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Top 10 Best Low APR Cards

Low APR cards, short for Annual Percentage Rate, are credit cards that offer a reduced interest rate on purchases and balance transfers compared to standard credit cards.

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These cards are particularly attractive to individuals looking to save on interest charges when carrying a balance from month to month. With lower APRs, cardholders can minimize the cost of borrowing money on their credit cards. Many low APR cards also come with introductory periods during which the APR is even lower or even 0%. This feature can be beneficial for consolidating debt or making large purchases without accruing excessive interest. However, it's important for consumers to be aware of potential fees and to compare offers to find the best fit for their financial needs.

  • Chase Bank
    Chase Bank

    Chase Bank - Leading bank providing various financial services and products.

    Annual fee: $95

    See It
  • Discover
    Discover

    Discover - Financial services company known for credit cards and banking

    Annual fee: zero

    See It
  • U.S. Bank
    U.S. Bank

    U.S. Bank - Diverse banking services and financial solutions for customers.

    Annual fee: zero

    See It

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  • HSBC Bank USA
    HSBC Bank USA

    HSBC Bank USA - A global banking and financial services website.

    Secure Login

    Easy Access

    See It
  • PenFed
    PenFed

    PenFed - PenFed is a credit union.

    Online Banking

    Financial Services

    See It
  • American Express
    American Express

    American Express - Global financial services company known for credit cards.

    Annual fee: zero

    See It
  • Capital One
    Capital One

    Capital One - Financial services for banking and investing.

    Credit Cards

    Banking

    See It
  • Navy Federal Credit Union
    Navy Federal Credit Union

    Navy Federal Credit Union - Navy Federal Credit Union website.

    Secure Login

    Online Banking

    See It
  • Citi.com
    Citi.com

    Citi.com - Official website for Citi financial services.

    Online Banking

    Credit Cards

    See It
  • barclaycardus
    barclaycardus

    barclaycardus - Barclaycardus.com: Credit cards for all needs.

    See It

Top 10 Sites for the Low APR Cards

1.

Chase Bank

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Chase.com is a financial services website owned by JPMorgan Chase & Co. It provides a range of banking, investing, and other financial services to customers. Customers can open checking and savings accounts, apply for credit cards, and manage their investments. They can also use the website to pay bills, transfer money, and access their accounts from anywhere. Chase.com also offers a variety of tools and resources to help customers make informed financial decisions. Customers can use the website to research products, compare rates, and find the best financial solutions for their needs.

Pros

  • pros Travel Benefits: The card offers a variety of travel perks, including free checked bags, priority boarding, and two United Club passes per year, enhancing your travel experience with United Airlines.
  • pros Generous Rewards Program: Cardholders can earn miles on all purchases, with accelerated earning on United Airlines purchases, providing opportunities to accumulate rewards faster.
  • pros Additional Travel Protections: The card provides travel insurance coverage, such as trip cancellation/interruption insurance and auto rental collision damage waiver, offering peace of mind during your travels.

Cons

  • consLimited Redemption Options: The card's rewards are primarily focused on United Airlines, so if you prefer more flexibility in redeeming rewards for various airlines or travel expenses, the card may not be as beneficial.
  • consAnnual Fee: The card comes with an annual fee, which may deter some users, especially if they don't frequently fly with United Airlines or utilize the card's benefits to their full extent.

2.

Discover

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Discover it® Miles is a rewards credit card that offers an unlimited 1.5x miles on every purchase. With no annual fee and no foreign transaction fees, it's a great way to earn rewards on everyday purchases. Plus, you can redeem your miles for travel, gift cards, cash back, and more. With Discover it® Miles, you can also get access to exclusive benefits like free FICO® Credit Score, fraud protection, and more. With Discover it® Miles, you can get the most out of your rewards and enjoy the freedom to explore the world.

Pros

  • pros No annual fee
  • pros Flexible redemption options

Cons

  • consLow rewards rate compared to other travel cards
  • consLack of travel perks
  • consNot widely accepted outside the US

3.

U.S. Bank

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The U.S. Bank Altitude® Reserve Visa Infinite® Card is a premium rewards card that offers a variety of benefits and rewards. Cardholders can earn 3X points on eligible travel and mobile wallet purchases, and receive up to $325 in annual travel credits. Cardholders also receive a complimentary Priority Pass™ Select membership, which provides access to over 1,200 airport lounges worldwide. Other benefits include a 12-month subscription to a streaming service, up to $100 in statement credits for Global Entry or TSA Pre✓® application fees, and no foreign transaction fees. With the U.S. Bank Altitude® Reserve Visa Infinite® Card, you can enjoy a world of rewards and benefits.

