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 11.99%

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

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

Miles by Discover® Card

Annual Fee: None Ongoing APR: As low as 11.99%

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

Discover® More® Card - Clear

Annual Fee: None Ongoing APR: As low as 11.99%

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