Low APR Credit Cards
You can choose a credit card type from the menu bar on the left or browse through the full list of our best Low APR credit cards below. Find information to compare fees, bonuses, and other card features, in the more info section of each card.
Discover® More® Card
Make your money worth More.SM*
Summary:
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: 1-5% Cashback Bonus®
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: 1-5% Cashback Bonus®
Features:
- 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.
Miles by Discover® Card
A Miles card with no annual fee!
Summary:
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: Air Miles
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: Air Miles
Features:
- 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.
IberiaBank Visa® Gold Cash Back Rewards Card
Low variable rates, plus 1% cash back!
Summary:
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Balance Transfer Fee: None
Ongoing APR: As low as Prime + 4.00% (Currently 7.25%)
Cash Advance APR: As low as Prime + 8.00% (Currently 11.25%)
Cash Advance Fee: 5% (min. $5, max. $100)
Annual Fee: None
Returned Check Fee: $29.00
Late Fee: $15-$35
Overlimit Fee: $35.00
Reward Program: 1% Cashback
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Balance Transfer Fee: None
Ongoing APR: As low as Prime + 4.00% (Currently 7.25%)
Cash Advance APR: As low as Prime + 8.00% (Currently 11.25%)
Cash Advance Fee: 5% (min. $5, max. $100)
Annual Fee: None
Returned Check Fee: $29.00
Late Fee: $15-$35
Overlimit Fee: $35.00
Reward Program: 1% Cashback
Features:
- 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.
Discover® Open Road® Card
5% Cashback Bonus® on gas and auto maintenance purchases
Summary:
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: Full 5% on Gas Purchases*
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: Full 5% on Gas Purchases*
Features:
- 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
Discover® More® Card - Clear
5% Cashback Bonus®*!
Summary:
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: 1-5% Cashback Bonus®
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3%
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: 1-5% Cashback Bonus®
Features:
- 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.
IberiaBank Visa® Classic
Variable rates as low as 8.00%!
Summary:
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Balance Transfer Fee: None
Ongoing APR: As low as Prime + 3.00% (Currently 6.25%)
Cash Advance APR: As low as Prime + 7.00% (Currently 10.25%)
Cash Advance Fee: 5% (min. $5, max. $100)
Annual Fee: None
Returned Check Fee: $29.00
Late Fee: $15-$35
Overlimit Fee: $35.00
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Balance Transfer Fee: None
Ongoing APR: As low as Prime + 3.00% (Currently 6.25%)
Cash Advance APR: As low as Prime + 7.00% (Currently 10.25%)
Cash Advance Fee: 5% (min. $5, max. $100)
Annual Fee: None
Returned Check Fee: $29.00
Late Fee: $15-$35
Overlimit Fee: $35.00
Features:
- 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.
IberiaBank Visa® Platinum Rewards Card
The Platinum Card with the SCORECARD® Bonus Point Program.
Summary:
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Balance Transfer Fee: None
Ongoing APR: As low as Prime + 4.00% (Currently 7.25%)
Cash Advance APR: As low as Prime + 8.00% (Currently 11.25%)
Cash Advance Fee: 5% (min. $5, max. $100)
Annual Fee: None
Returned Check Fee: $29.00
Late Fee: $15-$35
Overlimit Fee: $35.00
Reward Program: ScoreCard® Bonus Points
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Balance Transfer Fee: None
Ongoing APR: As low as Prime + 4.00% (Currently 7.25%)
Cash Advance APR: As low as Prime + 8.00% (Currently 11.25%)
Cash Advance Fee: 5% (min. $5, max. $100)
Annual Fee: None
Returned Check Fee: $29.00
Late Fee: $15-$35
Overlimit Fee: $35.00
Reward Program: ScoreCard® Bonus Points
Features:
- 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.
Discover® Student Open RoadSM Card
Get the card that's right for you, now and down the road.
Summary:
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: 14.99% Fixed
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: Full 5% on Gas Purchases*
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: 14.99% Fixed
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: Full 5% on Gas Purchases*
Features:
- 0% Interest* on Purchases for 6 Months
- Build Your Credit History
- Full 5% Cashback Bonus® on gas and auto maintenance purchases*
- Up to 1% Cashback Bonus® on all other purchases*
- $0 Fraud Liability Guarantee
- No Annual Fee
*View rates, fees, rewards and other important information.
Pulaski Bank Visa® Gold Card
Zero worries. Zero hassles. Zero % balance transfers.
Summary:
APR for Balance Transfers: 0.00% (for 6 Months)
Balance Transfer Fee: None
Ongoing APR: 8.00%
Cash Advance APR: 8.00%
Cash Advance Fee: None
Annual Fee: $50.00
Returned Check Fee: $29.00
Late Fee: $15-$35
Overlimit Fee: $35.00
APR for Balance Transfers: 0.00% (for 6 Months)
Balance Transfer Fee: None
Ongoing APR: 8.00%
Cash Advance APR: 8.00%
Cash Advance Fee: None
Annual Fee: $50.00
Returned Check Fee: $29.00
Late Fee: $15-$35
Overlimit Fee: $35.00
True Earnings® Card from Costco and American Express
Earn Cash Back with the True Earnings® Card from Costco and American Express.
