Best Low APR
Save on interest with low rates. Here are our top picks for 2025.
OUR TOP PICK
Us Bank
U.S. Bank Shield™ Visa® Card
ANNUAL FEE
$0
APR
0% intro for 24 billing cycles, then 17.74%–28.74% variable
WELCOME BONUS
None
REWARDS
4% on travel booked through U.S. Bank Travel Rewards Center
WHY WE LOVE IT
- ✓**Industry-best 24-month 0% intro APR** on purchases and balance transfers
- ✓No annual fee saves money while providing extended financing
- ✓Valuable $20 annual statement credit (earned after 11 months)
- ✓Comprehensive cell phone protection up to $600 per claim
- ✓Purchase security, extended warranty, and auto rental coverage included
- ✓No penalty APR for late payments
- ✓ExtendPay option provides flexibility after intro period
- ✓Two full years to pay off balances without interest
MORE GREAT OPTIONS
Wells Fargo
Wells Fargo Reflect® Card
NO FEE
Annual Fee:$0
Welcome Bonus:None...
REWARDS
No traditional rewards program (My Wells Fargo Deals available)
What to Consider
How do I choose the right low apr card?▼
Consider your spending habits, credit score, and financial goals. Look at the rewards structure, annual fees, and additional benefits to find the best match for your needs.
What credit score do I need?▼
Most low apr cards require good to excellent credit (670+). However, some cards are available for those building or rebuilding credit. Check each card's requirements before applying.
Are annual fees worth it?▼
It depends on how you use the card. Cards with annual fees often offer higher rewards rates and premium benefits. Calculate if the rewards and perks you'll use outweigh the fee.
Ready to Apply?
Compare all low apr cards or explore other categories to find your perfect match.