by looking into your credit card's Terms and Conditions.

Ready, Set, Go!
Now, let's see which credit cards are currently offering really low APR's. The ones below are the very best cards we found online. If you like a particular offer you can research it further by clicking on "Get more info". You can also get to the online application page of each card by clicking on "Apply".

Blue from American Express®

Annual Fee: None Ongoing APR: As low as Prime + 4.99% (Currently 9.99%)

0% APR for up to 15 months - Get Blue from American Express® Membership Rewards ExpressSM program 0% APR for up to 15 months Low Balance Transfer APR — 4.99% Fixed APR for the life of the balance No annual fee Blue is your launch pad to standout shopping and entertainment rewards and one-of-a-kind experiences Get More Info         Apply

IberiaBank MasterCard®

Annual Fee: None Ongoing APR: As low as Prime - 1.00% (Currently 4.00%)

Some of the lowest rates in the nation. Variable rates as low as 7.25% No annual membership fee 0% Introductory APR on balance transfers for your first 6 billing cycles 25 Day grace period Online access to credit card information Download the Terms & Conditions here. Get More Info         Apply

Chase Free Cash RewardsSM Visa® Card

Annual Fee: None Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*

A decision that's easy to make: FREE CASH! Earn 1 point for every eligible $1 in purchases* 1,000 Bonus Points* with your first purchase Intro 0% Fixed APR for up to 12 months* No Annual Fee Get your rewards with as few as 2500 points Choose from either a $25 check or a $25 gift card/certificate *See Pricing & Terms. Get More Info         Apply

CitiBusiness® Card

Annual Fee: None Ongoing APR: Prime + 2.99% (Currently 7.99%)

The card built for small businesses. 0% APR on purchases and balance transfers for 12 months* No annual fee Business-size credit line Free additional cards for employees with credit limits you set Savings on everyday business purchases Quarterly and annual account summaries Balance transfer fee applies with this offer* *See Terms and Conditions. Get More Info         Apply

IberiaBank Visa® Classic

Annual Fee: None Ongoing APR: As low as Prime - 1.00% (Currently 4.00%)

Variable rates as low as 7.25%! No annual membership fee 0% Introductory APR on balance transfers for your first 6 billing cycles 25 Day grace period Online access to credit card information Download the Terms & Conditions here. Get More Info         Apply

Citi® Home Rebate Platinum Select® MasterCard®

Annual Fee: None Ongoing APR: Prime + 3.99% (Currently 8.99%)

Time flies. Wouldn't it be nice if your mortgage did too? Receive 6% rebate on Utilities, Cable/Satellite TV, Internet Connection and Telecommunication for 12 months Receive 1% on all other purchases Rebate automatically applied to your mortgage principal NO CAP or limits on the amount of rebates you can accumulate in a year No annual fee *See Terms and Conditions. Get More Info         Apply

Platinum Business Credit Card from American Express®

Annual Fee: None Ongoing APR: As low as Prime + 2.99% (Currently 7.99%)

Platinum Business Credit Card from OPEN® the Small Business Team Pay over time or pay in full each month No annual fee 0% Introductory APR on purchases for the first 12 months Balance Transfer APR: 4.99%* Option to enroll in Fee-Free Membership Rewards Program No annual fee and fee-free Additional Cards* Get a decision in less than 60 seconds Easy, 1-page online application *View Terms & Conditions. Get More Info         Apply

Chase Flexible RewardsSM Platinum Visa®

Annual Fee: None Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*

Your choice. Your chase. Earn 1 point for every dollar spent* Earn airline tickets, hotel stays or car rentals. 0% introductory APR* for up to 12 months The time period for the intro APR and balance transfers to which it will apply will be based on review of your application and credit history No Annual Fee *See Pricing & Terms. Get More Info         Apply

HSBC Weekend Card

Annual Fee: None Ongoing APR: As low as 9.99%

Cash back on all purchases, all the time—double cash back on weekends. Earn a full 2% cash back on every single credit card purchase made on Saturdays and Sundays 1% cash back on every single credit card purchase made Monday through Friday Simple and straightforward: no earnings caps, spending requirements, tiers or point expiration Platinum benefits include unlimited purchase protection, extended warranties and rental car insurance 0% Introductory APR on balance transfers for 12 months* No annual fee *See terms & conditions. Get More Info         Apply

Citi® Diamond Preferred® Card

Annual Fee: None Ongoing APR: As low as Prime + 3.49% (Currently 8.49%)

Apply now — it's in your best interest! 0% APR* on balance transfers and purchases for up to 12 months No annual fee Citi® Identity Theft Solutions $0 Liability on unauthorized purchases Secure, free online account management Balance transfer fee applies with this offer *See Terms and Conditions. Get More Info         Apply

