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LOW APR CREDIT CARDS
A recent study claims that 60% of credit-card holders carry a significant balance, and of those who own a credit card, the average balance is now over $8,000, while only a decade ago it was around $3,000!
So for over half of US credit card holders, the ongoing APR is perhaps the most important feature of a credit card. But what is an ongoing APR? A.P.R. stands for Annual Percentage Rate, and the lower the better! A lower APR card means you pay less interest on your credit card balance at the closing of each statement period if you carry a balance. Ongoing APR is the APR after your introductory period, which usually varies from 6-18 months. The "intro" APR is always lower than the "ongoing" APR (often 0%) and it can be applied toward your balance transfers from another credit card, or toward purchases made during the introductory period, or toward both. APRs can either be "fixed" or "variable." Fixed-rate APR's are typically higher, but you know years in advance how much interest you'll have to pay at the end of each month. A variable rate will change (vary) based on the "prime" index, published in the Wall Street Journal.
Lower is better:
On this page, we compiled credit cards with LOWER THAN 15% ongoing APR. If you carry a high balance, make this the most important attribute when choosing a card. If you owe only a moderate amount on your cards, look for the perks along with other features.
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- Membership Rewards ExpressSM program
- 0% APR for up to 15 months
- Low Balance Transfer APR — 4.99% Fixed APR for the life of the balance
- No annual fee
- Blue is your launch pad to standout shopping and entertainment rewards and one-of-a-kind experiences
Issuer: American Express Co.
Intro APR for Purchases: 0.00% (for Up to 15 Months)
Ongoing APR: As low as Prime + 4.99% (Currently 9.99%)
APR for Balance Transfers: 4.99% (for Life of Balance)
Balance Transfer Fee: None if submitted with this application*
Annual Fee: None
Late Fee: $19-$38
Overlimit Fee: $35.00
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $38.00
Grace Period: 20 Days
Credit Line: Up to $100,000
Reward Program: Membership Rewards® Points
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- 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.
Issuer: IberiaBank
Ongoing APR: As low as Prime - 1.00% (Currently 4.00%)
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Balance Transfer Fee: None
Annual Fee: None
Late Fee: $15-$35
Overlimit Fee: $35.00
Cash Advance APR: As low as Prime + 0.00% (Currently 5.00%)
Cash Advance Fee: 5% (min. $5, max. $100)
Returned Check Fee: $29.00
Grace Period: 25 Days
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- 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.
Issuer: Chase Bank USA
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Cash Advance APR: from Prime + 15.99% (Currently 20.99%)
Cash Advance Fee: 3% (minimum $10)
Grace Period: At least 20 Days
Reward Program: Cash Back or Gift Card/Certificate
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- 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.
Issuer: IberiaBank
Ongoing APR: As low as Prime - 1.00% (Currently 4.00%)
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Balance Transfer Fee: None
Annual Fee: None
Late Fee: $15-$35
Overlimit Fee: $35.00
Cash Advance APR: As low as Prime + 0.00% (Currently 5.00%)
Cash Advance Fee: 5% (min. $5, max. $100)
Returned Check Fee: $29.00
Grace Period: 25 Days
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- 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.
Issuer: Chase Bank USA
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Cash Advance APR: Prime + 15.99% (Currently 20.99%)
Cash Advance Fee: 3% (minimum $10)
Grace Period: At least 20 Days
Reward Program: Bonus Points
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- 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.
Issuer: Citibank
Intro APR for Purchases: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 3.49% (Currently 8.49%)
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 20 Days
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- 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.
Issuer: Citibank
Intro APR for Purchases: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 3.49% (Currently 8.49%)
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 20 Days
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- 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.
Issuer: HSBC Bank Nevada, N.A.
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as 8.99%
APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: 3% ($15 minimum) max. $99 during the Introductory Period*
Annual Fee: None
Cash Advance APR: Prime + 15.99% (Currently 20.99%)
Cash Advance Fee: 3% (minimum $15)*
Grace Period: 20 Days
Reward Program: 1-2% Unlimited Cash Back
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- 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.
Issuer: IberiaBank
Ongoing APR: As low as Prime + 0.99% (Currently 5.99%)
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Balance Transfer Fee: None
Annual Fee: None
Late Fee: $15-$35
Overlimit Fee: $35.00
Cash Advance APR: As low as Prime + 1.99% (Currently 6.99%)
Cash Advance Fee: 5% (min. $5, max. $100)
Returned Check Fee: $29.00
Grace Period: 25 Days
Reward Program: 1% Cashback
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- 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.
