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.
Blue from American Express®
0% APR for up to 15 months - Get Blue from American Express®
Summary:
APR for Balance Transfers: 4.99% (for Life of Balance)
Balance Transfer Fee: None if submitted with this application*
Intro APR for Purchases: 0.00% (for Up to 15 Months)
Ongoing APR: As low as Prime + 4.99% (Currently 9.99%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Returned Check Fee: $38.00
Late Fee: $19-$38
Overlimit Fee: $35.00
Reward Program: Membership Rewards® Points
APR for Balance Transfers: 4.99% (for Life of Balance)
Balance Transfer Fee: None if submitted with this application*
Intro APR for Purchases: 0.00% (for Up to 15 Months)
Ongoing APR: As low as Prime + 4.99% (Currently 9.99%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Returned Check Fee: $38.00
Late Fee: $19-$38
Overlimit Fee: $35.00
Reward Program: Membership Rewards® Points
Chase Free Cash RewardsSM Visa® Card
A decision that's easy to make: FREE CASH!
Summary:
APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Cash Advance APR: from Prime + 15.99% (Currently 20.99%)
Cash Advance Fee: 3% (minimum $10)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: Cash Back or Gift Card/Certificate
APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Cash Advance APR: from Prime + 15.99% (Currently 20.99%)
Cash Advance Fee: 3% (minimum $10)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: Cash Back or Gift Card/Certificate
Features:
- 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.
Chase Flexible RewardsSM Platinum Visa®
Your choice. Your chase.
Summary:
APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Cash Advance APR: Prime + 15.99% (Currently 20.99%)
Cash Advance Fee: 3% (minimum $10)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: Bonus Points
APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Cash Advance APR: Prime + 15.99% (Currently 20.99%)
Cash Advance Fee: 3% (minimum $10)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: Bonus Points
Features:
- 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.
Citi CashReturnsSM Card
Cash back, without limits.
Summary:
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)
Ongoing APR: As low as Prime + 4.99% (Currently 9.99%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: 1-5% Cashback
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)
Ongoing APR: As low as Prime + 4.99% (Currently 9.99%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: 1-5% Cashback
Features:
- Earn a full 1% cash back on every purchase*
- Get a 20% bonus on the cash back earned on all purchases for the first 12 months
- Checks will be sent automatically every time you earn $50 — no calling necessary
- 0% APR* on balance transfers for up to 12 months
- No Annual Fee
*See Terms and Conditions.
CitiBusiness® Card
The card built for small businesses.
Summary:
APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: Balance transfer fee applies with this offer*
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: Prime + 2.99% (Currently 7.99%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $35.00
APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: Balance transfer fee applies with this offer*
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: Prime + 2.99% (Currently 7.99%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $35.00
Features:
- 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.
Citi® Platinum Select® MasterCard®
We'd like to peak your interest, not your interest rate.
Summary:
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 3.49% (Currently 8.49%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 3.49% (Currently 8.49%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Features:
- 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.
AARP Rewards Platinum Visa® Card
A full 1% back for every dollar you spend.
Summary:
APR for Balance Transfers: 0.00% (for Up to 6 Months*)
Balance Transfer Fee: 3% (minimum $5; maximum $50)
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Cash Advance APR: Prime + 14.74% (Currently 19.74%)
Cash Advance Fee: 3% (minimum $10)
Annual Fee: None
Late Fee: $15-$35
Overlimit Fee: $29.00
Reward Program: Rewards Points
APR for Balance Transfers: 0.00% (for Up to 6 Months*)
Balance Transfer Fee: 3% (minimum $5; maximum $50)
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Cash Advance APR: Prime + 14.74% (Currently 19.74%)
Cash Advance Fee: 3% (minimum $10)
Annual Fee: None
Late Fee: $15-$35
Overlimit Fee: $29.00
Reward Program: Rewards Points
Features:
- 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.
Chase PerfectCard™ MasterCard®
SAVINGS YOU CAN TAKE ON THE ROAD - SAVE 6%!
