Low APR Credit Cards

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 simpler terms, the amount of interest you must pay on your credit card balance depends on its APR. Generally, the lower the APR, the better it is for you because it means you pay less interest. APR can either be "fixed" or "variable." Fixed-rate 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 it is difficult to predict when they will change it and in what direction.

The following are cards with the lowest APRs which were found online. Our factoring scheme organized these cards by computing a number of their attributes to place the best deals at the top. At Balance-Transfer-Credit-Card.com, we take our job seriously when it comes to providing accurate and up to date information to our site visitors, so please compare these cards to the ones you have or have been considering. If they are better, you are nothing but a click away from applying for any one of them

Discover®  More® Card

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. APR for Balance Transfers: 0.00% (for *) Balance Transfer Fee: 4% (minimum $10)* Get more details about this offer Apply for the Discover® More® Card online!

Blue Cash®  from American Express

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 APR for Balance Transfers: As low as Prime + 13.99% (Currently 17.24%) Balance Transfer Fee: 3% (minimum $5) Get more details about this offer Apply for the Blue Cash® from American Express online!

Miles by  Discover® Card

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. APR for Balance Transfers: 0.00% (for *) Balance Transfer Fee: 3% * Get more details about this offer Apply for the Miles by Discover® Card online!

Visa® Black  Card™

The World's most Prestigious Credit Card. Limited Membership 24-Hour Concierge Service Exclusive Rewards Program Luxury Gifts Patent Pending Carbon Card Annual Fee $495 View the terms and Conditions. APR for Balance Transfers: 0.00% (for 6 Months*) Balance Transfer Fee: 3% ($5 minimum) max. $50 during the Introductory Period* Get more details about this offer Apply for the Visa® Black Card™ online!

Blue Sky from  American Express(SM)

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 APR for Balance Transfers: As low as Prime + 13.99% (Currently 17.24%) Balance Transfer Fee: 3% (minimum $5) Get more details about this offer Apply for the Blue Sky from American Express(SM) online!

Discover®  More® Card - Clear

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. APR for Balance Transfers: 0.00% (for *) Balance Transfer Fee: 4% * Get more details about this offer Apply for the Discover® More® Card - Clear online!

True  Earnings® Card from Costco and American Express

Earn Cash Back with the True Earnings® Card from Costco and American Express. 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 APR for Balance Transfers: 15.24 Balance Transfer Fee: 3% (minimum $5) Get more details about this offer Apply for the True Earnings® Card from Costco and American Express online!

Pulaski Bank  Visa® Gold Card

Zero worries. Zero hassles. Zero % balance transfers. 8.00% APR Low Rate No Annual Fee 0% Balance Transfers APR for Balance Transfers: 0.00% (for 6 Months) Balance Transfer Fee: None Get more details about this offer Apply for the Pulaski Bank Visa® Gold Card online!

Pulaski Bank  Credit Card

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 APR for Balance Transfers: 0.00% (for 6 Months) Balance Transfer Fee: None Get more details about this offer Apply for the Pulaski Bank MasterCard® or VISA® online!

Starwood  Preferred Guest® Credit Card from American Express

Earn FREE NIGHTS and FREE FLIGHTS with the Starwood Preferred Guest® Credit Card! 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 APR for Balance Transfers: 2.90% (for 6 Months) Balance Transfer Fee: None if submitted with this application Get more details about this offer Apply for the Starwood Preferred Guest® Credit Card from American Express online!

Delta Reserve  Credit Card

The New Elite Travel Card with Premium Rewards. Earn 10,000 Medallion® Qualification Miles (MQMs) with your first purchase, and Miles BoostsSM 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. APR for Balance Transfers: 9.99% (for 12 Months) Balance Transfer Fee: None if submitted with this application* Get more details about this offer Apply for the Delta Reserve Credit Card online!

Discover®  Student Card

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 details about this offer Apply for the Discover® Student Card online!