Summary:
APR for Balance Transfers: 1.99% (for 6 Months)
Balance Transfer Fee: None if submitted in the first 30 days*
Intro APR for Purchases: 0.00% (for 3 Months)
Ongoing APR: Prime + 9.99% (Currently 13.24%)
Cash Advance APR: Prime + 17.99% (Currently 21.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Returned Check Fee: $38.00
Late Fee: $15-$35
Overlimit Fee: $29.00
Reward Program: Up to 3% Cash Back
APR for Balance Transfers: 1.99% (for 6 Months)
Balance Transfer Fee: None if submitted in the first 30 days*
Intro APR for Purchases: 0.00% (for 3 Months)
Ongoing APR: Prime + 9.99% (Currently 13.24%)
Cash Advance APR: Prime + 17.99% (Currently 21.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Returned Check Fee: $38.00
Late Fee: $15-$35
Overlimit Fee: $29.00
Reward Program: Up to 3% Cash Back
Features:
- Earn cash back on gas and a $25 statement credit with your first made with the Card.
- Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- No Annual Fee with your paid Costco Membership
- The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
- No Limit on the Cash Back earned
Starwood Preferred Guest® Credit Card
Earn FREE NIGHTS and FREE FLIGHTS with the Starwood Preferred Guest® Credit Card!
Summary:
APR for Balance Transfers: 2.90% (for 6 Months)
Balance Transfer Fee: None if submitted with this application
Intro APR for Purchases: 2.90% (for 6 Months)
Ongoing APR: Prime + 9.99% (Currently 13.24%)
Cash Advance APR: Prime + 17.99% (Currently 21.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $45, First Year Free
Returned Check Fee: $38.00
Late Fee: $19-$38
Overlimit Fee: $35.00
Reward Program: Starpoints
APR for Balance Transfers: 2.90% (for 6 Months)
Balance Transfer Fee: None if submitted with this application
Intro APR for Purchases: 2.90% (for 6 Months)
Ongoing APR: Prime + 9.99% (Currently 13.24%)
Cash Advance APR: Prime + 17.99% (Currently 21.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $45, First Year Free
Returned Check Fee: $38.00
Late Fee: $19-$38
Overlimit Fee: $35.00
Reward Program: Starpoints
Features:
- 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
Pulaski Bank MasterCard® or VISA®
High Velocity Savings! Best Credit Card Rates in the Country...
Summary:
APR for Balance Transfers: 0.00% (for 6 Months)
Balance Transfer Fee: None
Ongoing APR: 6.50%
Cash Advance APR: 6.50%
Cash Advance Fee: None
Annual Fee: $35.00
Returned Check Fee: $29.00
Late Fee: $15-$35
Overlimit Fee: $35.00
APR for Balance Transfers: 0.00% (for 6 Months)
Balance Transfer Fee: None
Ongoing APR: 6.50%
Cash Advance APR: 6.50%
Cash Advance Fee: None
Annual Fee: $35.00
Returned Check Fee: $29.00
Late Fee: $15-$35
Overlimit Fee: $35.00
Delta Reserve Credit Card
The New Elite Travel Card with Premium Rewards.
Summary:
APR for Balance Transfers: 9.99% (for 12 Months)
Balance Transfer Fee: None if submitted with this application*
Ongoing APR: Prime + 9.99% (Currently 13.24%)
Cash Advance APR: Prime + 17.99% (Currently 21.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $395-$450*
Returned Check Fee: $38.00
Late Fee: $19-$38
Overlimit Fee: $35.00
Reward Program: Miles + Travel Benefits
APR for Balance Transfers: 9.99% (for 12 Months)
Balance Transfer Fee: None if submitted with this application*
Ongoing APR: Prime + 9.99% (Currently 13.24%)
Cash Advance APR: Prime + 17.99% (Currently 21.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $395-$450*
Returned Check Fee: $38.00
Late Fee: $19-$38
Overlimit Fee: $35.00
Reward Program: Miles + Travel Benefits
Features:
- Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
- Earn up to 10,000 Medallion® Qualification Miles (MQMs) after your first purchase*
- Built-in Miles BoostSM—earn up to 30,000 MQMs and 30,000 bonus miles*
- Complimentary Crown Room Club® access for you and two guests*
- Access to American Express® Concierge Services*
- Pay with Miles—pay for all or part of any Delta flight with your miles*
*See web site for complete terms & conditions.
Discover® Student Card
Easy online account options that put you in control
Summary:
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: 14.99% Fixed
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: 1-20%* Cashback Bonus®
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: 14.99% Fixed
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Reward Program: 1-20%* Cashback Bonus®
Features:
- 0% Interest* on Purchases for 6 Months
- 5% to 20% Cashback Bonus® at top online retailers*
- No Annual Fee
- $0 Fraud Liability Guarantee
*View rates, fees, rewards and other important information.
What is the credit card APR?
APR stands for Annual Percentage Rate, and it is perhaps the most important attribute of a credit card if you are planning on carrying a significant balance over a longer period of time. In simple terms, the amount of interest you must pay on your credit card balance depends on its APR. Generally, the lower the APR the better for you, because it means you pay less interest. APR can either be "fixed" or "variable". Fixed APR cards usually have a bit higher interest rate, but you'll know exactly how much interest you will be charged at the end of each month. A card, with variable or floating rate, will have a fluctuating interest rate, based on an index (the "Prime" or the "LIBOR" rate) plus a variable. Most variable rate cards use the "Prime" index and it is published in the Wall Street Journal. The Prime Rate doesn't change too frequently, but one never knows when they change it, and in what direction.