Roundup: Credit Cards with Really Low APRs

[Update: Some offers mentioned below have expired. For current terms and conditions, please see card agreements.]

There are several credit cards on the market that offer zero percent intro APRs for a time period. But if you're planning to stay with a card for the long haul, eventually you're going to end up with the go-to rate, also called the regular purchase APR.

Right now, there are some credit cards that offer ridiculously low regular APRs. If you have excellent credit and you're not looking for rewards, take a look at these cards. You'll like what you see.

IBERIABANK Visa Classic

Here's a no-frills card that offers a variable APR starting as low as 7.25 percent. The approval process is pretty thorough so be prepared to provide proof of employment.

• Other perks: You get a 1.99 percent intro APR for six months on balance transfers. There's no annual fee. You also get benefits such as travel emergency service and auto rental collision damage waiver.

At publishing time, the IBERIABANK Visa Classic is offered on Credit.com product pages and Credit.com is compensated if our users apply for and ultimately sign up for the card. However, this relationship does not result in ANY preferential editorial treatment.

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First Tennessee Platinum Premier Visa

This card has a fixed 3.9 percent intro APR for the first six months. After that, the variable APR starts as low as 5.15 percent.

• Other perks: Credit lines start at $5,000 and there's no annual fee. You also get $1,000,000 travel accident insurance.

Simmons First Visa Platinum

This is a solid credit card that offers a variable APR starting as low as 7.25 percent. If you don't have a credit score higher than 750, though, don't apply.

• Other perks: There isn't a fee for balance transfers if you use the online application. There's also no annual fee. You get $1,000,000 travel accident insurance.

At publishing time, the Simmons First Visa Platinum is offered on Credit.com product pages and Credit.com may be compensated if our users apply for and ultimately sign up for the card. However, this relationship does not result in ANY preferential editorial treatment.

Image by kenneoh, via Flickr