Low APR Credit Card Offers
These are the cards with the lowest APRs, we could find online. We listed these cards by computing a number of their attributes to place the best deals up on top, let's see if you agree. We take our job seriously when it comes to providing accurate and up to date information to our site visitors, so please compare these cards to the ones you have or wanted to have. If they are better, you are nothing but a click away from applying for any one of them.
Blue from American Express®
0% APR for up to 15 months - Get Blue from American Express®
Summary:
APR for Balance Transfers: 4.99% (for Life of Balance)
Ongoing APR: As low as Prime + 4.99% (Currently 9.99%)
Intro APR for Purchases: 0.00% (for Up to 15 Months)
Balance Transfer Fee: None if submitted with this application*
Late Fee: $19-$38
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 20 Days
Credit Line: Up to $100,000
Annual Fee: None
APR for Balance Transfers: 4.99% (for Life of Balance)
Ongoing APR: As low as Prime + 4.99% (Currently 9.99%)
Intro APR for Purchases: 0.00% (for Up to 15 Months)
Balance Transfer Fee: None if submitted with this application*
Late Fee: $19-$38
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 20 Days
Credit Line: Up to $100,000
Annual Fee: None
Features:
- Membership Rewards Express® program
- 0% APR on purchases for up to 15 months
- No Annual Fee
- Low Balance Transfer APR — 4.99% Fixed APR for the life of the balance.
- Blue is your launch pad to standout shopping and entertainment rewards and one-of-a-kind experiences.
- Express Approval. Get a decision in less than 60 seconds.
First PREMIER Bank MasterCard®
Apply for a Credit Card with Less than Perfect Credit!
Summary:
Ongoing APR: 9.9%*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $179.00*
Credit Line: Minimum $250*
Annual Fee: $48.00*
Monthly Fee: $7.00*
Ongoing APR: 9.9%*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $179.00*
Credit Line: Minimum $250*
Annual Fee: $48.00*
Monthly Fee: $7.00*
Features:
- Monthly reporting to 4 major credit bureaus.
- Low APR on purchases.
- Quality Customer Service.
- 24-Hour Account Access by Phone
See Rates, Fees & Terms for current information.
Citi CashReturnsSM Card
Cash back, without limits.
Summary:
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 4.99% (Currently 9.99%)
Balance Transfer Fee: 3% (minimum $5)
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: 20 Days
Annual Fee: None
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 4.99% (Currently 9.99%)
Balance Transfer Fee: 3% (minimum $5)
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: 20 Days
Annual Fee: None
Features:
- Earn a full 1% cash back on every purchase*
- Get a 20% bonus on the cash back earned on all purchases for the first 12 months
- Checks will be sent automatically every time you earn $50 — no calling necessary
- 0% APR* on balance transfers for up to 12 months
- No Annual Fee
*See Terms and Conditions.
Citi® Home Rebate Platinum Select® MasterCard®
Time flies. Wouldn't it be nice if your mortgage did too?
Summary:
APR for Balance Transfers: Prime + 4.99% (Currently 9.99%)
Ongoing APR: Prime + 4.99% (Currently 9.99%)
Balance Transfer Fee: Balance transfer fee applies with this offer*
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: 20 Days
Annual Fee: None
APR for Balance Transfers: Prime + 4.99% (Currently 9.99%)
Ongoing APR: Prime + 4.99% (Currently 9.99%)
Balance Transfer Fee: Balance transfer fee applies with this offer*
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: 20 Days
Annual Fee: None
Features:
- Receive 6% rebate on Utilities, Cable/Satellite TV, Internet Connection and Telecommunication for 12 months
- Receive 1% on all other purchases
- Rebate automatically applied to your mortgage principal
- NO CAP or limits on the amount of rebates you can accumulate in a year
- No annual fee
*See Terms and Conditions.
Chase Free Cash RewardsSM Visa® Card
A decision that's easy to make: FREE CASH!
