{"id":4089,"date":"2023-11-17T08:36:00","date_gmt":"2023-11-17T08:36:00","guid":{"rendered":"https:\/\/thewealthcircle.com\/?p=4089"},"modified":"2023-11-17T08:55:08","modified_gmt":"2023-11-17T08:55:08","slug":"low-apr-credit-cards","status":"publish","type":"post","link":"https:\/\/kiiky.com\/wealth\/low-apr-credit-cards\/","title":{"rendered":"9 Low APR Credit Cards | Check Out The Interests","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"\n<p>Do you have a credit card but the charges have made you dump it? You don&#8217;t need to do that because there are credit cards that have low APR.<\/p>\n\n\n\n<p>APR means the annual percentage rate. It represents the cost of your borrowing. The \u2018representative APR\u2019 is the rate that at least 51% of successful applicants for a credit card will receive.<\/p>\n\n\n\n<p>Low APR credit cards finally help you manage your debt by&nbsp;<a rel=\"noreferrer noopener\" href=\"https:\/\/thewealthcircle.com\/royal-seas-cruises\/\" target=\"_blank\">transferring an existing balance&nbsp;<\/a>or by helping you fund a bigger purchase.<\/p>\n\n\n\n<p>APR usually includes fees and interest. This means it reflects the total cost over time. So, relax and read this article to the end because I will show you 9 low APR credit cards and their interests.<\/p>\n\n\n\n<p>But before we continue, you can go through the table of content below for an overview of what to expect in this article.<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2 id=\"table-of-contents\">Table of contents<\/h2><ul><li><a href=\"#h-what-are-the-types-of-low-apr-credit-cards\" data-level=\"2\">What Are The Types Of Low APR Credit Cards?<\/a><\/li><li><a href=\"#h-what-are-the-things-to-consider-when-looking-for-low-apr-credit-cards\" data-level=\"2\">What Are The Things To Consider When Looking For Low APR Credit cards?<\/a><\/li><li><a href=\"#h-list-of-low-apr-credit-cards\" data-level=\"2\">List Of Low APR Credit Cards<\/a><ul><li><a href=\"#h-1-discover-it-cash-back\" data-level=\"3\">#1. Discover It Cash Back<\/a><\/li><li><a href=\"#h-2-citi-diamond-preferred-card\" data-level=\"3\">#2. Citi Diamond Preferred Card<\/a><\/li><li><a href=\"#h-3-citi-double-cash-card\" data-level=\"3\">#3. Citi Double Cash Card<\/a><\/li><li><a href=\"#h-4-chase-sapphire-reserve\" data-level=\"3\">#4. Chase Sapphire Reserve<\/a><\/li><li><a href=\"#h-5-capital-one-venture-rewards-credit-card\" data-level=\"3\">#5. Capital One Venture Rewards Credit Card<\/a><\/li><li><a href=\"#h-6-the-platinum-card-from-american-express\" data-level=\"3\">#6. The Platinum Card From American Express<\/a><\/li><li><a href=\"#h-7-discover-it-student-chrome\" data-level=\"3\">#7. Discover it Student chrome<\/a><\/li><li><a href=\"#h-8-deserve-edu-mastercard-for-students\" data-level=\"3\">#8. Deserve EDU Mastercard for Students<\/a><\/li><li><a href=\"#h-9-united-explorer-card\" data-level=\"3\">#9. United Explorer Card<\/a><\/li><\/ul><\/li><li><a href=\"#h-conclusion\" data-level=\"2\">Conclusion<\/a><\/li><li><a href=\"#h-references\" data-level=\"2\">References<\/a><\/li><li><a href=\"#h-recommendation\" data-level=\"2\">RECOMMENDATION<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-types-of-low-apr-credit-cards\"><span id=\"what-are-the-types-of-low-apr-credit-cards\"><strong>What Are The Types Of Low APR Credit Cards?<\/strong><\/span><\/h2>\n\n\n\n<p>There are different types of APR credit cards. These include:<\/p>\n\n\n\n<div class=\"wp-block-ugb-icon-list ugb-icon-list ugb-icon--icon-star ugb-56f0f53 ugb-icon-list--v2 ugb-main-block\"><style>.ugb-56f0f53 li::before{background-image:url('data:image\/svg+xml;base64,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')}.ugb-56f0f53.ugb-icon-list ul{columns:1}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><ul><li><strong>APR on purchases:<\/strong> This is the rate charged on your credit card balance. It\u2019s often 0% for a set introductory period.