Updated September 20th, 2017

Whether you’re searching for ways to pay down debt faster or wanting to cut out-of-pocket costs on new purchases, lowering your credit card APR can put you on the path to financial independence sooner. And low APR’s essentially come in two forms: an ongoing rate that is low compared to competitors and 0% intro APR offers on purchases and balance transfers.

So take a moment to review our short list of what we think are the best credit cards to secure some interest reprieve. But keep in mind the actual APR you receive is based on your credit history, and individuals will need excellent credit to land the lowest APRs.

Discover it® - 18 Month Balance Transfer Offer
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Discover it® - 18 Month Balance Transfer Offer

Best for: Balance transfers and cash back

Discover it - 18 Month Balance Transfer Offer offers an unmatched combination of benefits for those looking to reduce their debt load without sacrificing valuable rewards. On one hand, cardholders can take advantage of a 0% intro APR for 18 months for balance transfers in addition to a 0% intro APR for 6 months for purchases. And on the other, new cardholders also enjoy best-in-class rewards, including Discover's Cashback Match for every dollar spent in their first year, up to 5% cash back ($1,500 quarterly spending cap) in bonus categories you activate, and 1% on all other purchases. Top it all off, cardholders rack up additional savings with no annual fee and no foreign transaction fees. This combination of perks simply isn't available among low APR credit cards we know of. Read our full Discover it - 18 Month Balance Transfer Offer review to learn more.

BankAmericard® Credit Card
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BankAmericard® Credit Card

Best for: Balance transfers and intro balance transfer fee offer

BankAmericard® Credit Card stands out among the balance-transfer credit card pack with its $0 intro balance transfer fee for transfers made within 60 days of account opening (3%, $10 min. thereafter). Tack that on to the cards 0% intro APR for 15 billing cycles for purchases and balance transfer made within 60 days, and you can start to see why we think it's one of the best balance-transfer credit cards. Read our full BankAmericard® Credit Card review to learn why its 0% intro APR offer is such a precise debt-cutting tool

Bank of America® Cash Rewards Credit Card
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Bank of America® Cash Rewards Credit Card

Best for: 0% intro APR and bonus cash back

Crucial to this list, Bank of America® Cash Rewards includes a 0% intro APR for 12 billing cycles for purchases and balance transfers made within 60 days. The card also dishes out a lucrative $150 new cardholder cash rewards bonus offer after spending $500 on purchases in the first 90 days. Tons of other perks are available as well, including bonus-category cash back of 3% on gas and 2% at grocery stores and wholesale clubs (on the first $2,500 quarterly in combined bonus category purchases), and your FICO® Score for free. Read our full Bank of America® Cash Rewards review to learn more.

Barclaycard CashForward™ World Mastercard®
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Barclaycard CashForward™ World Mastercard®

Best for: 0% intro APR and cash back

Barclaycard CashForward™ World Mastercard® ranks well because of its deep bench of valuable perks beyond a 0% intro APR for 15 billing cycles for purchases and qualifying balance transfers.. Qualifying new cardholders earn a $200 cash rewards bonus after spending $1,000 on new purchases in the first 90 days and every purchase earns 1.5% cash back. Few cards we cover can claim these perks. If you've secured an excellent credit history, this is a card we think is worth considering. Read our full Barclaycard CashForward™ World Mastercard® review to learn more.

Chase Freedom Unlimited®
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Chase Freedom Unlimited®

Best for: 0% intro APR and cash back

Chase Freedom Unlimited® is one of the best all-around cards we've come across with a 0% intro APR offer. Beyond its 0% intro APR for 15 months for balance transfers and purchases, the card includes unlimited 1.5% cash back and a $150 sign-up bonus after spending just $500 within three months. This slate of perks is rare to find in a single card. Read our full Chase Freedom Unlimited® review to learn more.

Chase Freedom Unlimited®
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Chase Freedom Unlimited®

Best for: 0% intro APR and cash back

Chase Freedom Unlimited® is one of the best all-around cards we've come across with a 0% intro APR offer. Beyond its 0% intro APR for 15 months for balance transfers and purchases, the card includes unlimited 1.5% cash back and a $150 sign-up bonus after spending just $500 within three months. This slate of perks is rare to find in a single card. Read our full Chase Freedom Unlimited® review to learn more.

Citi® Double Cash Card

Citi® Double Cash Card

Best for: Balance transfers and cash back

Citi® Double Cash Card is a versatile card that fits cardholders needs beyond the 0% intro APR. Transactor strategies (paying off balances each month to earn rewards and avoid interest) are powerful ways to make your money work better for you, but only once getting out of debt. Citi® Double Cash Card offers a long 0% intro APR for 18 billing cycles for qualifying balance transfers plus an innovative cash-back program that incentivizes paying off purchase balances. Cardholders earn a total of 2% cash back, 1% when making purchases and 1% when paying. Both perks are best-in-class in their own right, which highlights why we covet this card. Read our full Citi® Double Cash Card review to learn more.

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Best for: 0% intro APR

The Citi® Diamond Preferred® Card punches above its weight, including both a low APR and a 0% intro APR on new purchases and balance transfers for 21 billing cycles, which is one of the longest offers we’ve come across. Citi® Diamond Preferred® Card also includes a $0 annual fee, making it a solid credit card for cardholders wanting to cut both interest charges and fees. Read our full Citi® Diamond Preferred® Card review to learn more.

Citi Simplicity® Card

Citi Simplicity® Card

Best for: 0% intro APR and late payments

Cardholders seeking occasional payment forgiveness may find Citi Simplicity® Card to be a suitable balance-transfer credit card. Citi Simplicity® Card doesn’t charge late payment fees, and it doesn’t bump up a cardholder’s APR as a penalty for missed payments. But the card doesn’t skimp on features in favor of a longer leash for payment forgiveness. Citi Simplicity® Card dishes out a swoon-worthy 0% intro APR for 21 billing cycles for both new purchases and balance transfers made within four months. Read our full Citi Simplicity® Card review to learn more.



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