Top Low APR Credit Cards in 2023

Low APR credit cards can make a significant difference to your bottom line immediately and over time. The less interest you pay on your loans, the more money in your pocket. It’s no wonder then, that most of us are always on the lookout for low APR credit cards. With that in mind, we’ll take some time to explore some of the best low APR credit cards available today. Start a search to find and apply for a low APR credit card.

The Freedom Seeker: Chase Freedom Unlimited

There’s a reason the word “freedom” is in this card’s name. The Chase Freedom Unlimited offers you flexibility with its 0% intro APR for the first 15 months on purchases.
After that, a variable APR applies based on your creditworthiness, but it remains competitive in the low APR segment. Plus, you can rack up rewards with no annual fee—how great is that?

For the Balanced Budgeter: Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card brings a balance to your financial life with its low ongoing APR. This card offers a 0% intro APR on purchases and balance transfers for the first 15 months, transitioning into a low regular APR thereafter. Not to mention, you’ll earn 1.5% cash back on every purchase, every day—a win-win if you ask us!

The Jetsetter’s Best Friend: American Express Blue Sky

Who doesn’t love to travel? The American Express Blue Sky credit card is a perfect companion for jet-setters, boasting a low APR and rewarding users with travel points for every dollar spent.
They might not offer an introductory APR, but you’ll earn one point for every eligible dollar you spend, a competitive variable APR, and no membership fees. Get ready to pack your bags!

For the Savvy Student: Discover it Student Cash Back

Being a student can be financially challenging, but the Discover it Student Cash Back card makes it a bit easier. Students can earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when they pay using PayPal, up to the quarterly maximum when activated.
The card has no annual fee, and qualified applicants don’t need a credit score in order to apply. The card offers an introductory APR of 0% for 6 months on purchases too, making it even more attractive to students.

The Tech Lover: Apple Credit Card

For those that have adopted the Apple ecosystem, the Apple Credit Card offers a seamless experience with a competitive APR range. This card stands out by providing daily cashback of 3% on Apple purchases, 2% when you use Apple Pay, and 1% on all other purchases. The titanium card’s interest rates are among the lowest in the industry, making it a top choice for Apple fans.

The Everyday Shopper: Discover it Cash Back

Say hello to potentially huge savings with the Discover it Cash Back card. This gem offers a 0% introductory APR for the first 15 months on purchases and balance transfers and no annual fees.
You can earn 5% cash back at different places each quarter like grocery stores, restaurants, gas stations, and when you pay using PayPal, up to the quarterly maximum. And the icing on the cake? Discover will match all the cash back you’ve earned at the end of your first year!

For the Small Business Owner: American Express Blue Business Cash Card

Running a small business is challenging enough without high-interest rates eating into your profits. With the American Express Blue Business Cash Card, you get a 0% intro APR on purchases for 12 months.
Following this, a low variable APR applies. Plus, you earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% after that. Your business budget is bound to thank you!

Rewards, For Less

You’ve just skimmed the surface of low APR credit cards available in 2023. These options should give you a solid starting point in your quest to reduce interest payments while enjoying other perks. As always, it’s essential to remember that the best credit card for you depends on your unique needs and spending habits.
Whether you’re an avid traveler, a small business owner, or just someone looking to optimize their everyday spending, there’s a low APR credit card out there for you. We’ve highlighted some fantastic options, but there are countless more awaiting your discovery.
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