Best Low APR
Save on interest with low rates. Here are our top picks for 2026.
OUR TOP PICK
Navy Federal
Navy Federal Platinum Credit Card
ANNUAL FEE
$0
APR
8.99%-18.00% variable
WELCOME BONUS
No welcome bonus
REWARDS
No rewards program
WHY WE LOVE IT
- APR as low as 8.99% is among the lowest in the entire credit card market
- Maximum APR of 18.00% is below the starting APR of most bank cards
- 0% intro APR for 12 months on purchases and balance transfers
- No annual fee
- No penalty APR
- No foreign transaction fees
- Low balance transfer and cash advance fees
- Available to members with fair credit (lower barrier to entry)
- No hidden fees or cost surprises
MORE GREAT OPTIONS
Penfed
PenFed Gold Visa® Card
Usaa
USAA Rate Advantage Visa Platinum®
Us Bank
U.S. Bank Shield™ Visa® Card
NO FEE
Annual Fee:$0
Welcome Bonus:None...
REWARDS
4% on travel booked through U.S. Bank Travel Rewards Center
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.