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".

Discover® More® Card

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

Make your money worth More.SM* 5% Cashback Bonus®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many more 5% to 20% Cashback Bonus® at top online retailers* Up to 1% Cashback Bonus®on all other purchases automatically Unlimited cash rewards* Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name 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

IberiaBank Visa® Gold Cash Back Rewards Card

Annual Fee: None Ongoing APR: As low as Prime + 4.00% (Currently 7.25%)

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

IberiaBank Visa® Classic

Annual Fee: None Ongoing APR: As low as Prime + 3.00% (Currently 6.25%)

Variable rates as low as 8.00%! 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

Miles by Discover® Card

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

A Miles card with no annual fee! Book any travel, anytime with no blackout dates or restrictions Double Miles on up to $3,000 in travel and restaurant purchases each year 1 Mile for every $1 on all your other purchases - personal and business Unlimited Miles that never expire as long as you use your card Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash 0% Intro APR* *View rates, fees, rewards and other important information. Get More Info         Apply

IberiaBank Visa® Platinum Rewards Card

Annual Fee: None Ongoing APR: As low as Prime + 4.00% (Currently 7.25%)

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

Discover® Open Road® Card

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

5% Cashback Bonus® on gas and auto maintenance purchases 0% Intro APR* Save at the pump and everywhere else.* 5% Cashback Bonus® on your first $100 in gas and auto maintenance purchases each month - up to $1,200 in purchases each year 5% to 20% Cashback Bonus® at top online retailers* Up to 1% Cashback Bonus® on all other purchases Unlimited cash rewards* Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners Get More Info         Apply

Discover® More® Card - Clear

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

5% Cashback Bonus®*! Unlimited cash rewards* 5% to 20% Cashback Bonus® at top online retailers* Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners* Talk to a knowledgeable person in less than a minute 0% Intro APR* *View rates, fees, rewards and other important information. Get More Info         Apply

Pulaski Bank MasterCard® or VISA®

Annual Fee: $35.00 Ongoing APR: 6.50%

High Velocity Savings! Best Credit Card Rates in the Country... Purchase rate is a fixed 6.50% annual percentage rate (APR) Intro balance transfer rate of 0% (apr) for 6 billing periods Cash rate is 6.50% APR No cash advance or balance transfer fees Minimum payment is 2% of outstanding balance* *See terms & conditions Get More Info         Apply

Pulaski Bank Visa® Gold Card

Annual Fee: $50.00 Ongoing APR: 8.00%

Zero worries. Zero hassles. Zero % balance transfers. 8.00% APR Low Rate No Annual Fee 0% Balance Transfers Get More Info         Apply

Starwood Preferred Guest® Credit Card

Annual Fee: $45, First Year Free Ongoing APR: Prime + 9.99% (Currently 13.24%)

Earn FREE NIGHTS and FREE FLIGHTS with the Starwood Preferred Guest® Credit Card! Earn up to 25,000 Starpoints ® — enough for up to 6 free nights at a category 1 or 2 hotel. Use Starpoints® for free nights and upgrades at over 860 participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates No annual fee for the first year and $45 thereafter Transfer Starpoints® — almost always on a 1:1 basis — to the frequent flyer programs of over 30 major airlines Earn one Starpoint® for every dollar you spend and double Starpoints® at participating Starwood properties and retail partners Express Approval. Get a decision in less than 60 seconds. See Card Terms and Conditions Get More Info         Apply