Issuer: Chase Bank USA
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
APR for Balance Transfers: 0.00% (for Up to 6 Months*)
Balance Transfer Fee: 3% (minimum $5; maximum $50)
Annual Fee: None
Late Fee: $15-$35
Overlimit Fee: $29.00
Cash Advance APR: Prime + 14.74% (Currently 19.74%)
Cash Advance Fee: 3% (minimum $10)
Grace Period: At least 20 Days
Reward Program: Rewards Points
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- 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.
Issuer: Chase Bank USA
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
APR for Balance Transfers: 0.00% (for Up to 6 Months*)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Annual Fee: None*
Late Fee: $15-$39
Overlimit Fee: $39.00
Cash Advance APR: from Prime + 15.99% (Currently 20.99%)
Cash Advance Fee: 3% (minimum $10)
Grace Period: At least 20 Days
Reward Program: Rebate (Credit)
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- No annual fee
- 0% Introductory APR on balance transfers for your first 6 billing cycles
- Earn 1 bonus point for every $1 in net retail purchases and redeem your points for hotel rooms, gourmet dinners, travel, and more
Download the Terms & Conditions here.
Issuer: IberiaBank
Ongoing APR: As low as Prime + 0.99% (Currently 5.99%)
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Balance Transfer Fee: None
Annual Fee: None
Late Fee: $15-$35
Overlimit Fee: $35.00
Cash Advance APR: As low as Prime + 1.99% (Currently 6.99%)
Cash Advance Fee: 5% (min. $5, max. $100)
Returned Check Fee: $29.00
Grace Period: 25 Days
Reward Program: ScoreCard® Bonus Points
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- 0% APR on purchases and balance transfers for 12 months*
- No annual fee
- Business-size credit line
- Free additional cards for employees with credit limits you set
- Savings on everyday business purchases
- Quarterly and annual account summaries
- Balance transfer fee applies with this offer*
*See Terms and Conditions.
Issuer: Citibank
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: Prime + 2.99% (Currently 7.99%)
APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: Balance transfer fee applies with this offer*
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $35.00
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
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- 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
Issuer: American Express Co.
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 4.99% (Currently 9.99%)
APR for Balance Transfers: As low as Fixed 4.99% (for Life of Balance)
Balance Transfer Fee: 3% (minimum $5; maximum $99)
Annual Fee: None
Late Fee: $19-$38
Overlimit Fee: $35.00
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $38.00
Grace Period: 20 Days
Credit Line: Up to $100,000
Reward Program: Up to 5% Cash Back
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- No Annual Fee
- 0% Intro APR for up to 12 months*
- No Block-out Dates
- Visa® Platinum Benefits
*See Pricing & Terms.
Issuer: Chase Bank USA
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $50)
Annual Fee: None
Late Fee: $14-$34
Overlimit Fee: $29.00
Cash Advance APR: Prime + 15.99% (Currently 20.99%)
Cash Advance Fee: 3% (minimum $5)
Grace Period: At least 20 Days
Reward Program: Disney RewardsSM
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- Pay over time or pay in full each month
- No annual fee
- 0% Introductory APR on purchases for the first 12 months
- Balance Transfer APR: 4.99%*
- Option to enroll in Fee-Free Membership Rewards Program
- No annual fee and fee-free Additional Cards*
- Get a decision in less than 60 seconds
- Easy, 1-page online application
*View Terms & Conditions.
Issuer: American Express Co.
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 2.99% (Currently 7.99%)
APR for Balance Transfers: Fixed 4.99% (for Life of Balance)
Balance Transfer Fee: None if submitted with this application*
Annual Fee: None
Late Fee: $19-$38
Overlimit Fee: $35.00
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
Credit Line: $1,000 to $50,000
Reward Program: Optional (fee applies) Points
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- 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.
Issuer: IberiaBank
Ongoing APR: As low as Prime + 0.99% (Currently 5.99%)
APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Balance Transfer Fee: None
Annual Fee: None
Late Fee: $15-$35
Overlimit Fee: $35.00
Cash Advance APR: As low as Prime + 1.99% (Currently 6.99%)
Cash Advance Fee: 5% (min. $5, max. $100)
Returned Check Fee: $29.00
Grace Period: 25 Days
Reward Program: 1% Cashback
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- 0.00% Intro APR for up to 12 months
- 5.99% fixed APR on balance transfers
- Automatic Rewards
- Flexibility to pay over time
- User-friendly credit report and score
- American Express World-Class customer service
Issuer: American Express Co.
