Earn unlimited 1.5 points for every $1 you spend on all purchases, everywhere, every time – no matter how much you spend
Earn 3 points per every dollar spent when you book your travel (car, hotel, airline) through the Bank of America® Travel Center
Earn 30,000 bonus points when you make at least $3,000 in net purchases within 90 days of your account opening which can be redeemed for a $300 statement credit towards travel purchases
Get 75% more points on the base earn of every purchase you make when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you'll earn 2.62 points on all purchases and 4.12 points for every $1 you spend at the Bank of America® Travel Center.
0% introductory APR on purchases for 9 billing cycles from account opening
Earn 3% cash back on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services, or business consulting services
Earn 2% cash back on dining, earn unlimited 1% cash back on all other purchases
Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening
Get 75% more cash back on every purchase when you're a Preferred Rewards for Business Platinum Honors tier member. That means you'll earn 5.25% on your selected choice category, 3.5% on dining, and unlimited 1.75% cash back on all other purchases.
The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 13.74% - 23.74%, based on your creditworthiness. All transfers must be completed in first 4 months.
0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 13.74% - 23.74%, based on your creditworthiness.
If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full.
There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
Get free access to your FICO® score online.
With Citi Entertainment℠, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 toward travel.
Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
The credit card offers that appear on this site are from credit card companies from which CardRates.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CardRates.com does not include all credit card companies or all available credit card offers.
Review Breakdown: Best Low APR Credit Cards
Finding the lowest interest rate on a credit card can be tricky, especially when low-interest offers mix an ongoing APR rate with a special introductory rate. Below is a simply summary table to help you better determine the best low interest credit card for your financial needs.
A low credit card APR is a valuable commodity if you ever carry a balance, as the higher your interest rate, the more you’ll be charged in interest fees. Indeed, an increase of just a few percentage points can make a huge difference in how much money you’ll pay over the course of a year.
This is true of APRs for all loan types — not just credit cards. But how do you ensure a low interest rate?
Here are a few steps for keeping your credit card rates low.
1. Always Pay Your Bill on Time
In addition to paying late fees on late or missed payments, many credit cards will also start charging you what’s known as a penalty APR. Typically much higher than your normal purchase APR, penalty rates can cause your interest fees to skyrocket.
Fortunately, the CARD Act of 2009 makes it much more difficult for credit card issuers to give consumers penalty rates. However, if you have a delinquency on your credit card of 60 days or more (meaning you’ve missed at least two payments), you may trigger a penalty rate.
This means the credit card company can increase your rate on your existing balance, and they aren’t required to lower it until you regularly pay your bill on time for the next six months.
To help make sure you always pay your bill on time, create reminders in your phone or calendar if you have trouble remembering due dates, or, better yet, set up automatic payments from your bank account. If your minimum payments are too high, call your credit company and ask if you can make other arrangements — before you get in trouble and find yourself with a higher interest rate (and a balance that grows more quickly).
2. Negotiate Your Interest Rate
Believe it or not, some credit card companies will lower your APR upon your request. Call your credit company, sell yourself as a good customer, and remind them how many years you’ve been banking with them.
Let them know of competing credit card offers from other banks with much lower APRs. Mention how you’d like to stay loyal to them and ask for a lower APR.
If they say no or do not offer a low enough rate, ask to speak to a supervisor or someone in the retention department.
Still no luck? You may want to try calling again a few days later and see if a different representative can help.
3. Transfer Your Balance
When obtaining a lower interest rate on your current card isn't an option, you may be able to reduce your interest fees by transferring your balance to a new card with a lower rate. This can help you pay off your debt faster, as more of your payment will go toward your balance instead of interest fees.
If you have at least good credit, many banks offer great introductory credit card offers with 0% interest on balance transfers for a year or longer. Just read the fine print so you know what interest rate to expect once the introductory period ends.
If it’s higher than your current rate, it may not be a great deal unless you make major progress on your balance during the 0% introductory period.
Additionally, be aware of any applicable balance transfer fees. Most credit cards will charge a fee — typically 3% to 5% of the total transferred amount — to transfer a balance to the card. While this fee can be well worth it for a good 0% APR offer, crunch the numbers to see if it’s worth paying for lesser APR decreases.
4. Avoid Variable Rates
When you have a variable rate on your credit card, it is tied to an index (generally the U.S. Prime Rate). As the market fluctuates, so, too, will your interest rate.
The only problem? Fixed rate credit cards are harder to find since the CARD Act went into effect, so you may need to do a decent bit of hunting to find one. Most major credit card issuers don’t have fixed-rate cards, but you may have better luck with your local credit unions or community banks.
Maintaining a low credit card APR is easy if you follow some basic steps.
Editorial Note: Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
The information on this page was reviewed for accuracy on .
About the Author
Brittney Mayer Credit Analyst
Brittney is a Credit Strategist and Finance Expert who has spent years honing her knowledge of the credit industry both personally and professionally. Brittney applies her more than a decade of research experience to crafting in-depth consumer guides designed to help CardRates readers make better, more informed financial decisions.
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Advertiser Disclosure: The credit card offers that appear on this site are from credit card companies from which CardRates.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CardRates.com does not include all credit card companies or all available credit card offers. See the credit card issuer's website for specific terms and conditions of each card.