BEST LOW INTEREST CREDIT CARDS
NOVEMBER 2019

Discover the best low-interest credit cards and find a suitable low-interest card for your needs.

UPDATED FOR NOVEMBER 2019
SCORE
FEATURES
MIN CREDIT SCORE
9.8

  • Intro APR: 0%* on purchases and balance transfers for 20 billing cycles*
  • Regular APR:14.24% - 25.24% Variable APR
  • Annual Fee: $0
690

U.S. Bank Visa® Platinum Card

  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.24% - 25.24%
  • Great offer from U.S. Bank, a 2019 World's Most Ethical Company® - Ethisphere Institute, February 2019
  • No Annual Fee*
  • Flexibility to choose a payment due date that fits your schedule
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
9.5

  • Intro APR: 0% APR for first 18 months
  • Regular APR: 14.24% - 25.24% Variable APR
  • Annual Fee $0
690

Discover it® Balance Transfer

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
9.0

  • Intro APR: 0% Introductory APR on credit card purchases and balance transfers for the first 18 months from account opening.
  • Regular APR: 12.99% - 20.99%, Variable
  • Annual Fee: $0
690

HSBC Gold Mastercard®

  • 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99% - 20.99% will apply.
  • No Penalty APR.
  • Late Fee Waiver.
  • No Foreign Transaction Fees.
  • $0 Annual Fee.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
8.5

  • Intro APR: 0% Intro on Purchases and Balance Transfers for 15 months
  • Regular APR: 14.74% - 25.74% Variable APR
  • Annual Fee: $0
690

Amex EveryDay® Credit Card

  • Earn 20% Extra Points - Use your Card 20 or more times on purchases in a billing period and get 20% more points on those purchases less returns and credits.
  • 2X Points at U.S. supermarkets on up to $6,000 per year in purchases (then 1X).
  • Earn 10,000 Membership Rewards® Points after you spend $1,000 in qualifying purchases on the Card within your first 3 months of Card Membership.
  • $0 Balance Transfer Fee.¤ Balance transfers must be requested within 60 days of account opening.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable APR, 14.74% to 25.74%.
  • No Annual Fee.
  • Terms Apply.
7.5

  • Intro APR: 0% Intro APR for 12 months on Purchase and Balance Transfers
  • Regular APR: 15.15% - 25.15% Variable APR
  • Annual Fee: $0
630

Amalgamated Bank of Chicago Platinum Rewards Mastercard® Credit Card

  • 0% Intro APR on Purchases and Balance Transfers for 12 months; after that the variable APR will be 15.15% - 25.15%, based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee or Foreign Transaction Fee
  • Select Your Rewards Your Way

Joe Schwartz

Credit Cards Editor

Our chief content editor, Joe manages a diverse team of content writers. He holds a degree in online communications and his writing has been featured in a wide range of online publications.

FAQ's About Credit Cards

Despite the fact that credit cards are extremely common and easy to use, there are many features and conditions which may be new to some people. If you're looking for more information on credit cards check out our credit card FAQs to learn more.

Before committing to a credit card, ask yourself why you need this? You will want to analyze your spending habits and ensure you can make your monthly payments on time to avoid penalty fees. Areas to consider when comparing credit cards include APR, annual fees, loyalty schemes, introductory offers, and cashback.
You may want to apply for a new credit card if you feel your current card does not deliver the best results. Whether a lack of rewards, high-interest rates, or an unpleasant annual fee in which you do not receive any benefits. Many companies reward their customers for spending so ensure you are receiving yours. You may receive offers for better deals elsewhere and wish to take advantage of their generous sign-up bonuses.
For your convenience, the internet provides an excellent source for comparing almost anything these days. If unsure which credit card is best for you, simply browse the web for comparison sites which will outline the top credit cards on the market and their features. This allows you to explore what applies to your needs and which option will be most beneficial for you and your spending.
Generally, there is no legal limit on the number of credit cards an individual can have. However, owning too many may flag a warning sign for some issuers. It's best advised to look at your financial situation and only open up a credit card if you essentially need to, as having too many may affect your credit score.
Some companies have a high approval rate, even for those with low credit. These secured credit cards allow individuals to build up damaged credit by responsibly spending and making all of their repayments on time. Look for issuers specifically for this reason.
When applying for a credit card, you should consider the available benefits such as an introductory offer, cash back on purchases, discounts, rewards, and insurance options. For those who enjoy travel, many credit card issuers offer air travel miles, flight extras, or hotel points for complimentary nights.
APR stands for annual percentage rate and refers to the annual interest rate charged on your credit card. Actual APR numbers vary but will usually cap at around 25%. The APR of your credit card will depend on various factors such as credit score, income, and financial history.
All credit cards have an APR, annual percentage rate. This refers to the interest rate that applies to your monthly statements. If you have any balance on your credit card and carry it over to the next month, your APR will be applied, and you will be charged accordingly. APR differs for every credit card issuer and each application, depending on contributing factors such as credit scores.