If you are the type of person to carry a balance from month to month, then a low APR credit cardis the best one for you to have in your wallet. Low interest rate credit cards are also recommended for large purchases or your holiday shopping if you intend to carry a monthly balance. Each card is different so you will want to read the fine print carefully in order to find the card which is best suited for your needs.
Here is a list of some of the leading credit cards you can apply for online.
Citi Platinum Select Card features a 0% Introductory APR on all purchases and balance transfers. The normal interest rate will apply after the introductory period is over. There is no annual fee and you will have the protection of the Citi Identity Theft Solutions. You will have the option to manage your account online for free and on a secure connection.
Capital One Platinum Prestige has a variable APR on purchases and balance transfers based on the current prime rate. There are no balance transfer fees, and the interest rate you are charged will not increase due to one late payment or if you exceed your credit limit. There is no annual fee for this card. Excellent credit is required to qualify for this card.
Chase Platinum Visa Card offers 0% Introductory rate on balance transfers from other credit card issuers as well as on new purchases. Free travel services have been extended to this cardholder including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance. You will have free online access to your account 24 hours a day, seven days a week. There is no annual fee.
Discover More Card offers a zero percent Introductory rate on all purchases and balance transfers, with a competitive APR charged thereafter. You will receive 5% Cashback Bonus in categories like travel, home, restaurants, movies, and more, and 5% to 20% Cashback Bonus at top retailer through our exclusive online shopping site. You will receive up to 1% Cashback Bonus on all other purchases. There are unlimited cash rewards you can receive. You are able to increase and even double your rewards when you redeem for gift cards at our 100 Cashback Bonus Partners. There is no annual fee charged with this account.
Blue from American Express offers 0% Introductory APR for an extended period of time on all purchases and a low introductory APR on all balance transfers until the balance is paid in full. This card offers the Membership Rewards Program for shopping and entertainment. The normal interest rate will apply following the expiration of the introductory period on purchases. There is no annual fees associated with this card.
Citi Diamond Preferred Card offers 0% Introductory APR on all purchases and balance transfers, afterward the regular interest rate will apply. You will also receive the Citi Identity Theft Solutions. You are not liable for any unauthorized purchases made on your account. You will have access to secure, free online account management. There is no annual fee with this card.
Capital One No Hassles Cash Rewards offer 0% Introductory APR on all new purchases. The prevailing rate will apply to all balance transfers and purchases made after the intro period expires. You receive 1% cash back on all purchases made from the day your account is opened, and 25% annual bonus on the cash earned during the year. There is no limit to the amount of cash back you can earn, and your cash back rewards are available upon request. Your rewards will never expire as long as your account stays active. There is no annual fee with this card. You must have excellent credit to obtain this card.
These are some of the best of the Low APR credit cards available. Because everyone’s financial needs are different, please carefully consider the features and benefits of each offer before you apply.