<\/li><li><strong>APR on balance transfer:<\/strong> This is the rate charged on a balance transfer. It\u2019s often 0% for a set period.<\/li><li><strong>Penalty APR: <\/strong>This is a very high-rate APR. It\u2019s triggered when you do something that your creditor isn\u2019t happy with, which is why it\u2019s called \u2018penalty\u2019 APR.<\/li><li><strong>Cash advance APR:<\/strong> Lastly, this is how much you\u2019re charged for taking cash out. It\u2019s mostly effective from the day you withdraw the money.<\/li><\/ul><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-things-to-consider-when-looking-for-low-apr-credit-cards\"><span id=\"what-are-the-things-to-consider-when-looking-for-low-apr-credit-cards\"><strong>What Are The Things To Consider When Looking For Low APR Credit cards?<\/strong><\/span><\/h2>\n\n\n\n<p>To find the low APR credit cards for your needs there are different things to consider which include: <\/p>\n\n\n\n<div class=\"wp-block-ugb-icon-list ugb-icon-list ugb-icon--icon-star ugb-424123a ugb-icon-list--v2 ugb-main-block\"><style>.ugb-424123a li::before{background-image:url('data:image\/svg+xml;base64,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')}.ugb-424123a.ugb-icon-list ul{columns:1}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><ul><li>APR (annual percentage rate)<\/li><li>Introductory APR (how long you\u2019ll get 0% APR on your spending)<\/li><li>Rewards rates<\/li><li>Rewards categories<\/li><li>Other features and benefits<\/li><li>Customer service<\/li><li>Security<\/li><li>Credit rating requirements<\/li><li>Ease of application<\/li><li>Other rates and fees<\/li><\/ul><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-ugb-notification ugb-notification ugb-8507d92 ugb-notification--v2 ugb-notification--design-bordered ugb-notification--type-info ugb-main-block\"><style>.ugb-8507d92 .ugb-notification__item{background-color:#ffffff !important}.ugb-8507d92 .ugb-notification__item:before{background-color:#ffffff !important}.ugb-8507d92 .ugb-notification__title{color:#222222 !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-notification__item ugb-notification--new-icon ugb--shadow-4\"><h5 id=\"people-who-read-this-content-end-up-reading-budget-categories-in-2022-easy-steps-to-set-them-up-fast-check-it-out\" class=\"ugb-notification__title\">People who read this content, end up reading <strong><a href=\"https:\/\/thewealthcircle.com\/budget-categories\/\" target=\"_blank\" rel=\"noreferrer noopener\">Budget Categories In 2022: Easy Steps To Set Them Up Fast<\/a> <\/strong>Check it Out<\/h5><\/div><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-list-of-low-apr-credit-cards\"><span id=\"list-of-low-apr-credit-cards\"><strong>List Of Low APR Credit Cards<\/strong><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-discover-it-cash-back\"><span id=\"1-discover-it-cash-back\"><strong>#1. Discover It Cash Back<\/strong><\/span><\/h3>\n\n\n\n<p><strong>Annual Fee: <\/strong>$0<br><strong>Regular APR:<\/strong> 11.99% &#8211; 22.99% Variable APR<strong><br>Intro APR:<\/strong> 0% intro. APR for 14 months on purchases and balance transfers.<\/p>\n\n\n\n<p>The Discover it Cash Back offers a stellar rewards rate for those who don\u2019t mind a little maintenance. <\/p>\n\n\n\n<p>It earns 5% cashback in quarterly bonus categories, on up to $1,500 in spending per quarter, and 1% back on other purchases.