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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