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: 4% (minimum $10)*
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 11.99%-20.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Annual Fee: None
Returned Check Fee: Up to $35
Late Fee: Up to $35
Reward Program: 1-5% Cashback Bonus®

Features:

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.

More info Apply

Blue Cash® from American Express

Earn up to 5% cash back on everyday purchases - even gas!

Summary:

APR for Balance Transfers: As low as Prime + 13.99% (Currently 17.24%)
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: 17.24%-21.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Returned Check Fee: $35.00
Late Fee: $35.00
Overlimit Fee: N/A
Reward Program: Up to 5% Cash Back

Features:

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

More info Apply

Blue Sky from American Express(SM)

Say good-bye to Travel Reward Restrictions!

Features:

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

More info Apply

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: 5% (minimum $10)
Annual Fee: None
Returned Check Fee: Up to $35
Late Fee: Up to $35
Reward Program: Air Miles

Features:

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.

More info Apply

Discover® More® Card - Clear

5% Cashback Bonus®*!

Summary:

APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 4% *
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 11.99%-20.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Annual Fee: None
Returned Check Fee: Up to $35
Late Fee: Up to $35
Reward Program: 1-5% Cashback Bonus®

Features:

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.

More info Apply

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: 15.24
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: 15.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Returned Check Fee: $35.00
Late Fee: $35.00
Overlimit Fee: N/A
Reward Program: Up to 3% Cash Back

Features:

No annual fee for Costco members
0% intro APR on purchases for six months
Earn cash back wherever you buy, including 3% for gasoline for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, and 1% virtually everywhere else
Rated 4.5 out of 5 stars in Overall Satisfaction Rating, based on feedback from current TrueEarnings(R) Cardmembers from Costco and American Express

More info Apply

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

Features:

8.00% APR
Low Rate
No Annual Fee
0% Balance Transfers

More info Apply

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

Features:

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

More info Apply

Starwood Preferred Guest® Credit Card from American Express

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: 15.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $45, First Year Free
Returned Check Fee: $35.00
Late Fee: $35.00
Overlimit Fee: N/A
Reward Program: Starpoints

Features:

Earn up to 25,000 Starpoints® — enough for up to 6 free nights at a category 1 or 2 hotel.
Redeem Starpoints® for free nights at over 1,000 hotels and resorts in nearly 100 countries and for free flights on over 350 airlines - all with no blackout
No annual fee for the first year and $65 thereafter.
Stay 2 nights and get the 3rd night free at participating Sheraton® Hotels and Resorts worldwide.
Earn 4 to 5 Starpoints for every dollar you spend at Starwood Preferred Guest Hotels and Resorts.
Smarter Travel Editor's Choice Award for Best Travel Awards Card for Domestic Use.

See Card Terms and Conditions

More info Apply

Discover® Student Card

Easy online account options that put you in control

Summary:

Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 12.99%-19.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 5% (minimum $10)
Annual Fee: None
Returned Check Fee: Up to $35
Late Fee: Up to $35
Reward Program: 1-20%* Cashback Bonus®

Features:

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.

More info Apply

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: 14.50% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $450*
Returned Check Fee: $35.00
Late Fee: $35.00
Overlimit Fee: N/A
Reward Program: Miles + Travel Benefits

Features:

Earn 10,000 Medallion® Qualification Miles (MQMs) with your first purchase, and Miles Boosts^SM of up to 30,000 MQMs when you spend $60,000 in a calendar year
Annual complimentary First-Class companion ticket with Card renewal
Delta Sky Club™ access for you and your guests
Check your first bag free on every Delta flight
Rated 4 out of 5 stars in Overall Satisfaction Rating, based on feedback from current Delta Reserve Credit Cardmembers from American Express

*See web site for complete terms & conditions.

More info Apply

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.