<\/p>\n\n\n\n<p>Also, the bonus categories have included common <a href=\"https:\/\/thewealthcircle.com\/10-best-budget-app-for-couples-in-2020\/\" target=\"_blank\" rel=\"noreferrer noopener\">household expenses<\/a> like restaurants, grocery stores, gas stations, and Amazon, making it a solid pick either as an everyday card or paired with a flat-rate cash-back card.<\/p>\n\n\n\n<p><strong>Note:<\/strong> Always remember to activate the categories via web or app every few months. For more information, you can click on the click below.<\/p>\n\n\n\n<div class=\"wp-block-ugb-button ugb-button-wrapper ugb-12c0d1e ugb-main-block\"><style>.ugb-12c0d1e .ugb-button1{background-color:#c67f2d}.ugb-12c0d1e .ugb-button1 .ugb-button--inner,.ugb-12c0d1e .ugb-button1 svg:not(.ugb-custom-icon){color:#222222 !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-button-container\"><a class=\"ugb-button1 ugb-button ugb-button--size-normal\" href=\"https:\/\/www.discover.com\/credit-cards\/cash-back\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" title=\"\"><span class=\"ugb-button--inner\">Card Link<\/span><\/a><\/div><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-citi-diamond-preferred-card\"><span id=\"2-citi-diamond-preferred-card\"><strong>#2. Citi Diamond Preferred Card<\/strong><\/span><\/h3>\n\n\n\n<p><strong>Annual Fee: <\/strong>$0<br><strong>Regular APR:<\/strong> 14.74% &#8211; 24.74% variable<strong><br>Intro APR:<\/strong> 0% intro. APR on Balance Transfers for 18 months.<\/p>\n\n\n\n<p>With Citi Diamond Preferred Card, there is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.<\/p>\n\n\n\n<p>You can shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi Identity Theft Solutions. Also, you have free access to your FICO score online.<\/p>\n\n\n\n<p>For more information, you can click on the link below.<\/p>\n\n\n\n<div class=\"wp-block-ugb-button ugb-button-wrapper ugb-42440a4 ugb-main-block\"><style>.ugb-42440a4 .ugb-button1{background-color:#c67f2d}.ugb-42440a4 .ugb-button1 .ugb-button--inner,.ugb-42440a4 .ugb-button1 svg:not(.ugb-custom-icon){color:#222222 !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-button-container\"><a class=\"ugb-button1 ugb-button ugb-button--size-normal\" href=\"https:\/\/www.citi.com\/credit-cards\/credit-card-details\/citi.action?ID=citi-diamond-preferred-credit-card\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" title=\"\"><span class=\"ugb-button--inner\"><strong>Card Link<\/strong><\/span><\/a><\/div><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-citi-double-cash-card\"><span id=\"3-citi-double-cash-card\"><strong>#3. Citi Double Cash Card<\/strong><\/span><\/h3>\n\n\n\n<p><strong>Annual Fee: <\/strong>$0<br><strong>Regular APR:<\/strong> 13.99% &#8211; 23.99% Variable APR<strong><br>Intro APR:<\/strong> 0% intro. APR on Balance Transfers for 18 months.<\/p>\n\n\n\n<p>Citi Double Cash Card is one of the low APR credit cards.<\/p>\n\n\n\n<p>The Citi Double Cash Card offers an ideal workhorse card thanks to its exceptional ongoing rewards rate: 2% cashback on all purchases (1% when you buy something, and 1% when you pay it off).<\/p>\n\n\n\n<p>There&#8217;s no sign-up bonus or 0% intro. APR period on purchases, but with no bonus categories to track and no annual fee to worry about, it\u2019s a top-notch option for everyday spending.<\/p>\n\n\n\n<p>However, It lacks some incentives often found on cash-back cards.<\/p>\n\n\n\n<div class=\"wp-block-ugb-button ugb-button-wrapper ugb-0bfa416 ugb-main-block\"><style>.ugb-0bfa416 .ugb-button1{background-color:#c67f2d}.ugb-0bfa416 .ugb-button1 .ugb-button--inner,.ugb-0bfa416 .ugb-button1 svg:not(.ugb-custom-icon){color:#222222 !