Summary:
APR for Balance Transfers: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Intro APR for Purchases: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: At least 20 Days
Annual Fee: None
APR for Balance Transfers: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Intro APR for Purchases: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: At least 20 Days
Annual Fee: None
Features:
- Earn 1 point for every eligible $1 in purchases*
- 1,000 Bonus Points* with your first purchase
- Intro 0% Fixed APR for up to 12 months*
- No Annual Fee
- Get your rewards with as few as 2500 points
- Choose from either a $25 check or a $25 gift card/certificate
*See Pricing & Terms.
AARP Rewards Platinum Visa® Card
A full 1% back for every dollar you spend.
Summary:
APR for Balance Transfers: 0.00% (for Up to 6 Months*)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Intro APR for Purchases: 0.00% (for 6 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $50)
Late Fee: $15-$35
Overlimit Fee: $29.00
Grace Period: At least 20 Days
Annual Fee: None
APR for Balance Transfers: 0.00% (for Up to 6 Months*)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Intro APR for Purchases: 0.00% (for 6 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $50)
Late Fee: $15-$35
Overlimit Fee: $29.00
Grace Period: At least 20 Days
Annual Fee: None
Features:
- Earn one reward point for every dollar you spend.*
- 0% APR for up to 6 months and pay no annual fee.*
- No telemarketing calls.
- Zero unauthorized liability.
- Exclusive discounts for AARP Platinum Visa cardmembers.
- Automatic AARP Rewards Platinum Visa card benefits.
*See Pricing & Terms.
Chase PerfectCard™ MasterCard®
SAVINGS YOU CAN TAKE ON THE ROAD - SAVE 6%!
Summary:
APR for Balance Transfers: 0.00% (for Up to 6 Months*)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Intro APR for Purchases: 0.00% (for 6 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: At least 20 Days
Annual Fee: None*
APR for Balance Transfers: 0.00% (for Up to 6 Months*)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Intro APR for Purchases: 0.00% (for 6 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: At least 20 Days
Annual Fee: None*
Features:
- 6% rebates on ALL gas purchases at ANY gas station for the first 90 days*
- 3% rebates on ALL gas purchases at ANY gas station after the first 90 days*
- 1% rebates on ALL other purchases made anywhere else*
- 0% Intro APR* for up to 6 months*
- No Annual Fee
*See Pricing & Terms.
Chase Flexible RewardsSM Platinum Visa®
Your choice. Your chase.
Summary:
APR for Balance Transfers: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Intro APR for Purchases: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: At least 20 Days
Annual Fee: None
APR for Balance Transfers: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Intro APR for Purchases: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: At least 20 Days
Annual Fee: None
Features:
- Earn 1 point for every dollar spent*
- Earn airline tickets, hotel stays or car rentals.
- 0% introductory APR* for up to 12 months
- The time period for the intro APR and balance transfers to which it will apply will be based on review of your application and credit history
- No Annual Fee
*See Pricing & Terms.
Capital One® Standard Platinum
Great choice if you carry a balance short-term.
Summary:
APR for Balance Transfers: 19.80%
Ongoing APR: 19.80%
Intro APR for Purchases: 0.00% (for — until December 2008)
Balance Transfer Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Returned Check Fee: $39.00
Grace Period: 25 Days
Credit Line: $300-$3,000*
Annual Fee: None
APR for Balance Transfers: 19.80%
Ongoing APR: 19.80%
Intro APR for Purchases: 0.00% (for — until December 2008)
Balance Transfer Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Returned Check Fee: $39.00
Grace Period: 25 Days
Credit Line: $300-$3,000*
Annual Fee: None
Features:
- 0% on purchases until December 2008. After that, variable APR, currently 19.8%
- No annual fee
- Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Saving ZoneSM on Yahoo! Shopping
- Platinum Benefits including extended warranties, travel accident insurance and 24 hour roadside assistance
*See website for Disclosures.