Citi® Platinum Select® MasterCard®

Annual Fee: None Ongoing APR: As low as Prime + 3.49% (Currently 8.49%)

We'd like to peak your interest, not your interest rate. 0% APR* on balance transfers and purchases for up to 12 months No annual fee Citi® Identity Theft Solutions $0 Liability on unauthorized purchases Secure, free online account management *See Terms and Conditions. Get More Info         Apply

IberiaBank Visa® Gold Cash Back Rewards Card

Annual Fee: None Ongoing APR: As low as Prime + 0.99% (Currently 5.99%)

Low variable rates, plus 1% cash back! 1% cash back on everything you buy from day one. No limit on cash back; no expiration for the life of your account No minimum to redeem for cash No annual membership fee Download the Terms & Conditions here. Get More Info         Apply

Advanta Custom Platinum BusinessCard with Rewards

Annual Fee: None Ongoing APR: Prime + 0.24% (Currently 5.24%)

A business credit card, now with your favorite image on it. 0% APR for 15 months on Balance Transfers, 7.99% Fixed APR thereafter 5.24% Variable APR on Purchases Choice of 5% Cash Back or Travel Rewards No Annual Fee and No Limit on Earnings $0 Fraud Liability No Tax ID required for application Build Business Credit with the Advanta BusinessCard See website for Terms and Conditions. Get More Info         Apply

AARP Rewards Platinum Visa® Card

Annual Fee: None Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*

A full 1% back for every dollar you spend. Earn one reward point for every dollar you spend.* 0% APR for up to 6 months and pay no annual fee.* No telemarketing calls. Zero unauthorized liability. Exclusive discounts for AARP Platinum Visa cardmembers. Automatic AARP Rewards Platinum Visa card benefits. *See Pricing & Terms. Get More Info         Apply

Chase PerfectCard™ MasterCard®

Annual Fee: None* Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*

SAVINGS YOU CAN TAKE ON THE ROAD - SAVE 6%! 6% rebates on ALL gas purchases at ANY gas station for the first 90 days* 3% rebates on ALL gas purchases at ANY gas station after the first 90 days* 1% rebates on ALL other purchases made anywhere else* 0% Intro APR* for up to 6 months* No Annual Fee *See Pricing & Terms. Get More Info         Apply

IberiaBank Visa® Platinum Rewards Card

Annual Fee: None Ongoing APR: As low as Prime + 0.99% (Currently 5.99%)

The Platinum Card with the SCORECARD® Bonus Point Program. No annual fee 0% Introductory APR on balance transfers for your first 6 billing cycles Earn 1 bonus point for every $1 in net retail purchases and redeem your points for hotel rooms, gourmet dinners, travel, and more Download the Terms & Conditions here. Get More Info         Apply

Blue Cash® from American Express®

Annual Fee: None Ongoing APR: As low as Prime + 4.99% (Currently 9.99%)

Say hello to the newest Blue - BLUE CASH from American Express®. Up to 5% cash back on all qualified purchases* 0% Intro APR for 6 months Online application approval decisions in under 60 seconds Balance Transfer APR 4.99% Go To Rate: Prime + as low as 4.99%, currently 9.99% Flexibility to pay over time No annual fee *See Terms, Conditions & Disclosures Get More Info         Apply

American Express SimplyCashSM Business Card

Annual Fee: None Ongoing APR: As low as Prime + 0.00% (Currently 5.00%)

No limit to the cash back you can earn: It's automatic every month... Earn 5% cash back on gas, office supplies, and wireless services Earn 1% cash back on virtually all other purchases Cash back is automatically credited to the statement each month Use the online calculator to see how fast your savings add up 0% introductory APR for the first 12 months No annual fee with the flexibility to pay in full or carry a balance OPEN Savings® : Automatic discounts with FedEx, Delta®, major hotels, and more Get More Info         Apply

IberiaBank MasterCard® Gold Cash Back Rewards Card

Annual Fee: None Ongoing APR: As low as Prime + 0.99% (Currently 5.99%)

1% cash back on everything you buy from day one! No limit on cash back; no expiration for the life of your account No minimum to redeem for cash No annual membership fee Download the Terms & Conditions here. Get More Info         Apply

Advanta Life-of-Balance Platinum Card

Annual Fee: None Ongoing APR: Prime + 2.24% (Currently 7.24%)

The BusinessCard as individual as your business...only from Advanta. 2.99% Fixed APR for Life on balances transferred within 3 months Choice of 6% Cash Back or Travel Rewards No Annual Fee and No Limit on Earnings $0 Fraud Liability Personalized card — your company name on the top of the card See website for Terms and Conditions. Get More Info         Apply