Intro APR for Purchases: 0.00% (for Up to 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)
APR for Balance Transfers: Fixed 5.99% (for Life of Balance)
Balance Transfer Fee: None
Annual Fee: None
Late Fee: None
Overlimit Fee: None
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Cash Advance Fee: None
Returned Check Fee: None
Grace Period: 28-31 Days
Reward Program: Automatic Rewards
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- 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.
Issuer: Advanta Bank Corp.
Ongoing APR: Prime + 0.24% (Currently 5.24%)
APR for Balance Transfers: 0.00% (for 15 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $50)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15-$39
Cash Advance APR: As low as Prime + 0.24% (Currently 5.24%)
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $35.00
Grace Period: YES*
Credit Line: Up to $50,000
Reward Program: 5% Cash Back or Travel Rewards
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- 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
- 5% to 20% Cashback Bonus® at top online retailers*
- Up to 1% Cashback Bonus®on all other purchases automatically
- Unlimited cash rewards*
- Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus® Partners
- 0% Intro APR*
- Fraud specialists dedicated to helping you 24/7
- Timely e-mail reminders to help you avoid fees
*View rates, fees, rewards and other important information.
Issuer: Discover Bank
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3% (minimum $10; maximum $75)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Cash Advance APR: 23.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
Credit Line: Minimum $5,000
Reward Program: 1-5% Cashback Bonus®
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- 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
- 5% to 20% Cashback Bonus® at top online retailers*
- Up to 1% Cashback Bonus®on all other purchases automatically
- Unlimited cash rewards*
- Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus® Partners
- Easy online account options that put you in control
- Timely e-mail reminders to help you avoid fees
*View rates, fees, rewards and other important information.
Issuer: Discover Bank
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3% (minimum $10; maximum $75)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Cash Advance APR: 23.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
Credit Line: Minimum $5,000
Reward Program: Up to 5% Cashback Bonus® Award on Gas Purchases
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- Earn free travel fast with Blue Sky
- No blackout dates, no travel restrictions
- Points good on any airline, hotel, cruise and more
- Travel anytime: no blackout dates or restrictions
- Unlimited rewards: no point caps or expiration dates
- No annual fee and 0.00% intro APR*
- World class American Express® benefits
- The Sky's the Limit with Blue Sky®
*See Terms, Conditions & Disclosures
Issuer: American Express Co.
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 4.99% (Currently 9.99%)
APR for Balance Transfers: As low as Fixed 4.99% (for Life of Balance)
Balance Transfer Fee: 3% (minimum $5; maximum $99)
Annual Fee: None
Late Fee: $19-$38
Overlimit Fee: $35.00
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $38.00
Grace Period: 20 Days
Reward Program: Travel Points
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- Earn 5% cash back on gas, office supplies, and wireless services
- Earn 1% cash back on virtually all other purchases
- Cash back is automatically credited to the statement each month
- Use the online calculator to see how fast your savings add up
- 0% introductory APR for the first 12 months
- No annual fee with the flexibility to pay in full or carry a balance
- OPEN Savings® : Automatic discounts with FedEx, Delta®, major hotels, and more
Issuer: American Express Co.
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 0.00% (Currently 5.00%)
APR for Balance Transfers: Fixed 7.99% (for Life of Balance)
Balance Transfer Fee: None if submitted with this application*
Annual Fee: None
Late Fee: $19-$38
Overlimit Fee: $35.00
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
Reward Program: Up to 5% Cash Back
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- 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 12 months*
- No annual fee
*See Terms and Conditions.
Issuer: Citibank
Ongoing APR: As low as Prime + 3.99% (Currently 8.99%)*
APR for Balance Transfers: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 20 Days
Credit Line: Minimum $500
Reward Program: Up to 10% Savings*
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- 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
- 5% to 20% Cashback Bonus® at top online retailers*
- Up to 1% Cashback Bonus®on all other purchases automatically
- Unlimited cash rewards*
- Increase, even double, the value of your rewards when you redeem for gift cards from our 80 Cashback Bonus® Partners
- 0% Intro APR*
*View rates, fees, rewards and other important information.
Issuer: Discover Bank
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3% (minimum $10; maximum $75)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Cash Advance APR: 23.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
Credit Line: Minimum $5,000
Reward Program: 1-5% Cashback Bonus®
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- Book any travel, anytime with no blackout dates or restrictions
- Double Miles on up to $3,000 in travel and restaurant purchases each year
- 1 Mile for every $1 on all your other purchases
- Unlimited Miles that never expire as long as you use your card
- Redeem for travel credits to your account, gift cards from any of our 80 brand-name Partners or cash starting at just 5,000 Miles
- 0% Intro APR*
*View rates, fees, rewards and other important information.