Platinum Business Credit Card from American Express®
Platinum Business Credit Card from OPEN® the Small Business Team
Summary:
APR for Balance Transfers: Fixed 4.99% (for Life of Balance)
Ongoing APR: As low as Prime + 2.99% (Currently 7.99%)
Intro APR for Purchases: 0.00% (for 12 Months)
Balance Transfer Fee: None if submitted with this application*
Late Fee: $19-$38
Overlimit Fee: $35.00
Grace Period: 25 Days
Credit Line: $1,000 to $50,000
Annual Fee: None
APR for Balance Transfers: Fixed 4.99% (for Life of Balance)
Ongoing APR: As low as Prime + 2.99% (Currently 7.99%)
Intro APR for Purchases: 0.00% (for 12 Months)
Balance Transfer Fee: None if submitted with this application*
Late Fee: $19-$38
Overlimit Fee: $35.00
Grace Period: 25 Days
Credit Line: $1,000 to $50,000
Annual Fee: None
Features:
- Option to enroll in the Membership Rewards Express® Program fee-free
- There's no limit to the number of points you can earn
- Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more
- 0% APR for the first 12 months
- No annual fee and fee-free Additional Cards
- Balance Transfer APR: 4.99%*
- Get a decision in less than 60 seconds
- Easy, 1-page online application
*View Terms & Conditions.
IberiaBank MasterCard®
Some of the lowest rates in the nation.
Summary:
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Ongoing APR: As low as Prime - 1.00% (Currently 4.00%)
Balance Transfer Fee: None
Late Fee: $15-$35
Overlimit Fee: $35.00
Returned Check Fee: $29.00
Grace Period: 25 Days
Annual Fee: None
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Ongoing APR: As low as Prime - 1.00% (Currently 4.00%)
Balance Transfer Fee: None
Late Fee: $15-$35
Overlimit Fee: $35.00
Returned Check Fee: $29.00
Grace Period: 25 Days
Annual Fee: None
Features:
- Variable rates as low as 7.25%
- No annual membership fee
- 0% Introductory APR on balance transfers for your first 6 billing cycles
- 25 Day grace period
- Online access to credit card information
Download the Terms & Conditions here.
Blue Cash® from American Express®
Say hello to the newest Blue - BLUE CASH from American Express®.
Summary:
APR for Balance Transfers: As low as Fixed 4.99% (for Life of Balance)
Ongoing APR: As low as Prime + 4.99% (Currently 9.99%)
Intro APR for Purchases: 0.00% (for 6 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $99)
Late Fee: $19-$38
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 20 Days
Credit Line: Up to $100,000
Annual Fee: None
APR for Balance Transfers: As low as Fixed 4.99% (for Life of Balance)
Ongoing APR: As low as Prime + 4.99% (Currently 9.99%)
Intro APR for Purchases: 0.00% (for 6 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $99)
Late Fee: $19-$38
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Grace Period: 20 Days
Credit Line: Up to $100,000
Annual Fee: None
Features:
- Up to 5% cash back on all qualified purchases*
- 0% Intro APR for 6 months
- Online application approval decisions in under 60 seconds
- Balance Transfer APR 4.99%
- Go To Rate: Prime + as low as 4.99%, currently 9.99%
- Flexibility to pay over time
- No annual fee
*See Terms, Conditions & Disclosures
Citi® Dividend Platinum Select® Card for College Students
You've got the power to build your future.
Summary:
APR for Balance Transfers: 0.00% (for 6 Months)
Ongoing APR: Prime + 7.99% (Currently 12.99%)
Intro APR for Purchases: 0.00% (for 6 Months)
Balance Transfer Fee: No balance transfer fee with this offer*
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: 20 Days
Annual Fee: None
APR for Balance Transfers: 0.00% (for 6 Months)
Ongoing APR: Prime + 7.99% (Currently 12.99%)
Intro APR for Purchases: 0.00% (for 6 Months)
Balance Transfer Fee: No balance transfer fee with this offer*
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: 20 Days
Annual Fee: None
Features:
- 0% APR* for 6 months on purchases, cash advances and balance transfers as long as you do not default under any Card Agreement*
- Earn 5% cash back on purchases at supermarkets, gas stations, convenience stores, and utilities including cable for 6 months and 2% thereafter.
