Low APR Credit Cards

The introductory rate will end sooner than you think, and from that point on the single most important attribute of your new card is its "ongoing APR." Be aware of how much you will be paying in interest after the honeymoon is over.

What is a credit card APR?
It is short for Annual Percentage Rate, and it is the single most important attribute of you new credit card if you are in the habit of carrying a large balance over a long enough period of time. In essence, the amount of interest you must pay on your outstanding balance will depend mostly on the card's ongoing APR. The lower the APR, the better it is for you because it allows you to pay less interest. A card, with variable interest rate, will have an interest rate based usually on the "PRIME" index plus a variable assigned by the issuer. The "Prime" index is published in the Wall Street Journal.

Browse the full selection of our list of Low APR credit cards below or choose another credit card type from the menu bar on the left. Compare the information on fees, rewards, and various other card features in the "more info" section of the listed cards.

Discover® More® Card

Make your money worth More.^SM*

Summary:

APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 5% (minimum $10)*
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 11.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Reward Program: 1-5% Cashback Bonus®
Credit Line: Minimum $5,000
Issuer: Discover Bank

Features:

5% Cashback Bonus®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many more
5% to 20% Cashback Bonus® at top online retailers*
Up to 1% Cashback Bonus®on all other purchases automatically
Unlimited cash rewards*
Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners*
0% Intro APR*
Fraud specialists dedicated to helping you 24/7
Timely e-mail reminders to help you avoid fees

*View rates, fees, rewards and other important information.

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% (minimum $10)*
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 11.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Reward Program: Air Miles
Credit Line: Minimum $5,000
Issuer: Discover Bank

Features:

Book any travel, anytime with no blackout dates or restrictions
Double Miles on up to $3,000 in travel and restaurant purchases each year
1 Mile for every $1 on all your other purchases - personal and business
Unlimited Miles that never expire as long as you use your card
Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash
0% Intro APR*

*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: 1.99% (for 6 Months)
Balance Transfer Fee: None if submitted in the first 30 days*
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: Prime + 11.99% (Currently 15.24%)
Cash Advance APR: Prime + 17.99% (Currently 21.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$35
Overlimit Fee: $29.00
Returned Check Fee: $38.00
Grace Period: 20 Days
Reward Program: Up to 3% Cash Back
Issuer: American Express Co.

Features:

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

More info Apply

Discover® More® Card - Clear

5% Cashback Bonus®*!

Features:

Unlimited cash rewards*
5% to 20% Cashback Bonus® at top online retailers*
Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards from over 100 brand-name Partners*
Talk to a knowledgeable person in less than a minute
0% Intro APR*

*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: Prime + 11.25% (Currently 14.50%)
Cash Advance APR: Prime + 17.99% (Currently 21.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $450*
Late Fee: $19-$38
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 20 Days
Reward Program: Miles + Travel Benefits
Issuer: American Express Co.

Features:

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 Boost^SM—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.

More info Apply

Starwood Preferred Guest® Credit Card

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: Prime + 11.99% (Currently 15.24%)
Cash Advance APR: Prime + 17.99% (Currently 21.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $45, First Year Free
Late Fee: $19-$38
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 20 Days
Reward Program: Starpoints
Credit Line: Up to $100,000
Issuer: American Express Co.

Features:

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

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
Late Fee: $15-$35
Overlimit Fee: $35.00
Returned Check Fee: $29.00
Grace Period: 25 Days
Credit Line: $1,000 to $20,000
Issuer: Pulaski Bank

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
Late Fee: $15-$35
Overlimit Fee: $35.00
Returned Check Fee: $29.00
Grace Period: 25 Days
Credit Line: $1,000 to $20,000
Issuer: Pulaski Bank

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