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-button-container\"><a class=\"ugb-button1 ugb-button ugb-button--size-normal\" href=\"https:\/\/www.citi.com\/credit-cards\/credit-card-details\/citi.action?ID=citi-double-cash-credit-card\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" title=\"\"><span class=\"ugb-button--inner\"><strong>Card Link<\/strong><\/span><\/a><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-ugb-notification ugb-notification ugb-8c70b22 ugb-notification--v2 ugb-notification--design-bordered ugb-notification--type-info ugb-main-block\"><style>.ugb-8c70b22 .ugb-notification__item{background-color:#ffffff !important}.ugb-8c70b22 .ugb-notification__item:before{background-color:#ffffff !important}.ugb-8c70b22 .ugb-notification__title{color:#222222 !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-notification__item ugb-notification--new-icon ugb--shadow-4\"><h5 id=\"people-who-read-this-content-end-up-reading-citi-advantage-mileup-app-review-2022-best-travel-rewards-credit-card-check-it-out\" class=\"ugb-notification__title\">People who read this content, end up reading <a href=\"https:\/\/thewealthcircle.com\/mileup\/\" target=\"_blank\" rel=\"noreferrer noopener\">Citi Advantage MileUp App Review 2022: Best Travel Rewards Credit Card?<\/a> Check it Out<\/h5><\/div><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-chase-sapphire-reserve\"><span id=\"4-chase-sapphire-reserve\"><strong>#4. Chase Sapphire Reserve<\/strong><\/span><\/h3>\n\n\n\n<p><strong>Annual Fee: <\/strong>$550<br><strong>Regular APR:<\/strong> 16.99% &#8211; 23.99% Variable APR<strong><br>Intro APR:<\/strong> N\/A<\/p>\n\n\n\n<p>Chase Sapphire Reserve is one of the best before its annual fee increased by $100 in mid-January. Even at $550, though, the card can be a good deal for frequent travelers.<\/p>\n\n\n\n<p>This card gives a broad $300 travel credit every year, cutting the sticker price by more than half. Also, you earn 3 points per dollar on travel and dining and 1 point per dollar elsewhere.<\/p>\n\n\n\n<p>Furthermore, you&#8217;ll earn an industry-leading 10 points per dollar on Lyft rides. Points are worth 1.5 cents each when redeemed for travel booked through Chase.<\/p>\n\n\n\n<p>In addition things you get include airport lounge access and an application fee credit for TSA Precheck or Global Entry. Plus, there&#8217;s a lucrative bonus offer.<\/p>\n\n\n\n<div class=\"wp-block-ugb-button ugb-button-wrapper ugb-00cddce ugb-main-block\"><style>.ugb-00cddce .ugb-button1{background-color:#c67f2d}.ugb-00cddce .ugb-button1 .ugb-button--inner,.ugb-00cddce .ugb-button1 svg:not(.ugb-custom-icon){color:#222222 !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-button-container\"><a class=\"ugb-button1 ugb-button ugb-button--size-normal\" href=\"https:\/\/creditcards.chase.com\/rewards-credit-cards\/sapphire\/reserve\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" title=\"\"><span class=\"ugb-button--inner\"><strong>Card Link<\/strong><\/span><\/a><\/div><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-capital-one-venture-rewards-credit-card\"><span id=\"5-capital-one-venture-rewards-credit-card\"><strong>#5. Capital One Venture Rewards Credit Card<\/strong><\/span><\/h3>\n\n\n\n<p><strong>Annual Fee: <\/strong>$95<br><strong>Regular APR:<\/strong> 17.24% &#8211; 24.49% Variable APR<strong><br>Intro APR:<\/strong> N\/A<\/p>\n\n\n\n<p>The Capital One Venture Rewards Credit Card earns 2 miles per dollar on every purchase, and you can pay off those miles at 1 cent apiece for any eligible <a href=\"https:\/\/thewealthcircle.com\/how-to-get-cheap-eurostar-tickets\/\" target=\"_blank\" rel=\"noreferrer noopener\">travel expense like flights<\/a>, hotels, and rental cars, but also cruises, bus lines, taxis, travel agents, timeshares and more.<\/p>\n\n\n\n<p>Also, the card gives an application fee credit for either TSA Precheck or Global Entry and a generous sign-up bonus.