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 a full 15 months, then the Regular APR 0% intro APR on purchases for a full 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: 5% (minimum $10)* Get more details about this offer Apply for the Discover® More® Card online!

Miles by  Discover® Card

A Miles card with no annual fee! 12,000 Bonus Miles - 1,000 Bonus Miles each month you make a purchase for your first year Double Miles on your first $3,000 in travel and restaurant purchases each year Double Miles through our exclusive online shopping site One Mile for every dollar on all other purchases Flexible redemption options for travel, gift cards, or cash 0% intro APR on balance transfers and purchases for 6 months, then the Regular APR *View rates, fees, rewards and other important information. APR for Balance Transfers: 0.00% (for *) Balance Transfer Fee: 3% (minimum $10)* 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!

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: 5% (minimum $10)* Get more details about this offer Apply for the Discover® More® Card - Clear online!

True  Earnings® Card from Costco

Earn Cash Back with the True Earnings® Card from Costco and American Express. 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 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® Card

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. Use Starpoints® for free nights and upgrades at 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 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 online!

Delta Reserve  Credit Card

The New Elite Travel Card with Premium Rewards. 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. 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 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. Get more details about this offer Apply for the Discover® Student Card online!