Summary:
APR for Balance Transfers: 0.00% (for Up to 6 Months*)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Cash Advance APR: from Prime + 15.99% (Currently 20.99%)
Cash Advance Fee: 3% (minimum $10)
Annual Fee: None*
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: Rebate (Credit)
APR for Balance Transfers: 0.00% (for Up to 6 Months*)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Cash Advance APR: from Prime + 15.99% (Currently 20.99%)
Cash Advance Fee: 3% (minimum $10)
Annual Fee: None*
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: Rebate (Credit)
Features:
- 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.
IberiaBank MasterCard®
Some of the lowest rates in the nation.
Summary:
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Balance Transfer Fee: None
Ongoing APR: As low as Prime - 1.00% (Currently 4.00%)
Cash Advance APR: As low as Prime + 0.00% (Currently 5.00%)
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 - 1.00% (Currently 4.00%)
Cash Advance APR: As low as Prime + 0.00% (Currently 5.00%)
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:
- 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.
Citi® Diamond Preferred® Card
Apply now — it's in your best interest!
Summary:
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 3.49% (Currently 8.49%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 3.49% (Currently 8.49%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Features:
- 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.
HSBC Weekend Card
Cash back on all purchases, all the time—double cash back on weekends.
Summary:
APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: 3% ($15 minimum) max. $99 during the Introductory Period*
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as 8.99%
Cash Advance APR: Prime + 15.99% (Currently 20.99%)
Cash Advance Fee: 3% (minimum $15)*
Annual Fee: None
Reward Program: 1-2% Unlimited Cash Back
APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: 3% ($15 minimum) max. $99 during the Introductory Period*
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as 8.99%
Cash Advance APR: Prime + 15.99% (Currently 20.99%)
Cash Advance Fee: 3% (minimum $15)*
Annual Fee: None
Reward Program: 1-2% Unlimited Cash Back
Features:
- 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.
Platinum Business Credit Card from American Express®
Platinum Business Credit Card from OPEN® the Small Business Team
Summary:
APR for Balance Transfers: Fixed 4.99% (for Life of Balance)
Balance Transfer Fee: None if submitted with this application*
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 2.99% (Currently 7.99%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$38
Overlimit Fee: $35.00
Reward Program: Optional (fee applies) Points
APR for Balance Transfers: Fixed 4.99% (for Life of Balance)
Balance Transfer Fee: None if submitted with this application*
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 2.99% (Currently 7.99%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$38
Overlimit Fee: $35.00
Reward Program: Optional (fee applies) Points
Features:
- 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.
Citi® Home Rebate Platinum Select® MasterCard®
Time flies. Wouldn't it be nice if your mortgage did too?
Summary:
APR for Balance Transfers: Prime + 4.99% (Currently 9.99%)
Balance Transfer Fee: Balance transfer fee applies with this offer*
Ongoing APR: Prime + 4.99% (Currently 9.99%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: Mortgage Rebate
APR for Balance Transfers: Prime + 4.99% (Currently 9.99%)
Balance Transfer Fee: Balance transfer fee applies with this offer*
Ongoing APR: Prime + 4.99% (Currently 9.99%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Reward Program: Mortgage Rebate
Features:
- 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.
MoneyReturn® Visa® Platinum Plus®
Get back 10% of your yearly interest charges!
Summary:
APR for Balance Transfers: 0.00% (for six billing cycles)
Balance Transfer Fee: 3% (minimum $10)
Ongoing APR: Prime + 5.99% (Currently 10.99%)
Cash Advance APR: Prime + 15.99% (Currently 20.99%)
Cash Advance Fee: 3%, $10 minimum
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $15-$39
Reward Program: Cash Back (on interest charges)
APR for Balance Transfers: 0.00% (for six billing cycles)
Balance Transfer Fee: 3% (minimum $10)
Ongoing APR: Prime + 5.99% (Currently 10.99%)
Cash Advance APR: Prime + 15.99% (Currently 20.99%)
Cash Advance Fee: 3%, $10 minimum
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $15-$39
Reward Program: Cash Back (on interest charges)
Features:
- No annual fee
- 0% Introductory APR on balance transfers and cash advance checks for your first 6 billing cycles*
- Get back 10% of your yearly interest charges
- Card issued by FIA Card Services, NA.
