Best Low-Interest Credit Cards

Here are the best credit cards with low-interest rates.

With so many credit card options available, it can be a challenge to find a card that best fits your particular needs — and one that has low-interest rates. Some cards offer huge value — like travel rewards — but not every credit card program is right for your situation and spending style. GOBankingRates identified the best low-interest credit cards based on the following criteria:

  • APR
  • Bonus features
  • Fees

Compare the features and details of the best low-interest rate credit cards to figure out which card might be best for you.

Best Low-Interest Credit Cards
Low-Interest Credit CardAnnual FeeAPR
Capital One VentureOne Rewards$00% on purchases for the first 12 months, then 13.74%-23.74%
Discover it Cash Back$00% for 14 months, then 13.49%-24.74%
BankAmericard Cash RewardsBank of America Cash Rewards$00% on purchases for 12 billing cycles, then 14.99%-24.99%

 

Capital One Venture Rewards Credit CardCapital One Venture Rewards$0 for the first year, then $95 per year14.74%-24.74%
Citi Diamond Preferred Card$00% for 12 months on purchases, 0% for 21 months on balance transfers, then 14.74%-24.74%
The Amex EveryDay Credit Card from American Express$00% for 15 months, then 14.74%-25.74%
Citi Double Cash Card$00% on balance transfers for 18 months, then 15.24%-25.24%
Citi Simplicity CardCiti Simplicity$00% for 18 months on purchases and balance transfers, then 15.74%-25.74%
Chase Freedom Unlimited Credit Card: $150 BonusChase Freedom Unlimited$00% for 15 months on purchases and balance transfers, then 16.49%-25.24%
Wells Fargo Platinum Visa$00% for 18 months on purchases and balance transfers, then 16.90%-26.74%

Related: Best Business Credit Card Offers

Capital One VentureOne Rewards Credit Card

When you compare credit cards, the VentureOne Rewards card is a good choice for travelers. Benefits include:

  • 20,000 bonus miles when you spend $1,000 on purchases in the first three months
  • 1.25 miles per dollar on every purchase, with no limit
  • 10 points per dollar at some hotels

Discover it Cash Back

This card matches all the cash back you earn in your first year, but you do have to make the effort to activate those rewards. Other Discover it features include:

  • 5 percent cash back, up to the quarterly maximum, on different categories of merchants
  • Categories change each quarter, and you have to activate this reward

Bank of America Cash Rewards Credit Card

With the Cash Rewards card from Bank of America, you receive these rewards:

  • $150 cash reward bonus when you spend at least $500 on purchases in the first 90 days with this card
  • 10 percent bonus on your cash back when you deposit it into your Bank of America checking or savings account

Maximize Benefits: Credit Card Companies That Offer High-Yield Savings Accounts

CapitalOne Venture Rewards Credit Card

The Venture Rewards card is also good for travel:

  • 50,000-mile bonus when you charge at least $3,000 during the first 90 days
  • Two miles for every dollar you spend, with no limit

Citi Diamond Preferred Card

This card lets you pay no interest on transferred balances for 21 months. Other Diamond Preferred card benefits include:

  • $0 liability on unauthorized charges
  • Free access to your FICO score
  • Citi Price Rewind, which checks for lower prices on items you buy within 60 days of your purchase

Amex EveryDay Credit Card

Benefits of the Amex EveryDay card include:

  • 10,000 membership rewards points bonus when you spend $1,000 in the first three months
  • 20 percent bonus on your points every time you use your card for purchases 20 or more times in a billing cycle

Citi Double Cash Card

If you have a balance to transfer and want cash back, consider this card. The Double Cash card from Citi offers:

  • 0 percent interest on your transferred balances for 18 months
  • 1 percent cash back when you make a purchase, and another 1 percent cash back when you pay for that purchase
  • No limit to how much cash back you can earn

Find Out: Best Cash-Back Credit Cards

Citi Simplicity Card

The Simplicity card is a good choice if you’re a bit forgetful. You’ll get benefits including:

  • Never charged a late fee or a penalty rate
  • Your choice of due date so it’s at a time that’s convenient for you

Chase Freedom Unlimited

Features of the Freedom Unlimited card include:

  • 1.5 percent cash back on every purchase
  • $150 cash back bonus when you spend $500 in the first three months

Wells Fargo Platinum Visa Card

With this Wells Fargo card, you get:

  • Up to $600 in protection against damage or theft of your cellphone, after a $25 deductible, when you use the card to autopay your monthly cellphone bill
  • Free access to your FICO credit score

Consider how you will use a new card, then compare the features to find the best credit card for you. With so many cards available, you’re sure to find one that fits your specific spending habits.

Up Next: 15 Best Credit Union Credit Cards

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Methodology: GOBankingRates assessed information about low-interest credit cards, including sourcing information from the credit card and financial institution provider websites as of July 5, 2018. To comprise this list of the best low-interest credit cards of 2018, GOBankingRates considered the following factors: (1) APR; (2) bonus features; (3) annual fee to keep the card open. 

GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack Inc., an online marketing company serving top-tier banks, credit unions, and other financial services organizations. Some companies mentioned in this article might be clients of ConsumerTrack Inc., which serves more than 100 national, local and online financial institutions. Rankings and roundups are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved, or otherwise endorsed by the companies included in the article.