Credit Cards with Low APR Rates on Purchases

Credit cards with low APR rates on purchases are a great way to reduce interest charges on your credit card if you plan to carry a balance when making purchases.

The best way to avoid interest charges on credit cards is to pay your monthly balance in full, but this may not always fit your budget, so it’s good to apply for low APR credit cards to reduce your finance charges.

Credit cards with low APRs can save you money on your purchases if you plan to regularly carry a balance on your credit card.

However, these 0% APR Introductory Offer Credit Cards may be a better option if you plan to make large purchases or carry a balance for as long as 12 months with no interest charges, but then will pay your balance in full after the introductory offer expires.

If you plan to transfer a balance from another credit card, these 0% APR Balance Transfer Credit Cards can save you money on balance transfers, but you’ll want to use balance transfer cards strictly for transferring balances and make your purchases on a different low APR credit card, unless the 0% APR introductory rate applies to both purchases and balance transfers.

All of these credit cards with low APRs have no annual fees, because annual fees will reduce any savings you would gain from having a low APR credit card. Check out our article on How Annual Fees Increase Your Credit Card APRs to calculate how your annual fee affects your actual APR.

Credit cards with low APR rates are good to have for emergencies as well, as you never know when you may need emergency funds, and low APR cards can help you avoid paying excessive interest charges when you need some extra cash in a hurry.

These are some of the lowest APR credit cards available for consumers.

Credit Cards with the Lowest APRs

These are some of the lowest APR credit cards available with no annual fees.

It’s important to understand that not all applicants will receive the lowest credit card APRs available when applying for some of these low APR cards, as only qualified applicants may receive the best interest rates.

Credit cards with low APR rates can save you a lot of money on interest charges over time, so take advantage of these credit cards with the lowest APRs.


  1. Prime Credit Cards says

    Great site, informative article! Yer right on in my opinion, a Low Rate APR is just a great program to go with and it really helps with savings without having to plan for miles or points. With a low rate card I just simply progress and save. that works best for me! Thanks again for the info!

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