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Best Credit Card Deals - Lowest APR
Bank products promoted as low rate credit card deals are known for providing extremely low interest rates either for the introductory period, or for the whole period of credit usage. Though the concept of low interest rate is quite relative (as credit applications can be for different credit scores), the lowest rates indeed can be found among credit card deals for good and excellent credit. The latter are presented at this page for your consideration.
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 Special Offers fromBestCreditOffers.com |
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 Discover® CardMore® Card - Clear 
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 HSBC Bank NevadaAmerican DreamCard™ MasterCard® Sweepstakes
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 Discover® CardMore® Card - American Flag
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0% Intro APR on Purchases and Balance Transfers.
No Annual Fee.
5% Cashback Bonus®.*
Everybody wants to have a credit card with a low APR, preferably tending to zero. But a real low interest rate credit deal is hard to be found. If you look at credit card ads by most banks, they all claim to have the lowest interest in the world. But if you look closer at the fine print of some credit products, you can find some details that can make you rather disappointed. Companies prefer keeping higher fees, short introductory APR and other disadvantages written in tiny letters and incomprehensible style.
It is common knowledge that your credit score should be the basic factor when choosing a credit card. Mind it, if you happen to apply for a credit card you are not eligible for, your credit score will be damaged, leading to further denials.
| Bank Name Credit Card Name |
Intro APR PURCH. | Intro Period PURCH. | Intro APR BAL.TR. | Intro Period BAL.TR. | APR % | Annual Fee | Apply Details |
Discover® CardDiscover® Open Road® Card |
0% | 6 months | 0% | 6 months | 11.99%± | $0 |
online see details |
First of all, look at the issuing banks: it can be probably so that you are already a customer of one of them. Some banks offer special terms for those who apply for a second or third card with them. It is also worth mentioning that Visa and MasterCard are more widely accepted than, say, American Express or Discover, but the latter can imply much better rates and rewards.
The following tip is addressed to those who are not used to reading the terms and conditions list. A significant characteristic for a number of low interest credit applications is an introductory period, usually followed by an ongoing APR which is far from 0 %. There are also offers with a fixed APR, but one should be ready to the possibility of this rate's increase. Do not be lazy and look at the tables with all the rates and fees: sometimes they can outshine rewards and promotional APR. Undoubtedly, the greatest low interest credit product should be great in every feature. So, evaluate the cards' features and choose the most advantageous product for you. We arranged all the fees and charges of each credit deal so that it is easy to make a comparison.
People, who are not in the habit of spending thousands with credit cards, may find it excessive to have a credit deal with cash back or points. The matter is that rewards credit deals can sometimes have higher interest rate. Look at the fees implied. As a rule, low interest cards include no annual fee. If you are going to use your credit card abroad or you are planning to transfer your current balance from another credit account, pay attention to the foreign exchange fee and the balance transfer fee, accordingly.
As you see, the best credit option is usually found if it suits your needs and lifestyle. Thus, there is another tip for successful credit card search: know what you need and look for a credit deal to match your needs. Want a card to use for emergencies or to carry a balance? A credit deal with 0 % APR and no annual fee is just for you to select! Big spenders can get back a part of their money, getting a bank product with points or cash back rewards. In the category you are looking through at the moment, we tried to collect bank offers with the lowest interest rates, so the rewards they provide are not actually in the focus (to learn more about cards with rewards, see the corresponding sections of our site).
Credit card deals with low or zero interest rate are aimed at lowering your spendings on credit, which is especially beneficial if a person has several cards and doesn't want to drown in interest and charge payments. Apply for a low rate card to save your money today!
Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable
* 5% Cashback Bonus® in categories like travel, home improvement stores, gas, groceries, restaurants, movies and many more.± The Rate and Term Length are subject to change. Please see Terms and Conditions for actual Rate and Term Length.
101 See terms and conditions for important rate, fee and other cost information, and limitations.