Blue Cash® for Business Credit Card

Annual Fee: None Ongoing APR: As low as Prime + 2.99% (Currently 7.99%)

Blue Cash® for Business Credit Card from OPENSM the small business team Up to a 5% cash rebate No Annual Fee 0% APR during your first 6 months Get a decision in less than 60 seconds Easy, 1-page online application No limit to the cash rebate you can earn No minimum spending requirement - start earning cash back right away Earn cash rewards on purchases made by Additional Cardholders Get More Info         Apply

Chase Disney Visa® Card

Annual Fee: None Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*

Get a variety of magical rewards no other card can match! No Annual Fee 0% Intro APR for up to 12 months* No Block-out Dates Visa® Platinum Benefits *See Pricing & Terms. Get More Info         Apply

First Equity Platinum Small Business Visa®

Annual Fee: $0-$39 Ongoing APR: As low as 0%*

First Equity specializes in credit for businesses! APR as low as 0.0%* Working Capital Credit Line of up to $100,000 Customized with your Business Name at the top Free Additional Cards for Employees Earn up to 5% cash back on qualified purchases* *First Equity Terms & Conditions. Get More Info         Apply

Citi® ProfessionalSM Card with ThankYouSM Network

Annual Fee: None Ongoing APR: Prime + 5.99% (Currently 10.99%)

Work and play can be a real balancing act. The Citi® ProfessionalSM Card helps keep track of which is which. No Fee Rewards Program 3 ThankYou Points on eligible business purchases* 10,000 bonus ThankYou Points after $250 in purchases, redeemable for a $100 gift card* 0% APR on purchases for 12 months* Categorized monthly statements and quarterly and annual summaries Online Expense Reporting Tool *See Terms and Conditions. Get More Info         Apply

HSBC Platinum MasterCard® with Cash Back Rewards

Annual Fee: None Ongoing APR: As low as Prime + 3.24% (Currently 8.24%)

If you prefer cash back to reading the fine print, this card is for you. Earn an unlimited 1% cash back on every single purchase Simple and straightforward: no earnings caps, spending requirements, tiers or point expiration Platinum benefits include unlimited purchase protection, extended warranties and rental car insurance 0% Intro APR on balance transfers for the first 12 months* No annual fee *See terms & conditions. Get More Info         Apply

AT&T Universal Savings Platinum Card

Annual Fee: None Ongoing APR: As low as Prime + 3.99% (Currently 8.99%)*

The innovation that saves you 10% on all the others. Up to 10% savings for the first 12 months on AT&T purchases* Plus AT&T calling benefits*: Up to 30 free phone minutes each month 0% APR on balance transfers for 12 months* No annual fee *See Terms and Conditions. Get More Info         Apply

Advanta Platinum with Rewards

Annual Fee: None Ongoing APR: Prime + 0.24% (Currently 5.24%)

Low Rates, Rich Rewards and Exclusive Savings. 0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR thereafter Choice of 5% Cash Back or Travel Rewards No Annual Fee and No Limit on the total rewards you can earn $0 Fraud Liability Personalized card — your company name on the top of the card See website for Terms and Conditions. Get More Info         Apply

Discover® MoreSM Card

Annual Fee: None Ongoing APR: As low as 10.99%

Get it all... 5% Cashback Bonus® in categories that change four times a year* 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more 5% to 20% Cashback Bonus® at top online retailers* Up to 1% Cashback Bonus®on all other purchases automatically Unlimited cash rewards* Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus® Partners 0% Intro APR* Fraud specialists dedicated to helping you 24/7 Timely e-mail reminders to help you avoid fees *View rates, fees, rewards and other important information. Get More Info         Apply

Blue Sky® from American Express®

Annual Fee: None Ongoing APR: As low as Prime + 4.99% (Currently 9.99%)

Say good-bye to Travel Reward Restrictions! Earn free travel fast with Blue Sky No blackout dates, no travel restrictions Points good on any airline, hotel, cruise and more Travel anytime: no blackout dates or restrictions Unlimited rewards: no point caps or expiration dates No annual fee and 0.00% intro APR* World class American Express® benefits The Sky's the Limit with Blue Sky® *See Terms, Conditions & Disclosures Get More Info         Apply

Discover® MoreSM Card - Sealife Collection

Annual Fee: None Ongoing APR: As low as 10.99%

Choose Your Sealife Card Design! 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more 5% to 20% Cashback Bonus® at top online retailers* Up to 1% Cashback Bonus®on all other purchases automatically Unlimited cash rewards* Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus® Partners Easy online account options that put you in control Timely e-mail reminders to help you avoid fees *View rates, fees, rewards and other important information. Get More Info         Apply