The BECU Visa Credit Card has two things going for it — a 0% intro APR for 12 months on purchases and a low APR of 13.24% to 25.24% variable. You’ll also get an introductory APR for any balance transfers within the first 90 days of having the card.
Intro APR of 0.99% on balance transfers, plus a low regular APR
0.99% introductory APR for 12 months* *Applies to balance transfers requested within 60 days of account opening (then 11.24% to 18.00% APR)
The Navy Federal Platinum Credit Card is one of few cards available to people with fair credit that includes an introductory APR. You’ll get a 0.99% introductory APR for 12 months* *Applies to balance transfers requested within 60 days of account opening. After that, you’ll get a relatively low APR of 11.24% to 18.00%. And unlike many other cards with balance transfer offers, it doesn’t have any balance transfer fees.
There are also no annual fees or foreign transaction fees with the card. However, you’ll need to be a member of Navy Federal Credit Union to apply for this card. Membership requires you to be a member of the armed forces, Department of Defense; a veteran or family member of one of the above.
APR of just 23.24% Variable
This rate is lower than the average interest rate for a secured credit card
If you have bad credit or are working on establishing your credit history, you might consider the Self Visa® Credit Card. It’s a secured credit card designed for people with bad or poor credit that happens to feature a lower-than-average APR of 23.24% Variable.
There’s no hard credit check performed when you apply. Instead, you must sign up for the Self Credit Builder plan and meet certain eligibility requirements. Then, you put down a security deposit that will convert to your card’s credit limit.
You can open a card with a deposit as low as $100. Self will also regularly review your account to possibly increase your credit limit as long as your account remains in good standing.
APR of just 16.75% to 18.00% (variable)
This rate is lower than the average interest rate for a secured credit
The DCU Visa® Platinum Secured Credit Card is another option if your credit is less-than-ideal and you’re looking for a secured card. It features an APR of 16.75% to 18.00% (variable), which is one of the lowest rates you’ll find among secured credit cards.
While you are required to put down an initial security deposit, that deposit will turn into your initial credit limit. The DCU Visa® Platinum Credit Card also requires credit union membership to apply, but you can be approved even with bad or poor credit. There is also no annual fee, no balance transfer fee, no cash advance fee and no foreign transaction fees.
0% APR on purchases for 15 months
0% Intro APR on Purchases for 15 months (followed by a 20.49% – 29.24% Variable APR) and 0% Intro APR on Balance Transfers for 15 months (followed by a 20.24%, 25.24%, or 29.99% Variable APR)
The Chase Freedom Unlimited® is one of best cash back cards you can find with an introductory APR on purchases and balance transfers. It gives you a longer-than-average intro period to pay down a balance, plus a great cash rewards program that makes it worth keeping in the long run.
Unlimited 1.5% cash back is just the beginning. Enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 1.5% cash back on all other purchases.
Additionally, if you also have a premium Chase credit card, you can combine the rewards you earn with the Chase Freedom Unlimited® to possibly get even more value from your rewards. The card does usually require a better credit score than other cards, so if your credit is still fair or below, you might want to consider another card on this list.
0% APR on purchases and balance transfers for 18 billing cycles
0% Intro APR for 18 billing cycles for purchases (followed by a 16.24% - 26.24% Variable APR) and 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days (followed by a 16.24% - 26.24% Variable APR on balance transfers)
The BankAmericard® credit card comes with one of the longest intro periods for purchases and balance transfers around. You’ll have almost two years to pay down a balance interest-free. While it doesn’t have a rewards program or many other perks, you’ll enjoy that it doesn’t have an annual fee or a penalty APR.
0% APR on balance transfers and purchases for 15 months
0% intro APR for 15 months on balance transfers (followed by a 19.24% - 29.24% (variable) APR and 0% intro APR for 15 months on purchases (followed by a 19.24% - 29.24% (variable) APR)
The Citi Custom Cash® Card isn’t just a really rewarding card for gas purchases. It also gives you over a year to finance a new purchase or pay down an existing balance, interest-free.
It has a unique rewards structure — you Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. The 5% category includes gas purchases, making a great option for a dedicated gas card.
Keep in mind though that you’ll only earn 1% in any category other than your highest spending one. That means the Custom Cash card is better suited to only be used for one category rather than as an everyday card.
The welcome offer and the ongoing rewards are paid out in ThankYou points, which you can either redeem as cash or use for travel expenses. The Citi Custom Cash® Card also has no annual fee.
Dan Miller is a freelance writer and has been covering credit cards, student loans and all things personal finance since 2014. His home base is in Cincinnati, but he tries to travel the world as much as possible with his wife and 6 kids.Read More
The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.