Top 10 Credit Cards With Low-Interest Rates

best buy credit card

There are a few factors to consider when looking for a new credit card, primarily the Annual Percentage Rate (APR) and if it has a 0% introductory period, and if so for how long. Let’s take a look at the top 10 credit cards currently available.

HSBC Gold Mastercard® card

The HSBC Gold Mastercard® credit card is currently the card with the lowest interest rate available, ranging from 12.74% to 20.74% APR. This card also offers 0% APR for 18 months, on purchases as well as on balance transfers. It also offers travel benefits, no annual fees, one waiver of late payment per year, and no APR penalties.

Capital One® VentureOne® Rewards

The Capital One® VentureOne® Rewards credit card has interest rates ranging from 13.74% to 23.74% APR. This card has 0% APR for 12 months, on purchases only. By using this card, you can earn 1.25 miles per dollar on all purchases. There is also a new bonus of 20,000 miles for the cardholder once you have spent $ 1,000 on the new card in the first three months.

Discover it® Cash Back

The Discover it® Cash Back has interest rates ranging from 13.74% to 24.74% APR. This card has 0% APR for 14 months, on purchases as well as on balance transfers. Each quarter, this card gives you 5% cashback at different places, like gas or groceries. They will also match the amount of your cashback at the end of the first year.

Barclaycard Ring® Mastercard®

The Barclaycard Ring® Mastercard® has a variable interest rate of 13.99%. This card also has 0% APR for 15 months on balance transfers made within the first 45 days of the account. There are no annual fees or fees on international transactions.

Capital One® Quicksilver® Cash Rewards

The Capital One® Quicksilver® Cash Rewards credit card has interest rates ranging from 14.74% to 24.74%. This card also has 0% APR for 15 months on purchases and balance transfers. This card gives you 1.5% cashback on every purchase you make. New members are offered a $ 150 cash bonus if $ 500 is purchased with the card in the first three months.

Citi® Diamond Preferred® Card

The Citi® Diamond Preferred® card has interest rates ranging from 14.99% to 24.99% APR. This card also offers 0% APR for 12 months on purchases and 21 months for balance transfers. There is no annual fee and you have free access to your FICO scores.

American Express Blue Cash Everyday® Card

The American Express Blue Cash Everyday® card has interest rates of 14.99% to 25.99% APR. This card also offers 0% APR for 15 months on purchases and balance transfers. It has a welcome cashback offer that gives you $ 150 (as a statement credit) after spending $ 1000 within three months.

American Express Cash Magnet ™ card

The American Express Cash Magnet ™ card has interest rates of 14.99% to 25.99% APR. This card also offers 0% APR for 15 months on purchases and balance transfers. You can earn up to $ 250 in cashback with this card, which appears as a credit on your statement. The first $ 150 is earned when you spend at least $ 1,000 in the first three months, and the remaining $ 100 is available when you spend an additional $ 6,500 in the following nine months.

BankAmericard®

The BankAmericard® credit card has interest rates of 14.99% to 24.99% APR. This card also offers 0% APR for 18 months on purchases and balance transfers. It has no annual fee, no APR payment penalty and gives you access to your FICO score.

Bank of America® Cash Rewards

The Bank of America®’s Cash Rewards credit card has interest rates of 15.24% to 25.24% APR. This card also offers 12 months on purchases and balance transfers. Balance transfers must be made within the first 60 days. It offers cashback on all purchases – 2% for grocery stores and wholesale clubs, 3% for gasoline, and 1% for everything else you buy. There is no annual fee and you can earn $ 200 if you make at least $ 500 in purchases within the first 90 days.

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