- Earn 1% cash back on all other purchases
- No minimum income or cosigner required
- Build your credit history
- No balance transfer fee with this offer
*See Terms and Conditions.
Citi® Diamond Preferred® Card
Apply now — it's in your best interest!
Summary:
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 3.49% (Currently 8.49%)
Intro APR for Purchases: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: 20 Days
Annual Fee: None
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 3.49% (Currently 8.49%)
Intro APR for Purchases: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: 20 Days
Annual Fee: None
Features:
- 0% APR* on balance transfers and purchases for up to 12 months
- No annual fee
- Citi® Identity Theft Solutions
- $0 Liability on unauthorized purchases
- Secure, free online account management
- Balance transfer fee applies with this offer
*See Terms and Conditions.
Capital One® No Hassle CashSM Rewards - Average/Limited History
A Cash Back card for people New to Credit.
Summary:
APR for Balance Transfers: 16.90%
Ongoing APR: 16.90%
Intro APR for Purchases: 0.00% (for — until December 2008)
Balance Transfer Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Returned Check Fee: $39.00
Grace Period: 25 Days
Credit Line: $300-$3,000*
Annual Fee: $29.00
APR for Balance Transfers: 16.90%
Ongoing APR: 16.90%
Intro APR for Purchases: 0.00% (for — until December 2008)
Balance Transfer Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Returned Check Fee: $39.00
Grace Period: 25 Days
Credit Line: $300-$3,000*
Annual Fee: $29.00
Features:
- 25% annual bonus on the cash you earn*
- 1% cash back on every purchase
- 0% APR on purchases until December 2008. After that, variable APR, currently 16.9%*
- No limit on cash back and rewards won't expire for the life of your account
- Redeem cash whenever you want
- $29 annual fee
*See website for Disclosures.
Advanta Life-of-Balance Platinum Card
The BusinessCard as individual as your business...only from Advanta.
Summary:
APR for Balance Transfers: 2.99% (for Life of Balance*)
Ongoing APR: Prime + 2.24% (Currently 7.24%)
Balance Transfer Fee: Waived for the introductory offer*
Late Fee: $19-$39
Overlimit Fee: $15-$39
Returned Check Fee: $35.00
Grace Period: 20 Days
Annual Fee: None
APR for Balance Transfers: 2.99% (for Life of Balance*)
Ongoing APR: Prime + 2.24% (Currently 7.24%)
Balance Transfer Fee: Waived for the introductory offer*
Late Fee: $19-$39
Overlimit Fee: $15-$39
Returned Check Fee: $35.00
Grace Period: 20 Days
Annual Fee: None
Features:
- 2.99% Fixed APR for LIFE on balances transferred within 3 months
- Choice of 6% Cash Back on Bonus Qualifying purchases* or Travel Rewards
- No Annual Fee and No Limit on Earnings
- Get employee cards with no fee and set spending limits per user
- $0 Fraud Liability
- Personalized card — your company name on the card, plus your logo.
* See website for Terms and Conditions.
Citi® Diamond Preferred® Rewards Card
For every passion, there's a reward.
Summary:
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 5.49% (Currently 10.49%)
Balance Transfer Fee: 3% (minimum $5)*
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: 20 Days
Annual Fee: None
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 5.49% (Currently 10.49%)
Balance Transfer Fee: 3% (minimum $5)*
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: 20 Days
Annual Fee: None
Features:
- 0% APR* on balance transfers for up to 12 months
- $50 Gift Card - Earn 6,000 bonus points after $100 in purchases made within 3 months of account opening*
- 5 reward points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months; 1 point for every $1 on all other purchases*
- No annual fee and FREE rewards program
- Citi® Identity Theft Solutions
- Price Protection Program
- $0 Liability on unauthorized purchases
*See Terms and Conditions.
Advanta Custom Platinum BusinessCard with Rewards
A business credit card, now with your favorite image on it.