Issuer: Discover Bank
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3% (minimum $10; maximum $75)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Cash Advance APR: 23.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
Credit Line: Minimum $5,000
Reward Program: Air Miles
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- Unlimited cash rewards*
- 5% to 20% Cashback Bonus® at top online retailers*
- Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus® Partners
- 0% Intro APR*
- Talk to a knowledgeable person in less than a minute
- $0 fraud liability guarantee
- Advanced fraud early warning alerts
- Secure online account numbers
- Fraud specialists dedicated to helping you 24/7
*View rates, fees, rewards and other important information.
Issuer: Discover Bank
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3% (minimum $10; maximum $75)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Cash Advance APR: 23.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
Credit Line: Minimum $5,000
Reward Program: 1-5% Cashback Bonus®
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- Earn an unlimited 1% cash back on every single purchase
- 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% Intro APR on balance transfers for the first 12 months*
- No annual fee
*See terms & conditions.
Issuer: HSBC Bank Nevada, N.A.
Ongoing APR: As low as 8.99%
APR for Balance Transfers: 0.00% (for for the first 12 Months*)
Balance Transfer Fee: 3% ($15 minimum) max. $99 during the Introductory Period*
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $35.00
Cash Advance APR: Prime + 15.99% (Currently 20.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $15)*
Grace Period: 20 Days
Reward Program: Cash Back Rewards
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- Earn one INSIDESM Rewards point for every eligible dollar you spend, whether you're in Los Angeles or not*
- Earn double INSIDESM Rewards points when you use the Card for city essentials like dining, movie tickets, cell phone service, cable and internet service, gym memberships, and newspaper and magazine subscriptions*
- Redeem points for rewards to eat, drink, and play in Los Angeles, Chicago, and New York
- No limit to the number of points you can earn
- Points have no expiration date
*See Terms, Conditions & Disclosures.
Issuer: American Express Co.
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 3.99% (Currently 8.99%)
APR for Balance Transfers: 0.00% (for 6 Months)
Balance Transfer Fee: None if submitted with this application*
Annual Fee: None
Late Fee: $19-$38
Overlimit Fee: $35.00
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $38.00
Grace Period: 20 Days
Credit Line: Up to $100,000
Reward Program: INSIDESM Reward Points
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- No Annual Fee
- 0% Introductory APR on balance transfers and cash advance checks for your first 12 billing cycles*
- Credit lines may be as high as $25,000
- Card issued by FIA Card Services, NA.
- Online Banking Service
- Total Security Protection®
- Card issued by FIA Card Services, NA
*See important rate and fee information.
Issuer: Bank of America
Ongoing APR: As low as Prime + 2.99% (Currently 7.99%)*
APR for Balance Transfers: 0.00% (for twelve billing cycles*)
Balance Transfer Fee: 3% (minimum $10)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $15-$39
Cash Advance APR: Prime + 15.99% (Currently 20.99%)
Cash Advance Fee: 3%, $10 minimum
Grace Period: 20 Days (Min.)
Credit Line: As high as $25,000
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- 25% annual bonus on the cash you earn*
- 1% cash back on every purchase
- 0% APR on purchases until October 2008. After that, variable APR, currently 14.9%*
- No limit on cash back and rewards won't expire for the life of your account
- Redeem cash whenever you like
- $29 annual fee
*See website for Disclosures.
Issuer: Capital One Bank
Intro APR for Purchases: 0.00% (for (until October 2008))
Ongoing APR: 14.90%
APR for Balance Transfers: 14.90%
Balance Transfer Fee: None
Annual Fee: $29.00
Late Fee: $15-$39
Overlimit Fee: $39.00
Cash Advance APR: 20.90%
Cash Advance Fee: 3%, $10 minimum
Returned Check Fee: $39.00
Grace Period: 25 Days
Credit Line: $300-$3,000*
Reward Program: At least 1.25 miles/dollar on net purchases*
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- 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
Issuer: American Express Co.
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 2.99% (Currently 7.99%)
APR for Balance Transfers: Fixed 7.99% (for Life of Balance)
Balance Transfer Fee: None if submitted with this application
Annual Fee: None
Late Fee: $19-$38
Overlimit Fee: $35.00
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
Reward Program: Up to 5% Cash Back
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- No Fee Rewards Program
- 3 ThankYou Points on eligible business purchases*
- 10,000 bonus ThankYou Points after $250 in purchases, redeemable for a $100 gift card*
- 0% APR on purchases for 12 months*
- Categorized monthly statements and quarterly and annual summaries
- Online Expense Reporting Tool
*See Terms and Conditions.
