7 Best Low-Interest Credit Cards – December 2018

If you don’t do your research, you might end up with a high-interest credit card. Low-interest credit cards offer certain flexibility and will also make you save some bucks at the end of each year. They also provide extra benefits such as cash back and bonus points.

Here are the seven best low-interest credit cards you should apply to:

1) Blue Cash Preferred American Express

• Earn $250 after spending at least $1,000 within the first three months
• 6% cash back at US supermarkets; 3% cash back at gas stations; 1% cash back on all other purchases
• 0% intro APR on purchases and balance transfers for 12 months; then it’s 14.99% to 25.99%
• Car rental loss and damage insurance
• Fraud protection

2) Capital One Quicksilver Cash Rewards

• 1.5% cash back on all purchases
• Earn $150 after spending at least $500 within the first three months
• No annual fee
• No foreign transaction fees
• 14.74-24.74% variable APR
• Redeem any amount, any time

3) Discover it Cash Back

•  Discover will match all the cashback you’ve earned at the end of your first year
• 5% cash back at specific categories such as Amazon.com, restaurants, and grocery stores.
• 1% cash back on everything else
• No annual fee
• 0% intro APR on purchases and balance transfers for 14 months; then it’s 13.99% – 24.99%

4) Chase Freedom

• No annual fee
• 0% intro APR on purchases and balance transfers for 15 months; then it’s  16.99-25.74%.
• 5% cash back on specific categories each quarter
• 1% cash back on everything else
• Free credit score
• Earn $150 bonus after spending $500 on purchases within the first three months

5) Citi Double Cash

• 1% cash back on all purchases
• No annual fee
• Earn cash back twice on every purchase
• 0% intro APR on balance transfers for 18 months, then it’s 15.49% – 25.49%
•  No limit on how much you can earn

6) HSBC Gold Mastercard

•  0% intro APR on purchases and balance transfers for 18 months, then it’s  12.99%, 16.99% or 20.99%
• No penalty APR
• No foreign transaction fees
• No annual fee
• $0 liability for unauthorized purchases

7) Capital One VentureOne Rewards

• Earn 20,000 bonus miles after spending at least $1,000 within the first three months
• 1.25x miles on every purchase
• No annual fee
• 0% intro APR for 12 months on purchases, then it’s 3.74% – 23.74%.
• No foreign transaction fees
• No balance transfer fees
• Travel accident insurance
•  Extended warranty
•  Rental car coverage

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