<\/p>\n\n\n\n<div class=\"wp-block-ugb-button ugb-button-wrapper ugb-3cd440f ugb-main-block\"><style>.ugb-3cd440f .ugb-button1{background-color:#c67f2d}.ugb-3cd440f .ugb-button1 .ugb-button--inner,.ugb-3cd440f .ugb-button1 svg:not(.ugb-custom-icon){color:#222222 !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-button-container\"><a class=\"ugb-button1 ugb-button ugb-button--size-normal\" href=\"https:\/\/www.capitalone.com\/credit-cards\/venture\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" title=\"\"><span class=\"ugb-button--inner\">Card Link<\/span><\/a><\/div><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-6-the-platinum-card-from-american-express\"><span id=\"6-the-platinum-card-from-american-express\"><strong>#6. The Platinum Card From American Express<\/strong><\/span><\/h3>\n\n\n\n<p><strong>Annual Fee: <\/strong>$550<br><strong>Regular APR:<\/strong> See Pay Over Time APR<strong><br>Intro APR:<\/strong> N\/A<\/p>\n\n\n\n<p>The Platinum Card\u00ae from American Express&nbsp;has you covered if you like traveling in style. The annual fee is among the steepest in the industry, but it buys you a dizzying array of premium perks: $200 a year for incidental airline fees; $200 annually in Uber credits; up to $100 for the TSA Precheck or Global Entry application fee and more.<\/p>\n\n\n\n<p>There\u2019s also a fat welcome offer. The ongoing rewards are relatively limited, but with this card, it\u2019s less about what it earns on your spending than about the luxury experiences it can open up for you.<\/p>\n\n\n\n<div class=\"wp-block-ugb-button ugb-button-wrapper ugb-b95e30a ugb-main-block\"><style>.ugb-b95e30a .ugb-button1{background-color:#c67f2d}.ugb-b95e30a .ugb-button1 .ugb-button--inner,.ugb-b95e30a .ugb-button1 svg:not(.ugb-custom-icon){color:#222222 !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-button-container\"><a class=\"ugb-button1 ugb-button ugb-button--size-normal\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card\/platinum\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" title=\"\"><span class=\"ugb-button--inner\">Card Link<\/span><\/a><\/div><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-7-discover-it-student-chrome\"><span id=\"7-discover-it-student-chrome\"><strong>#7. Discover it Student chrome<\/strong><\/span><\/h3>\n\n\n\n<p><strong>Annual Fee: <\/strong>$0<br><strong>Regular APR:<\/strong> 12.99% &#8211; 21.99% Variable APR<strong><br>Intro APR:<\/strong> 0% intro. APR on Purchases for 6 months and 10.99% intro. APR on Balance Transfers for 6 months.<\/p>\n\n\n\n<p>Simplicity and student-friendly rewards push the $0-annual-fee Discover it Student chrome\u00a0to the head of the class. It earns 2% cashback at gas stations and restaurants on up to $1,000 in combined purchases each quarter, and 1% back on all other purchases.<\/p>\n\n\n\n<p>With this card, you don&#8217;t need to track or activate bonus categories \u2014 one less hassle for students just getting started with credit.<\/p>\n\n\n\n<p>Note that merely being a student doesn\u2019t guarantee approval, and since Discover is less accepted outside the U.S. than Visa or Mastercard, it\u2019s not an ideal companion for studying abroad.<\/p>\n\n\n\n<div class=\"wp-block-ugb-button ugb-button-wrapper ugb-0b0deaa ugb-main-block\"><style>.ugb-0b0deaa .ugb-button1{background-color:#c67f2d}.ugb-0b0deaa .ugb-button1 .ugb-button--inner,.ugb-0b0deaa .ugb-button1 svg:not(.ugb-custom-icon){color:#222222 !