Pros

  • pros Zero annual fee and decent dining rewards: The U.S. Bank Altitude® Go Visa Signature® Card has no annual fee and focuses on dining rewards, including hotel dining expenses.
  • pros Various perks: It offers valuable perks like cell phone protection, enhancing your overall travel experience.

Cons

  • consLimited kinds of travel benefits: The travel benefits of the card may not be as extensive as other travel-specific cards, potentially limiting your access to travel perks like airport lounge access.
  • consUnattractive redemption policies: The value of the rewards when redeeming for hotel bookings may not be as high compared to other cards.

4.

HSBC Bank USA

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Introducing the HSBC Premier World Elite Mastercard® - a prestigious credit card that offers an array of exclusive benefits and rewards. With a $395 annual fee (waived for eligible customers), this card is designed for individuals with a qualifying Premier or Private Bank relationship. Cardholders can earn 50,000 Rewards Bonus Points worth $750 in airfare when they spend $4,000 within the introductory period. The card also provides access to the Mastercard Concierge Service, offering personalized assistance for various needs. With no foreign transaction fees and enhanced travel benefits, the HSBC Premier World Elite Mastercard® is an excellent choice for those seeking luxury and convenience.

Pros

  • pros Secure
  • pros Convenient
  • pros Comprehensive

Cons

  • consSecurity
  • consComplexity
  • consGlitches

5.

PenFed

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PenFed Credit Union is a financial institution that offers a range of financial services to its members. It was founded in 1935 and is headquartered in McLean, Virginia. PenFed Credit Union provides services such as checking and savings accounts, credit cards, mortgages, personal loans, auto loans, and more. It is a not-for-profit organization that is owned and operated by its members. PenFed Credit Union has over 2 million members and is one of the largest credit unions in the United States. The organization is committed to providing its members with competitive rates, excellent customer service, and financial education to help them achieve their financial goals.

Pros

  • pros Low Rates
  • pros Rewards
  • pros Security

Cons

  • consSecurity risks
  • consFees

6.

American Express

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Americanexpress.com is a website owned by American Express, a global financial services company. The website provides customers with access to a range of products and services, including credit cards, charge cards, travel services, and more. Customers can use the website to manage their accounts, pay bills, view statements, and access exclusive offers. The website also provides customers with access to a range of tools and resources, such as budgeting and financial planning tools, travel guides, and more. Americanexpress.com is a convenient and secure way for customers to access their accounts and manage their finances.

Pros

  • pros Great rewards rate in certain categories with flexible redemption options
  • pros No annual fee

Cons

  • consLow rewards rate on non-category purchases
  • consAmerican Express not widely accepted internationally
  • consRewards have minimum redemption thresholds

7.

Capital One

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The Capital One Venture Rewards Credit Card is a highly popular credit card known for its generous rewards program and flexibility in redeeming rewards for travel expenses. Unlike many airline-branded cards, the Venture card offers a high rewards rate on all purchases, not just travel spending. Cardholders earn unlimited double miles per dollar on every purchase and 5 miles per dollar on hotels and rental cars booked through Capital One Travel. The rewards earned can be used to cover the cost of recent travel purchases, with no restrictions on when or how you travel. The card also offers additional benefits such as rental car damage coverage and access to the Capital One Lounge and Partner Lounge Network. There is an annual fee of $95 for the Venture card, but for those looking for a no-annual-fee option, Capital One also offers the VentureOne card with a slightly lower rewards rate.

Pros

  • pros Secure
  • pros Convenient
  • pros Rewarding

Cons

  • consHigh interest rates
  • consLimited services
  • consFew branches

9.

Citi.com

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Citi.com is a global financial services company that provides a wide range of products and services to individuals, corporations, governments, and institutions. It offers banking, credit cards, investments, mortgages, loans, and insurance. Citi.com also provides wealth management, securities brokerage, and other financial services. It has a presence in more than 160 countries and territories, and its products and services are available in more than 100 countries. Citi.com is committed to helping its customers achieve financial success and security. It provides a range of services to help customers manage their finances, including budgeting, investing, and retirement planning. Citi.com also offers a variety of tools and resources to help customers make informed decisions about their finances.

Pros

  • pros Secure
  • pros Convenient
  • pros Innovative

Cons

  • consSecurity risks
  • consFees

10.

barclaycardus

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Barclaycardus.com is a website owned by Barclays Bank, a leading global financial services provider. The website provides customers with access to a range of credit cards, including rewards cards, travel cards, and business cards. Customers can also access a range of other services, such as balance transfers, cash advances, and online banking. The website also provides customers with access to exclusive offers and discounts, as well as helpful tools and resources to help them manage their finances.

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