Summary:
APR for Balance Transfers: 0.00% (for 15 Months)
Ongoing APR: Prime + 0.24% (Currently 5.24%)
Balance Transfer Fee: 3% (minimum $5; maximum $50)
Late Fee: $19-$39
Overlimit Fee: $15-$39
Returned Check Fee: $35.00
Grace Period: YES*
Credit Line: Up to $50,000
Annual Fee: None
APR for Balance Transfers: 0.00% (for 15 Months)
Ongoing APR: Prime + 0.24% (Currently 5.24%)
Balance Transfer Fee: 3% (minimum $5; maximum $50)
Late Fee: $19-$39
Overlimit Fee: $15-$39
Returned Check Fee: $35.00
Grace Period: YES*
Credit Line: Up to $50,000
Annual Fee: None
Features:
- 0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR thereafter*
- 7.99% Variable APR on Purchases
- Choice of 5% Cash Back on office supplies, gas and more*
- No Annual Fee and No Limit on Earnings
- Get employee cards with no fee and set spending limits per user
- $0 Fraud Liability
- Personalized card — your company name on the card, plus logo or other image!
- No Tax ID required for application
- Build Business Credit with the Advanta BusinessCard
* See website for Terms and Conditions.
IberiaBank Visa® Gold Cash Back Rewards Card
Low variable rates, plus 1% cash back!
Summary:
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Ongoing APR: As low as Prime + 0.99% (Currently 5.99%)
Balance Transfer Fee: None
Late Fee: $15-$35
Overlimit Fee: $35.00
Returned Check Fee: $29.00
Grace Period: 25 Days
Annual Fee: None
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Ongoing APR: As low as Prime + 0.99% (Currently 5.99%)
Balance Transfer Fee: None
Late Fee: $15-$35
Overlimit Fee: $35.00
Returned Check Fee: $29.00
Grace Period: 25 Days
Annual Fee: None
Features:
- 1% cash back on everything you buy from day one.
- No limit on cash back; no expiration for the life of your account
- No minimum to redeem for cash
- No annual membership fee
Download the Terms & Conditions here.
AT&T Universal Savings Platinum Card
The innovation that saves you 10% on all the others.
Summary:
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 3.99% (Currently 8.99%)*
Balance Transfer Fee: 3% (minimum $5)
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: 20 Days
Credit Line: Minimum $500
Annual Fee: None
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 3.99% (Currently 8.99%)*
Balance Transfer Fee: 3% (minimum $5)
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: 20 Days
Credit Line: Minimum $500
Annual Fee: None
Features:
- Up to 10% savings for the first 12 months on AT&T purchases*
- Plus AT&T calling benefits*: Up to 30 free phone minutes each month
- 0% APR on balance transfers for up to 12 months*
- No annual fee
*See Terms and Conditions.
Citi® Platinum Select® MasterCard®
We'd like to peak your interest, not your interest rate.
Summary:
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 3.49% (Currently 8.49%)
Intro APR for Purchases: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: 20 Days
Annual Fee: None
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 3.49% (Currently 8.49%)
Intro APR for Purchases: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: 20 Days
Annual Fee: None
Features:
- 0% APR* on balance transfers and purchases for up to 12 months
- No annual fee
- Citi® Identity Theft Solutions
- $0 Liability on unauthorized purchases
- Secure, free online account management
*See Terms and Conditions.
HSBC Weekend Card
Cash back on all purchases, all the time—double cash back on weekends.
Summary:
APR for Balance Transfers: 0.00% (for 12 Months)
Ongoing APR: As low as 8.99%
Intro APR for Purchases: 0.00% (for 12 Months)
Balance Transfer Fee: 3% ($15 minimum) max. $99 during the Introductory Period*
Grace Period: 20 Days
Annual Fee: None
APR for Balance Transfers: 0.00% (for 12 Months)
Ongoing APR: As low as 8.99%
Intro APR for Purchases: 0.00% (for 12 Months)
Balance Transfer Fee: 3% ($15 minimum) max. $99 during the Introductory Period*
Grace Period: 20 Days
Annual Fee: None
Features:
- Earn a full 2% cash back on every single credit card purchase made on Saturdays and Sundays
- 1% cash back on every single credit card purchase made Monday through Friday
- Simple and straightforward: no earnings caps, spending requirements, tiers or point expiration
- Platinum benefits include unlimited purchase protection, extended warranties and rental car insurance
- 0% Introductory APR on balance transfers for 12 months*
- No annual fee
*See terms & conditions.