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-button-container\"><a class=\"ugb-button1 ugb-button ugb-button--size-normal\" href=\"https:\/\/www.discover.com\/credit-cards\/student\/chrome-card.html\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" title=\"\"><span class=\"ugb-button--inner\">Card Link<\/span><\/a><\/div><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-8-deserve-edu-mastercard-for-students\"><span id=\"8-deserve-edu-mastercard-for-students\"><strong>#8. Deserve EDU Mastercard for Students<\/strong><\/span><\/h3>\n\n\n\n<p><strong>Annual Fee: <\/strong>$0<br><strong>Regular APR:<\/strong> 18.74% Variable<strong><br>Intro APR:<\/strong> N\/A<\/p>\n\n\n\n<p>The Deserve\u00ae EDU Mastercard for Students&nbsp;can evaluate creditworthiness without either. For applicants with no credit file, the issuer can use its own underwriting criteria, considering factors such as your school, your major, your likelihood of graduating and becoming employed, and how much you have in the bank.<\/p>\n\n\n\n<p>International students without a Social Security number can apply with other documentation, such as a<a rel=\"noreferrer noopener\" href=\"https:\/\/thewealthcircle.com\/how-to-become-a-travel-agent-from-home\/\" target=\"_blank\"> <\/a><a href=\"https:\/\/thewealthcircle.com\/how-to-become-a-travel-agent-from-home\/\" target=\"_blank\" rel=\"noreferrer noopener\">visa,<\/a> passport, and certain school forms. <\/p>\n\n\n\n<p>The annual fee is $0, there\u2019s no foreign transaction fee, and the card even earns rewards: 1% cashback on all purchases.<\/p>\n\n\n\n<div class=\"wp-block-ugb-button ugb-button-wrapper ugb-3995803 ugb-main-block\"><style>.ugb-3995803 .ugb-button1{background-color:#c67f2d}.ugb-3995803 .ugb-button1 .ugb-button--inner,.ugb-3995803 .ugb-button1 svg:not(.ugb-custom-icon){color:#222222 !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-button-container\"><a class=\"ugb-button1 ugb-button ugb-button--size-normal\" href=\"https:\/\/www.deserve.com\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" title=\"\"><span class=\"ugb-button--inner\">Card Link<\/span><\/a><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-ugb-notification ugb-notification ugb-8852263 ugb-notification--v2 ugb-notification--design-bordered ugb-notification--type-info ugb-main-block\"><style>.ugb-8852263 .ugb-notification__item{background-color:#ffffff !important}.ugb-8852263 .ugb-notification__item:before{background-color:#ffffff !important}.ugb-8852263 .ugb-notification__title{color:#222222 !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-notification__item ugb-notification--new-icon ugb--shadow-4\"><h5 id=\"people-who-read-this-content-end-up-reading-how-do-credit-card-companies-make-money-2022-full-business-model-check-it-out\" class=\"ugb-notification__title\">People who read this content, end up reading <a href=\"https:\/\/thewealthcircle.com\/how-do-credit-card-companies-make-money\/\" target=\"_blank\" rel=\"noreferrer noopener\">How Do Credit Card Companies Make Money | 2022 Full Business Model<\/a> Check it Out<\/h5><\/div><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-9-united-explorer-card\"><span id=\"9-united-explorer-card\"><strong>#9. United Explorer Card<\/strong><\/span><\/h3>\n\n\n\n<p><strong>Annual Fee: <\/strong>$0 intro for the first year, then $95<br><strong>Regular APR:<\/strong> 16.49% &#8211; 23.49% Variable APR<strong><br>Intro APR:<\/strong> N\/A<\/p>\n\n\n\n<p>The United\u2120 Explorer Card has mass appeal, even for those who fly United only occasionally. You\u2019ll earn 2 miles per $1 spent on United purchases, but also at restaurants and on hotel stays when you book directly via the hotel.<\/p>\n\n\n\n<p>Also, the card offers a statement credit for the cost of a TSA Precheck or Global Entry application fee, 25% back on in-flight purchases, and it is unique among major U.S. airline credit cards in this price range \u2014 two free lounge passes per year. You&#8217;re eligible for a sign-up bonus, too.