*See important rate and fee information.
Chase Disney Visa® Card
Get a variety of magical rewards no other card can match!
Summary:
APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $50)
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Cash Advance APR: Prime + 15.99% (Currently 20.99%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $14-$34
Overlimit Fee: $29.00
Reward Program: Disney RewardsSM
APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $50)
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Cash Advance APR: Prime + 15.99% (Currently 20.99%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $14-$34
Overlimit Fee: $29.00
Reward Program: Disney RewardsSM
Features:
- No Annual Fee
- 0% Intro APR for up to 12 months*
- No Block-out Dates
- Visa® Platinum Benefits
*See Pricing & Terms.
Blue Cash® from American Express®
Say hello to the newest Blue - BLUE CASH from American Express®.
Summary:
APR for Balance Transfers: As low as Fixed 4.99% (for Life of Balance)
Balance Transfer Fee: 3% (minimum $5; maximum $99)
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 4.99% (Currently 9.99%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Returned Check Fee: $38.00
Late Fee: $19-$38
Overlimit Fee: $35.00
Reward Program: Up to 5% Cash Back
APR for Balance Transfers: As low as Fixed 4.99% (for Life of Balance)
Balance Transfer Fee: 3% (minimum $5; maximum $99)
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 4.99% (Currently 9.99%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Returned Check Fee: $38.00
Late Fee: $19-$38
Overlimit Fee: $35.00
Reward Program: Up to 5% Cash Back
Features:
- 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
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 + 0.99% (Currently 5.99%)
Cash Advance APR: As low as Prime + 1.99% (Currently 6.99%)
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 + 0.99% (Currently 5.99%)
Cash Advance APR: As low as Prime + 1.99% (Currently 6.99%)
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.
IberiaBank Visa® Classic
Variable rates as low as 7.25%!
Summary:
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Balance Transfer Fee: None
Ongoing APR: As low as Prime - 1.00% (Currently 4.00%)
Cash Advance APR: As low as Prime + 0.00% (Currently 5.00%)
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 - 1.00% (Currently 4.00%)
Cash Advance APR: As low as Prime + 0.00% (Currently 5.00%)
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.
Citi® ProfessionalSM Card with ThankYouSM Network
Work and play can be a real balancing act. The Citi® ProfessionalSM Card helps keep track of which is which.
Summary:
APR for Balance Transfers: Prime + 5.99% (Currently 10.99%)
Balance Transfer Fee: Balance transfer fee applies with this offer*
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: Prime + 5.99% (Currently 10.99%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $35.00
Reward Program: ThankYou Points®
APR for Balance Transfers: Prime + 5.99% (Currently 10.99%)
Balance Transfer Fee: Balance transfer fee applies with this offer*
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: Prime + 5.99% (Currently 10.99%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $35.00
Reward Program: ThankYou Points®
Features:
- 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.
Clear from American Express®
Clear has absolutely no fees.
Summary:
APR for Balance Transfers: Fixed 5.99% (for Life of Balance)
Balance Transfer Fee: None
Intro APR for Purchases: 0.00% (for Up to 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Cash Advance Fee: None
Annual Fee: None
Returned Check Fee: None
Late Fee: None
Overlimit Fee: None
Reward Program: Automatic Rewards
APR for Balance Transfers: Fixed 5.99% (for Life of Balance)
Balance Transfer Fee: None
Intro APR for Purchases: 0.00% (for Up to 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Cash Advance Fee: None
Annual Fee: None
Returned Check Fee: None
Late Fee: None
Overlimit Fee: None
Reward Program: Automatic Rewards
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.