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

Blue from  American Express®

0% APR for up to 15 months - Get Blue from American Express® Membership Rewards ExpressSM program 0% APR for up to 15 months Low Balance Transfer APR — 4.99% Fixed APR for the life of the balance No annual fee Blue is your launch pad to standout shopping and entertainment rewards and one-of-a-kind experiences APR for Balance Transfers: 4.99% (for Life of Balance) Balance Transfer Fee: None if submitted with this application* Get more details about this offer Apply for the Blue from American Express® online!

First PREMIER  MasterCard®

Apply for a Credit Card with Less than Perfect Credit! Monthly reporting to 4 major credit bureaus. Low APR on purchases. Quality Customer Service. 24-Hour Account Access by Phone See Rates, Fees & Terms for current information. Get more details about this offer Apply for the First PREMIER Bank MasterCard® online!

Citi  CashReturnsSM Card

Cash back, without limits. 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. APR for Balance Transfers: 0.00% (for Up to 12 Months*) Balance Transfer Fee: 3% (minimum $5) Get more details about this offer Apply for the Citi CashReturnsSM Card online!

Free Cash  RewardsSM Visa®

A decision that's easy to make: FREE CASH! 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. APR for Balance Transfers: 0.00% (for 12 Months) Balance Transfer Fee: 3% (minimum $5; maximum $75) Get more details about this offer Apply for the Chase Free Cash RewardsSM Visa® Card online!

Money Return  Visa® Platinum

Get back 10% of your yearly interest charges! 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. APR for Balance Transfers: 0.00% (for six billing cycles) Balance Transfer Fee: 3% (minimum $10) Get more details about this offer Apply for the MoneyReturn® Visa® Platinum Plus® online!

Citi® Home  Rebate Platinum Select® MasterCard®

Time flies. Wouldn't it be nice if your mortgage did too? 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. APR for Balance Transfers: Prime + 4.99% (Currently 9.99%) Balance Transfer Fee: Balance transfer fee applies with this offer* Get more details about this offer Apply for the Citi® Home Rebate Platinum Select® MasterCard® online!

Chase Flexible  RewardsSM Visa®

Your choice. Your chase. 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. APR for Balance Transfers: 0.00% (for 12 Months) Balance Transfer Fee: 3% (minimum $5; maximum $75) Get more details about this offer Apply for the Chase Flexible RewardsSM Platinum Visa® online!

IberiaBank  MasterCard®

Some of the lowest rates in the nation. 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. APR for Balance Transfers: 0.00% (for 6 Billing Periods) Balance Transfer Fee: None Get more details about this offer Apply for the IberiaBank MasterCard® online!

Chase  PerfectCard™

SAVINGS YOU CAN TAKE ON THE ROAD - SAVE 6%! 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. APR for Balance Transfers: 0.00% (for Up to 6 Months*) Balance Transfer Fee: 3% (minimum $5; maximum $75) Get more details about this offer Apply for the Chase PerfectCard™ MasterCard® online!

AARP Rewards  Platinum Visa®

A full 1% back for every dollar you spend. 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. APR for Balance Transfers: 0.00% (for Up to 6 Months*) Balance Transfer Fee: 3% (minimum $5; maximum $50) Get more details about this offer Apply for the AARP Rewards Platinum Visa® Card online!

CitiBusiness®  Card

The card built for small businesses. 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. APR for Balance Transfers: 0.00% (for 12 Months) Balance Transfer Fee: Balance transfer fee applies with this offer* Get more details about this offer Apply for the CitiBusiness® Card online!

Platinum  Business Credit Card

Platinum Business Credit Card from OPEN® the Small Business Team 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. APR for Balance Transfers: Fixed 4.99% (for Life of Balance) Balance Transfer Fee: None if submitted with this application* Get more details about this offer Apply for the Platinum Business Credit Card from American Express® online!

Citi®  Diamond Preferred® Card

Apply now — it's in your best interest! 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. APR for Balance Transfers: 0.00% (for Up to 12 Months*) Balance Transfer Fee: 3% (minimum $5) Get more details about this offer Apply for the Citi® Diamond Preferred® Card online!

HSBC Weekend  Card

Cash back on all purchases, all the time—double cash back on weekends. 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. APR for Balance Transfers: 0.00% (for 12 Months) Balance Transfer Fee: 3% ($15 minimum) max. $99 during the Introductory Period* Get more details about this offer Apply for the HSBC Weekend Card online!

Citi®  Platinum Select® MasterCard®

We'd like to peak your interest, not your interest rate. 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. APR for Balance Transfers: 0.00% (for Up to 12 Months*) Balance Transfer Fee: 3% (minimum $5) Get more details about this offer Apply for the Citi® Platinum Select® MasterCard® online!