<\/p>\n\n\n\n<div class=\"wp-block-ugb-button ugb-button-wrapper ugb-53bbe43 ugb-main-block\"><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-button-container\"><a class=\"ugb-button1 ugb-button ugb-button--size-normal\" href=\"https:\/\/creditcards.chase.com\/travel-credit-cards\/united\/united-explorer\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" title=\"\"><span class=\"ugb-button--inner\"><strong>Card Link<\/strong><\/span><\/a><\/div><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\"><span id=\"conclusion\"><strong>Conclusion<\/strong><\/span><\/h2>\n\n\n\n<p>Getting the right credit cards depends on your goals, your spending habit, and your credit score. So, choose wisely. Also, I hope the above-listed low APR credit cards will help you know how it works and the one to go for.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-references\"><span id=\"references\"><strong>References<\/strong><\/span><\/h2>\n\n\n\n<div class=\"wp-block-ugb-icon-list ugb-icon-list ugb-icon--icon-star ugb-6328bcc ugb-icon-list--v2 ugb-main-block\"><style>.ugb-6328bcc li::before{background-image:url('data:image\/svg+xml;base64,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')}.ugb-6328bcc.ugb-icon-list ul{columns:1}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><ul><li><strong><a href=\"https:\/\/www.nerdwallet.com\/best\/credit-cards\/top-10\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Nerdwallet<\/a><\/strong><\/li><li><strong><a href=\"https:\/\/www.uswitch.com\/credit-cards\/low-apr-credit-cards\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Uswitch<\/a><\/strong><\/li><li><strong><a href=\"https:\/\/www.creditcards.com\/zero-interest\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Creditcards<\/a><\/strong><\/li><\/ul><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-recommendation\"><span id=\"recommendation\"><strong>RECOMMENDATION<\/strong><\/span><\/h2>\n\n\n\n<div class=\"wp-block-ugb-icon-list ugb-icon-list ugb-icon--icon-star ugb-96e7ac3 ugb-icon-list--v2 ugb-main-block\"><style>.ugb-96e7ac3 li::before{background-image:url('data:image\/svg+xml;base64,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')}.ugb-96e7ac3.ugb-icon-list ul{columns:1}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><ul><li><a href=\"https:\/\/thewealthcircle.com\/how-do-credit-card-companies-make-money\/\" target=\"_blank\" rel=\"noreferrer noopener\">How Do Credit Card Companies Make Money | 2022 Full Business Model<\/a><\/li><li><a href=\"https:\/\/thewealthcircle.com\/mileup\/\" target=\"_blank\" rel=\"noreferrer noopener\">Citi AAdvantage MileUp App Review 2022: Best Travel Rewards Credit Card?<\/a><\/li><li><a href=\"https:\/\/thewealthcircle.com\/paypal-credit-review\/\" target=\"_blank\" rel=\"noreferrer noopener\">PayPal Credit Review 2022: Pricing, Features, Legit or Scam<\/a><\/li><li><a href=\"https:\/\/thewealthcircle.com\/budget-categories\/\" target=\"_blank\" rel=\"noreferrer noopener\">Budget Categories In 2022: Easy Steps To Set Them Up Fast<\/a><\/li><\/ul><\/div><\/div><\/div>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"Do you have a credit card but the charges have made you dump it? You don&#8217;t need to&hellip;\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":20,"featured_media":4154,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[51],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.6 (Yoast SEO v22.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>9 Low APR Credit Cards | Check Out The Interests<\/title>\n<meta name=\"description\" content=\"Here are the low APR credit cards that will help you manage your debt by transferring an existing balance. #1. Discover It Cash Back #2. Citi Diamond Preferred Card... 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Discover It Cash Back #2. Citi Diamond Preferred Card... 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