Top Low APR Credit Cards for 2025
If you’re looking to manage your finances more effectively, choosing a credit card with a low APR (Annual Percentage Rate) can be a smart move. These cards help reduce the cost of borrowing, especially if you occasionally carry a balance. Here are some of the best low APR credit cards available this year:
1. U.S. Bank Visa® Platinum Card
- 0% intro APR for 18 billing cycles on purchases and balance transfers
- Regular APR: 18.74% – 29.74% (variable)
- No annual fee
2. Chase Slate Edge℠
- 0% intro APR on purchases and balance transfers for 18 months
- APR may be lowered if you pay on time and spend $1,000 in your first year
- Regular APR: 20.49% – 29.24% (variable)
3. Discover it® Balance Transfer
- 0% intro APR for 18 months on balance transfers
- 0% intro APR for 6 months on purchases
- Regular APR: 17.24% – 28.24% (variable)
- Cashback rewards and no annual fee
Benefits of Low APR Credit Cards
Low APR cards are ideal for people who might not pay their balance in full each month. They offer:
- Lower interest charges
- Better debt management
- Ideal for balance transfers or financing large purchases
Important Considerations
Before applying, make sure to check:
- Your credit score (higher scores get better rates)
- Introductory APR vs. Regular APR
- Balance transfer fees (if applicable)
Reminder: Credit card terms may change. Visit the official card issuer websites to verify the latest rates and details before applying.