Blue Cash®  Card

Say hello to the newest Blue - BLUE CASH from American Express®. 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 APR for Balance Transfers: As low as Fixed 4.99% (for Life of Balance) Balance Transfer Fee: 3% (minimum $5; maximum $99) Get more details about this offer Apply for the Blue Cash® from American Express® online!

IberiaBank Visa  Gold CashBack

Low variable rates, plus 1% cash back! 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. APR for Balance Transfers: 0.00% (for 6 Billing Periods) Balance Transfer Fee: None Get more details about this offer Apply for the IberiaBank Visa® Gold Cash Back Rewards Card online!

Advanta Custom  Rewards Card

A business credit card, now with your favorite image on it. 0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR thereafter* 7.99% Variable APR on Purchases Choice of 5% Cash Back on office supplies, gas and more* No Annual Fee and No Limit on Earnings Get employee cards with no fee and set spending limits per user $0 Fraud Liability Personalized card — your company name on the card, plus logo or other image! No Tax ID required for application Build Business Credit with the Advanta BusinessCard * See website for Terms and Conditions. APR for Balance Transfers: 0.00% (for 15 Months) Balance Transfer Fee: 3% (minimum $5; maximum $50) Get more details about this offer Apply for the Advanta Custom Platinum BusinessCard with Rewards online!

IberiaBank  Visa® Classic

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. APR for Balance Transfers: 0.00% (for 6 Billing Periods) Balance Transfer Fee: None Get more details about this offer Apply for the IberiaBank Visa® Classic online!

Capital  One® Standard Platinum

Great choice if you carry a balance short-term. Enjoy 0% on purchases until October 2008 No annual fee Exclusive savings: up to 40% on featured deals and 10% on everything else at the Capital One Saving Zone on Yahoo! Shopping *See website for Disclosures. APR for Balance Transfers: 17.80% Balance Transfer Fee: None Get more details about this offer Apply for the Capital One® Standard Platinum online!

Capital  One® Cash Rewards

A Cash Back card for people New to Credit. 25% annual bonus on the cash you earn* 1% cash back on every purchase 0% APR on purchases until October 2008. After that, variable APR, currently 14.9%* No limit on cash back and rewards won't expire for the life of your account Redeem cash whenever you like $29 annual fee *See website for Disclosures. APR for Balance Transfers: 14.90% Balance Transfer Fee: None Get more details about this offer Apply for the Capital One® No Hassle CashSM Rewards - New to Credit online!

Advanta  Life-of-Balance Card

The BusinessCard as individual as your business...only from Advanta. 2.99% Fixed APR for LIFE on balances transferred within 3 months Choice of 6% Cash Back on Bonus Qualifying purchases* or Travel Rewards No Annual Fee and No Limit on Earnings Get employee cards with no fee and set spending limits per user $0 Fraud Liability Personalized card — your company name on the card, plus your logo. * See website for Terms and Conditions. APR for Balance Transfers: 2.99% (for Life of Balance*) Balance Transfer Fee: Waived for the introductory offer* Get more details about this offer Apply for the Advanta Life-of-Balance Platinum Card online!

Citi®  Dividend Platinum Select® Card for College Students

You've got the power to build your future. 0% APR* for 6 months on purchases, cash advances and balance transfers as long as you do not default under any Card Agreement* Earn 5% cash back on purchases at supermarkets, gas stations, convenience stores, and utilities including cable for 6 months and 2% thereafter. Earn 1% cash back on all other purchases No minimum income or cosigner required Build your credit history No balance transfer fee with this offer *See Terms and Conditions. APR for Balance Transfers: 0.00% (for 6 Months) Balance Transfer Fee: No balance transfer fee with this offer* Get more details about this offer Apply for the Citi® Dividend Platinum Select® Card for College Students online!

Orchard Secured  MasterCard®

Bad Credit — Good Secured MasterCard®! Set your own credit limit starting at $200, all online The perfect card to start building or rebuild your credit Reporting monthly to all major credit bureaus Your choice of payment due dates to fit your schedule Free standard bill pay and online account management tools E-alerts to your email or cell phone to remind you when a payment is due View the Credit Terms & Conditions. Get more details about this offer Apply for the Orchard Bank® Secured MasterCard® online!

IberiaBank  Visa® Platinum Card

The Platinum Card with the SCORECARD® Bonus Point Program. 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. APR for Balance Transfers: 0.00% (for 6 Billing Periods) Balance Transfer Fee: None Get more details about this offer Apply for the IberiaBank Visa® Platinum Rewards Card online!