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Low APR Credit Cards (on Purchases)
Compare Low Interest Credit Cards
Compare credit cards that offer low introductory and/or ongoing (regular) interest rates and apply online. Review cards that offer 0% introductory APRs, as well as cards that carry a low fixed or variable regular APR.
For more information about low interest credit cards, see our credit cards tips and advice .
:: About Low APR Credit Cards | Recommender | Credit Score Estimator | Free Credit Score
Top Pick: Low APR Credit Cards
Discover More Card
0% Intro APR for 12 months on Purchases and Balance Transfers
Earn more cash in more ways than anyone else(SM)*
Unlimited cash rewards, automatically
5% Cashback Bonus ® in categories like travel, home, gas, restaurants, movies and more
Up to 1% Cashback Bonus on all other purchases automatically
No annual fee
Intro APR on Purchases
Intro APR on Transfers
Regular APR
Annual Fee
Credit Needed
0% for 12 months*
0% for 12 months*
As low as 10.99%*
$0
Good Credit
Clear from American Express
No fees of any kind. No annual fee, no late fees, no over-limit fees, no balance transfer fees, no cash advance fees.
0% intro APR for up to 12 months on purchases*
Balance transfer requests submitted on application receive APR of 3.99% for 12 months*
Express Approval — Get a decision in less than 60 seconds
Automatic Rewards. You'll get an American Express branded shopping card worth $25 delivered straight to your door every time you spend $2,500.
Pay in full, or carry a balance.
Intro APR on Purchases
Intro APR on Transfers
Regular APR
Annual Fee
Credit Needed
0% for up to 12 months*
3.99% for 12 months*
As low as 13.49%*
$0
Good Credit
Blue from American Express
0% APR on purchases for up to 12 months*
Low Balance Transfer APR - 2.99% for 12 months*
Express Approval — Get a decision in less than 60 seconds
Membership Rewards Express® program
Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences
No annual fee
Intro APR on Purchases
Intro APR on Transfers
Regular APR
Annual Fee
Credit Needed
0% for up to 12 months*
2.99% for 12 months*
As low as 11.49%*
$0
Excellent Credit
HSBC Platinum MasterCard with Cash Back Rewards
Earn unlimited 1% cash back rewards on new net retail purchase, everywhere you shop
Simple and straightforward rewards: no earnings caps, spending categories, tiers or point expiration
Platinum benefits include unlimited purchase protection, extended warranties and rental car insurance
0% Introductory APR on card purchases and balance transfers for 12 months and no annual fee*
Instant decision in as little as 60 seconds
Intro APR on Purchases
Intro APR on Transfers
Regular APR
Annual Fee
Credit Needed
0% for 12 months*
0% for 12 months*
As low as 8.99%*
$0
Good Credit
Capital One Platinum Visa
Buy what you've been dreaming of and pay no interest until May 2009 on purchases
Save with a low non-intro variable APR, currently 8.9%
This great rate can help you avoid higher interest payments while you work to lower your balance each month
Platinum Benefits including extended warranties, travel accident insurance, and 24-hour roadside assistance
No balance transfer fees
$39 annual fee
Intro APR on Purchases
Intro APR on Transfers
Regular APR
Annual Fee
Credit Needed
0% until May 2009*
n/a
8.90%(V)*
$39*
Average Credit
Discover Business Card
Note: This is a business credit card
SPECIAL OFFER Apply Now and Get $100 Cashback Bonus**
0% Intro APR for 12 months on purchases and 3.99% intro APR for 6 months on balance transfers
5% Cashback Bonus ® on office supplies, 2% on gas, up to 1% on all other purchases
Free employee cards with customizable limits and monthly reporting on their spending
Earn 5 to 20% Cashback Bonus at top retailers through Discover's exclusive online shopping site
Fee-free Purchasechecks that earn Cashback Bonus ® to pay merchants who don't accept credit cards
No annual fee
Intro APR on Purchases
Intro APR on Transfers
Regular APR
Annual Fee
Credit Needed
0% for 12 months*
3.99% for 6 months*
13.99%*
$0
Good Credit
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:: Credit cards with low balance transfer rates
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:: About Credit Cards: Introductory APRs ::
An intro APR is a temporary, lower APR that typically changes to a higher rate after the intro period (typically 3-15 months). Some credit cards have an intro APR attached to only purchases, some have an intro APR attached to only balance transfers and some...click for more information
* See the online credit card application for details about terms and conditions of a specific offer.
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