Low APR Credit Cards
What does APR mean? APR is short for Annual Percentage Rate. It is the single most important number to look out for if you carry or plan on carrying a large balance on your new credit card. APR is actually the rate determining the amount of interest you will pay on your credit card balance. The lower the APR, the less you pay in interest charges. Look for other finance charges before making your decision.
Please select one of our Low APR credit cards from below or choose another sub-category of credit cards from the menu on the left.
Discover® More® Card
Make your money worth More.SM*
Summary:
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 5% (minimum $10)*
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 11.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Reward Program: 1-5% Cashback Bonus®
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Credit Line: Minimum $5,000
Issuer: Discover Bank
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 5% (minimum $10)*
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 11.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Reward Program: 1-5% Cashback Bonus®
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Credit Line: Minimum $5,000
Issuer: Discover Bank
Features:
- 0% intro APR on balance transfers for a full 15 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
*View rates, fees, rewards and other important information.
Miles by Discover® Card
A Miles card with no annual fee!
Summary:
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3% (minimum $10)*
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Reward Program: Air Miles
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Credit Line: Minimum $5,000
Issuer: Discover Bank
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3% (minimum $10)*
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Reward Program: Air Miles
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Credit Line: Minimum $5,000
Issuer: Discover Bank
Features:
- 12,000 Bonus Miles - 1,000 Bonus Miles each month you make a purchase for your first year
- Double Miles on your first $3,000 in travel and restaurant purchases each year
- Double Miles through our exclusive online shopping site
- One Mile for every dollar on all other purchases
- Flexible redemption options for travel, gift cards, or cash
- 0% intro APR on balance transfers and purchases for 6 months, then the Regular APR
*View rates, fees, rewards and other important information.
Blue Cash® from American Express®
Earn up to 5% cash back on everyday purchases - even gas!
Summary:
APR for Balance Transfers: As low as Prime + 11.99% (Currently 15.24%)
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: 17.24%-21.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Reward Program: Up to 5% Cash Back
Late Fee: $19-$39
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 25 Days
Credit Line: Up to $100,000
Issuer: American Express Co.
APR for Balance Transfers: As low as Prime + 11.99% (Currently 15.24%)
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: 17.24%-21.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Reward Program: Up to 5% Cash Back
Late Fee: $19-$39
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 25 Days
Credit Line: Up to $100,000
Issuer: American Express Co.
True Earnings® Card from Costco and American Express
Earn Cash Back with the True Earnings® Card from Costco and American Express.
Summary:
APR for Balance Transfers: 15.24
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: 15.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Reward Program: Up to 3% Cash Back
Late Fee: $19-$39
Overlimit Fee: $29.00
Returned Check Fee: $38.00
Grace Period: 20 Days
Issuer: American Express Co.
APR for Balance Transfers: 15.24
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: 15.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Reward Program: Up to 3% Cash Back
Late Fee: $19-$39
Overlimit Fee: $29.00
Returned Check Fee: $38.00
Grace Period: 20 Days
Issuer: American Express Co.
Features:
- Earn cash back on gas and a $25 statement credit with your first made with the Card.
- Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- No Annual Fee with your paid Costco Membership
- The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
- No Limit on the Cash Back earned
Discover® More® Card - Clear
5% Cashback Bonus®*!
Summary:
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 5% (minimum $10)*
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 11.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Reward Program: 1-5% Cashback Bonus®
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Credit Line: Minimum $5,000
Issuer: Discover Bank
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 5% (minimum $10)*
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 11.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Reward Program: 1-5% Cashback Bonus®
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Credit Line: Minimum $5,000
Issuer: Discover Bank
Features:
- 0% intro APR on purchases and balance transfers for 6 months, then the Regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
*View rates, fees, rewards and other important information.
Blue Sky® from American Express®
Say good-bye to Travel Reward Restrictions!
Summary:
APR for Balance Transfers: As low as Prime + 11.99% (Currently 15.24%)
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: 17.24%-21.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Reward Program: Travel Points
Late Fee: $19-$39
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 25 Days
Issuer: American Express Co.
APR for Balance Transfers: As low as Prime + 11.99% (Currently 15.24%)
Balance Transfer Fee: 3% (minimum $5)
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: 17.24%-21.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Reward Program: Travel Points
Late Fee: $19-$39
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 25 Days
Issuer: American Express Co.
Features:
- 0% intro APR on purchases for 6 months and no annual fee
- Flexibility to pay over time
- Turn purchases into free travel: Enjoy travel rewards with no travel restrictions or blackout dates — get points for flights on any airline, stays at any hotel, and car rentals with any company
See Terms, Conditions & Disclosures
Pulaski Bank Visa® Gold Card
Zero worries. Zero hassles. Zero % balance transfers.