Centennial® MasterCard®/Visa®
Reports monthly to 4 Major Credit Bureaus!
Summary:
Ongoing APR: 9.9%*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $179.00*
Credit Line: Minimum $250*
Annual Fee: $48.00*
Monthly Fee: $7.00*
Ongoing APR: 9.9%*
Late Fee: $29.00
Overlimit Fee: $29.00
Returned Check Fee: $25.00
Grace Period: 25 Days*
Total Initial Charge: $179.00*
Credit Line: Minimum $250*
Annual Fee: $48.00*
Monthly Fee: $7.00*
Features:
- Low APR on purchases
- Credit decisions in less than 60 seconds
- A Credit Card for Those with Less than Perfect Credit
- Quality Customer Service
- Accepted where you see the MasterCard®/Visa® logo
- Over 3 million credit card holders
- Choice of MasterCard® or Visa®
- Enjoy the benefit of 24-hour phone account access
- Get access to online credit education
- Monthly credit bureau reporting
*See Rates, Fees & Terms for current information.
First Equity Platinum Small Business Visa®
First Equity specializes in credit for businesses!
Summary:
Ongoing APR: As low as 0%*
Late Fee: $39.00
Overlimit Fee: $39.00
Returned Check Fee: $39.00
Grace Period: At least 20 Days
Credit Line: Up to $100,000
Annual Fee: $0-$39
Ongoing APR: As low as 0%*
Late Fee: $39.00
Overlimit Fee: $39.00
Returned Check Fee: $39.00
Grace Period: At least 20 Days
Credit Line: Up to $100,000
Annual Fee: $0-$39
Features:
- APR as low as 0.0%*
- Working Capital Credit Line of up to $100,000
- Customized with your Business Name at the top
- Free Additional Cards for Employees
- Earn up to 5% cash back on qualified purchases*
*First Equity Terms & Conditions.
Blue Cash® for Business Credit Card
Blue Cash® for Business Credit Card from OPENSM the small business team
Summary:
APR for Balance Transfers: Fixed 7.99% (for Life of Balance)
Ongoing APR: As low as Prime + 2.99% (Currently 7.99%)
Intro APR for Purchases: 0.00% (for 6 Months)
Balance Transfer Fee: None if submitted with this application
Late Fee: $19-$38
Overlimit Fee: $35.00
Grace Period: 25 Days
Annual Fee: None
APR for Balance Transfers: Fixed 7.99% (for Life of Balance)
Ongoing APR: As low as Prime + 2.99% (Currently 7.99%)
Intro APR for Purchases: 0.00% (for 6 Months)
Balance Transfer Fee: None if submitted with this application
Late Fee: $19-$38
Overlimit Fee: $35.00
Grace Period: 25 Days
Annual Fee: None
Features:
- Up to a 5% cash rebate
- No Annual Fee
- 0% APR during your first 6 months
- Get a decision in less than 60 seconds
- Easy, 1-page online application
- No limit to the cash rebate you can earn
- No minimum spending requirement - start earning cash back right away
- Earn cash rewards on purchases made by Additional Cardholders
What is the credit card APR? APR stands for Annual Percentage Rate, and it is perhaps the most important attribute of a credit card if you are planning on carrying a significant balance over a longer period of time. In simple terms, the amount of interest you must pay on your credit card balance depends on its APR. Generally, the lower the APR the better for you, because it means you pay less interest. APR can either be "fixed" or "variable". Fixed APR cards usually have a bit higher interest rate, but you'll know exactly how much interest you will be charged at the end of each month. A card, with variable or floating rate, will have a fluctuating interest rate, based on an index (the "Prime" or the "LIBOR" rate) plus a variable. Most variable rate cards use the "Prime" index and it is published in the Wall Street Journal. The Prime Rate doesn't change too frequently, but one never knows when they change it, and in what direction.