There are many credit card options in the market, with a wide variety of benefits and charges. Some issuers offer great 0% intro APR periods, low rates, and additional benefits, while others may charge a high APR rate – which can reach 30% or more. This is why it is essential to research before applying for a credit card.
Here are the ten best low interest credit cards:
1) Citi Simplicity Card
- 0% intro APR on purchases and balance transfers for 21 months, then it’s 16.24%-26.24%, depending on your creditworthiness
- No late fees
- No penalty rates
- No annual fee
- 3% foreign transaction fee
- 5% cash advance fee
2) U.S. Bank Visa Platinum Card
- No annual fee
- 0% intro APR on purchases and balance transfers for 20 months, then it’s 14.74%-25.74%
- Cell phone protection
- Fraud protection
- Choose your payment date
- 24/7 account access
3) Chase Freedom
- 0% intro APR on purchases and balance transfers for 15 months, then it’s 17.24-25.99%
- No annual fee
- 5% cash back in bonus categories, 1% cash back on all other purchases
- Contactless – just tap to pay
- Earn a $150 cash bonus after spending at least $500 on purchases within the first 3 months
4) Wells Fargo Propel American Express Card
- No annual fee
- Points do not expire
- 0% intro APR on purchases and balance transfers for 12 months, then it’s 16.24-27.24%
- No foreign currency conversion fees
- Earn 30,000 bonus points after spending at least $3,000 in purchases within the first 3 months
- 3 points per dollar spent on gas, flights, hotels, car rentals, and other selected categories
- 1 point per dollar spent on all other purchases
5) BankAmericard Credit Card
- No annual fee
- Free FICO score
- 0% intro APR on purchases and balance transfers for purchases and for any balance transfers made within 60 days of opening your account, then it’s 15.24% to 25.24%.
- No penalty APR
- $0 Liability Guarantee
6) Capital One VentureOne Rewards Credit Card
- $0 intro annual fee, then it’s $95 after that
- Earn 50,000 miles after spending $3,000 on purchases within the first 3 months
- 2 points per $1 spent on every purchase
- No foreign transaction fees
- 17.99-25.24% variable APR
7) Capital One QuickSilver Cash Rewards Card
- No annual fee
- 1.5% cash back on all purchases
- Enjoy a $150 cash bonus after spending at least $500 on purchases within the first 3 months
- 0% intro APR on purchases and balance transfers for 15 months, then it’s 16.24-26.24%
- No foreign transaction fees
- Extended warranty
- Travel accident insurance
- Auto rental collision damage waiver
8) PenFed Promise Visa Card
- No penalty APR
- 4.99% intro APR for 12 months, then it’s 11.99-17.99%, based on your creditworthiness
- Earn a $100 statement credit after spending at least $1,500 within the first three months
- No cash advance fees
- No balance transfer fees
9) Discover it Balance Transfer
- No annual fee
- 0% intro APR on purchases for 6 months; 0% intro APR on balance transfers for 18 months – then it’s 14.24-25.24%
- No foreign transaction fees
- 5% cash back in certain bonus categories
- 1% cash back on all other purchases
10) American Express Cash Magnet Card
- Earn a $200 bonus after spending at least $1,000 in purchases within the first 3 months
- No annual fee
- 0% intro APR on purchases and balance transfers for 15 months, then it’s 15.24-26.24%
- 1.5% unlimted cash back on purchases
- Accepted at over 1.5 million more places in the US.
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