Apply for a Low APR Credit Card in 3 Easy Steps
- Compare current low interest credit card offers.
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- Complete the online application.
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Over the past year, credit card interest rates have declined significantly. However, getting approved for a low APR credit card is not as straightfoward as it may seem. Credit card companies offer different interest rates to different consumers based on internal credit reviews. Consequently, many credit cards that advertise low APRs may not truly be low APR credit cards. One way to make sure you get a low interest rate in the near term is to apply for a credit card that offers a 0% APR on purchases and balance transfers for a year. With a 0% APR credit card, you can defer all interest costs. This not only puts more money in your bank, but can also help you pay down high interest credit card debt faster. |
| Offers and Interest Rates last updated
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| Highlight: Earn 5% cash back on all gas purchases, plus get a 0% APR on balance transfers for 1 year. |
| LOW APR*: |
10.99% |
| INTRO APR*: |
0% |
| INTRO TERM*: |
1 Year |
| ANNUAL FEE: |
$0 |
| CREDIT TYPE: |
Good |
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| Highlight: Apply online now for this low APR credit card and get a 0% Intro APR on Purchases and Balance Transfers for 1 year. |
| LOW APR*: |
10.99% |
| INTRO APR*: |
0% |
| INTRO TERM*: |
1 Year |
| ANNUAL FEE: |
$0 |
| CREDIT TYPE: |
Good |
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| Highlight: Offers a 0% Intro APR for up to 12 months, plus a 2.99% APR for 1 year on balance transfers. Choose to carry a balance or pay in full. |
| LOW APR*: |
As low as 10.99%* |
| INTRO APR*: |
0% |
| INTRO TERM*: |
Up to 12 Months |
| ANNUAL FEE: |
$0 |
| CREDIT TYPE: |
Excellent |
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| Highlight: Offers a 0% APR on purchases and balance transfers until January 2010 and charges no annual fee. Excellent credit required for approval. |
| LOW APR*: |
8.9% |
| INTRO APR*: |
0% |
| INTRO TERM*: |
Until 1/2010 |
| ANNUAL FEE: |
$0 |
| CREDIT TYPE: |
Excellent |
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| Highlight: This low APR airline rewards credit card offers a 0% APR on purchases until January 2010 as well as No Hassle Miles Rewards. |
| LOW APR*: |
9.9% |
| INTRO APR*: |
0% |
| INTRO TERM*: |
Until 1/2010 |
| ANNUAL FEE: |
$0 |
| CREDIT TYPE: |
Excellent |
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| Highlight: Enjoy a 0% Intro APR* on Purchases and Balance Transfers for 6 months. Plus, receive 12,000 Bonus Miles*. |
| LOW APR*: |
10.99% |
| INTRO APR*: |
0% |
| INTRO TERM*: |
6 Months |
| ANNUAL FEE: |
$0 |
| CREDIT TYPE: |
Good |
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| Low APR Page 1 | Low APR Page 2 | Low APR Page 3 |
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Recent Low APR Credit Card Articles |
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You've seen the offers: 0% balance transfer, pay no interest for one year. For those carrying balances on high interest credit cards, the savings that can be reaped with these balance transfer offers is tremendous. However, one false move and you'll not only lose the 0% rate, you might also end up paying a higher rate than the one you previously paid. Credit card issuers call it the default rate, and it can range up to 29.99% or more, a far cry from 0%....Read More |
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| *All low APR credit card application information is presented "as is" and without warranty and is subject to change. See low APR credit card applications for complete terms and conditions. All stated low APR credit card APRs are lowest available rates. You may be approved and offered a higher rate. Credit Card Depot Inc. attempts to maintain accurate information, but occasionally, a discrepancy may occur. |
