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%-20.99%

Make your money worth More.SM* 0% intro APR on balance transfers for 15 months, then the Regular APR 0% intro APR on purchases for 15 months, then the Regular APR 5% Cashback Bonus(R) in categories that change like travel, gas, groceries, restaurants, home improvement stores and more Up to 1% unlimited Cashback Bonus on all other purchases No Annual Fee *View rates, fees, rewards and other important information. 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! 12, 000 Bonus Miles - Earn 1,000 Miles each month you make a purchase for your 1st year 1 Mile per $1 on every purchase Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year No limit on the Miles you earn and Miles don't expire* Fly on any airline, book any hotel or car, with no blackout dates Use Miles for travel, merchandise, gift cards or cash 0% intro APR on purchases and balance transfers for 6 months then the regular APR No Annual Fee, No Over limit Fee, No Redemption Fee *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

Blue Cash® from American Express

Annual Fee: None Ongoing APR: 17.24%-21.24% Variable

Earn up to 5% cash back on everyday purchases - even gas! Earn a $25 statement credit with $500 in eligible spending No annual fee, 0% intro APR on purchases for up to 12 months, flexibility to pay over time Earn up to 5% cash back on eligible purchases at supermarkets, gas stations, drugstores, and more No limit on the cash back you can earn *See Terms, Conditions & Disclosures Get More Info         Apply

Discover® More® Card - Clear

Annual Fee: None Ongoing APR: As low as 11.99%-20.99%

5% Cashback Bonus®*! 0% intro APR on purchases and balance transfers for 6 months, then the Regular APR 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more Up to 1% unlimited Cashback Bonus on all other purchases No Annual Fee *View rates, fees, rewards and other important information. Get More Info         Apply

Blue Sky from American Express(SM)

Annual Fee: None Ongoing APR: 17.24%-21.24% Variable

Say good-bye to Travel Reward Restrictions! No annual fee, 0% intro APR on purchases for up to 12 months, flexibility to pay over time Enjoy travel rewards with no restrictions or blackout dates - earn points redeemable for flights on any airline, stays at any hotel, and car rentals with any company Redeem travel rewards with as few as 7,500 points, good for a $100 statement credit on any travel purchase Feel secure with protection from fraudulent charges and extensions of manufacturer's warranties on eligible purchases See Terms, Conditions & Disclosures Get More Info         Apply

Discover® Student Card

Annual Fee: None Ongoing APR: As low as 12.99%-19.99%

Easy online account options that put you in control 5% Cashback Bonus® in categories like travel, home improvement stores, department stores, gas, restaurants, pet stores and many more Up to 1% unlimited Cashback Bonus® on all other purchases No Annual Fee $0 Fraud Liability Guarantee *View rates, fees, rewards and other important information. Get More Info         Apply