Summary:
APR for Balance Transfers: 0.00% (for 6 Months)
Balance Transfer Fee: None
Ongoing APR: 8.00%
Cash Advance APR: 8.00%
Cash Advance Fee: None
Annual Fee: $50.00
Late Fee: $15-$35
Overlimit Fee: $35.00
Returned Check Fee: $29.00
Grace Period: 25 Days
Credit Line: $1,000 to $20,000
Issuer: Pulaski Bank
APR for Balance Transfers: 0.00% (for 6 Months)
Balance Transfer Fee: None
Ongoing APR: 8.00%
Cash Advance APR: 8.00%
Cash Advance Fee: None
Annual Fee: $50.00
Late Fee: $15-$35
Overlimit Fee: $35.00
Returned Check Fee: $29.00
Grace Period: 25 Days
Credit Line: $1,000 to $20,000
Issuer: Pulaski Bank
Pulaski Bank MasterCard® or VISA®
High Velocity Savings! Best Credit Card Rates in the Country...
Summary:
APR for Balance Transfers: 0.00% (for 6 Months)
Balance Transfer Fee: None
Ongoing APR: 6.50%
Cash Advance APR: 6.50%
Cash Advance Fee: None
Annual Fee: $35.00
Late Fee: $15-$35
Overlimit Fee: $35.00
Returned Check Fee: $29.00
Grace Period: 25 Days
Credit Line: $1,000 to $20,000
Issuer: Pulaski Bank
APR for Balance Transfers: 0.00% (for 6 Months)
Balance Transfer Fee: None
Ongoing APR: 6.50%
Cash Advance APR: 6.50%
Cash Advance Fee: None
Annual Fee: $35.00
Late Fee: $15-$35
Overlimit Fee: $35.00
Returned Check Fee: $29.00
Grace Period: 25 Days
Credit Line: $1,000 to $20,000
Issuer: Pulaski Bank
Delta Reserve Credit Card
The New Elite Travel Card with Premium Rewards.
Summary:
APR for Balance Transfers: 9.99% (for 12 Months)
Balance Transfer Fee: None if submitted with this application*
Ongoing APR: 14.50% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $450*
Reward Program: Miles + Travel Benefits
Late Fee: $19-$39
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 20 Days
Issuer: American Express Co.
APR for Balance Transfers: 9.99% (for 12 Months)
Balance Transfer Fee: None if submitted with this application*
Ongoing APR: 14.50% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $450*
Reward Program: Miles + Travel Benefits
Late Fee: $19-$39
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 20 Days
Issuer: American Express Co.
Features:
- Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
- Earn up to 10,000 Medallion® Qualification Miles (MQMs) after your first purchase*
- Built-in Miles BoostSM—earn up to 30,000 MQMs and 30,000 bonus miles*
- Complimentary Crown Room Club® access for you and two guests*
- Access to American Express® Concierge Services*
- Pay with Miles—pay for all or part of any Delta flight with your miles*
- Check your first bag for free on every Delta flight
*See web site for complete terms & conditions.
Starwood Preferred Guest® Credit Card
Earn FREE NIGHTS and FREE FLIGHTS with the Starwood Preferred Guest® Credit Card!
Summary:
APR for Balance Transfers: 2.90% (for 6 Months)
Balance Transfer Fee: None if submitted with this application
Intro APR for Purchases: 2.90% (for 6 Months)
Ongoing APR: 15.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $45, First Year Free
Reward Program: Starpoints
Late Fee: $19-$39
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 20 Days
Credit Line: Up to $100,000
Issuer: American Express Co.
APR for Balance Transfers: 2.90% (for 6 Months)
Balance Transfer Fee: None if submitted with this application
Intro APR for Purchases: 2.90% (for 6 Months)
Ongoing APR: 15.24% Variable
Cash Advance APR: Prime + 21.99% (Currently 25.24%)
Cash Advance Fee: 3% (minimum $5)
Annual Fee: $45, First Year Free
Reward Program: Starpoints
Late Fee: $19-$39
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 20 Days
Credit Line: Up to $100,000
Issuer: American Express Co.
Features:
- Earn up to 25,000 Starpoints ® — enough for up to 6 free nights at a category 1 or 2 hotel.
- Use Starpoints® for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
- No annual fee for the first year and $45 thereafter
- Transfer Starpoints® — almost always on a 1:1 basis — to the frequent flyer programs of over 30 major airlines
- Earn one Starpoint® for every dollar you spend and double Starpoints® at participating Starwood properties and retail partners
- Express Approval. Get a decision in less than 60 seconds.
See Card Terms and Conditions
Discover® Student Card
Easy online account options that put you in control
Summary:
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 13.99%-20.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Reward Program: 1-20%* Cashback Bonus®
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Issuer: Discover Bank
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 13.99%-20.99%
Cash Advance APR: variable, 23.99%
Cash Advance Fee: 3% (minimum $5)
Annual Fee: None
Reward Program: 1-20%* Cashback Bonus®
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Issuer: Discover Bank
Features:
- 0% Interest* on Purchases for 6 Months
- 5% to 20% Cashback Bonus® at top online retailers*
- No Annual Fee
- $0 Fraud Liability Guarantee
*View rates, fees, rewards and other important information.