Issuer: Citibank
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: Prime + 5.99% (Currently 10.99%)
APR for Balance Transfers: Prime + 5.99% (Currently 10.99%)
Balance Transfer Fee: Balance transfer fee applies with this offer*
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $35.00
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 20 Days
Reward Program: ThankYou Points®
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- Unlimited cash rewards*
- 5% to 20% Cashback Bonus® at top online retailers*
- Increase, even double, your rewards when you redeem for gifts cards from our 80 Cashback Bonus® Partners*
- Talk to a knowledgeable person in less than a minute
- 0% Intro APR*
*View rates, fees, rewards and other important information.
Issuer: Discover Bank
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3% (minimum $10; maximum $75)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Cash Advance APR: 23.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
Credit Line: Minimum $5,000
Reward Program: 1-5% Cashback Bonus®
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- 0% Intro APR*
- Save at the pump and everywhere else.*
- 5% Cashback Bonus® on gas and auto maintenance purchases
- 5% to 20% Cashback Bonus® at top online retailers*
- Up to 1% Cashback Bonus® on all other purchases
- Unlimited cash rewards*
- Increase, even double, the value of your rewards when you redeem for gift cards from our 80 Cashback Bonus® Partners
Issuer: Discover Bank
Intro APR for Purchases: 0.00% (for *)
Ongoing APR: As low as 10.99%
APR for Balance Transfers: 0.00% (for *)
Balance Transfer Fee: 3% (minimum $10; maximum $75)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Cash Advance APR: 23.99%
Cash Advance Fee: 3% (minimum $5)
Grace Period: 25 Days
Credit Line: Minimum $5,000
Reward Program: Full 5% on Gas Purchases*
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- 0% Intro APR*
- No Annual Fee
- FREE Online Account Access
- FREE travel services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance
*See Pricing & Terms.
Issuer: Chase Bank USA
Intro APR for Purchases: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Cash Advance APR: from Prime + 15.99% (Currently 20.99%)
Cash Advance Fee: 3% (minimum $10)
Grace Period: At least 20 Days
Reward Program: Flexible Rewards Points
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- 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.
Issuer: Advanta Bank Corp.
Ongoing APR: Prime + 2.24% (Currently 7.24%)
APR for Balance Transfers: 2.99% (for Life of Balance*)
Balance Transfer Fee: Waived for the introductory offer*
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15-$39
Cash Advance APR: As low as Prime + 2.24% (Currently 7.24%)
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $35.00
Grace Period: 20 Days
Reward Program: Cash Back or Travel Rewards
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- Rates as low as 9.75% APR*
- Unsecured MasterCard Accepted at Millions of Locations Worldwide
- Monthly reporting to the Major Credit Bureaus
- Free Online Access
- Excellent Online Tools for Managing Your Finances
- Semi-Annual Credit Limit Increases
- Prestige of carrying a Gold card
*See website forTerms and Conditions.
Issuer: First Bank of Delaware
Ongoing APR: 9.75%
Total Initial Charge: $225.00
Annual Fee: $25.00
Monthly Fee: $12.00
Late Fee: $35.00
Overlimit Fee: $35.00
Cash Advance APR: 19.92%
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $35.00
Grace Period: 25 Days
Credit Line: $300-$2,000*
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- 0% Introductory APR for 6 months on purchases
- No annual fee
- Option to carry a balance
- One INSIDE Rewards point for every dollar spent
- Plus INSIDE Double points on City Essentials
Issuer: American Express Co.
Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 3.99% (Currently 8.99%)
APR for Balance Transfers: 0.00% (for 6 Months)
Balance Transfer Fee: None if submitted with this application*
Annual Fee: None
Late Fee: $19-$38
Overlimit Fee: $35.00
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $38.00
Grace Period: 20 Days
Credit Line: Up to $100,000
Reward Program: INSIDESM Reward Points
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- 0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR thereafter*
- 7.99% Variable APR (based on Prime) on Purchases
- Up to 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 monthly spending limits per user
- $0 Fraud Liability
- Personalized card — your company name on the card, plus your logo.
* See website for Terms and Conditions, important information, benefits and limitations.
Issuer: Advanta Bank Corp.
Ongoing APR: Prime + 0.24% (Currently 5.24%)
APR for Balance Transfers: 0.00% (for 15 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $50)
Annual Fee: None
Late Fee: $19-$39
Overlimit Fee: $15-$39
Cash Advance APR: As low as Prime + 0.24% (Currently 5.24%)
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $35.00
Grace Period: YES*
Credit Line: Up to $50,000
Reward Program: 5% Cash Back or Travel Rewards
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