The 8 Best Low Interest Credit Cards of November 2022

Credit cards can be an excellent way to front the money you need for purchases (and earn some rewards in the process). However, dealing with credit cards means working around their biggest downside — interest.

Low-interest credit cards can help solve this problem — and so can paying off your credit card balance every month. Low-interest credit cards feature lower-than-average interest rates, alongside powerful rewards and benefits. Some of the rewards include savings on streaming services, travel perks and cash back on groceries, entertainment and retail therapy.

The best low-interest credit cards start customers at 0% APR for at least 15 months and we’ve found some that extend that to 18 months on purchases and 21 months on balance transfers. After that sweetheart period is over, you’ll be saddled with interest. So what you want to look for is the variable APR, which is what the interest will be after the introductory period. The better your credit score, the lower APR you can get.

The Best Low-Interest Credit Cards

  • Blue Cash Everyday Card: Best for Streaming Savings
  • Discover it Cash Back: Best Sign-up Bonus
  • Chase Freedom Unlimited: Best for Overall Cash Back
  • Capital One Quicksilver Cash Rewards: Best for International Travel
  • Wells Fargo Reflect: Best for Long 0% Intro APR
  • Chase Freedom Flex: Best for Cash Back Variety
  • Citi Diamond Preferred: Best for Balance Transfers
  • Bank of America Travel Rewards: Best for Travel Rewards

Blue Cash Everyday Card

Best for Saving on Streaming Costs

Key Features

  • 15 months 0% APR
  • Up to $250 statement credit
  • 3% cash back on groceries

With the American Express Blue Cash Everyday Card, users get 0% APR and 3% cash back on select categories for no annual fee. After 15 months, the variable APR sets to 16.99%-27.99%, depending on your creditworthiness. There’s also a new member offer of $100 cash, plus up to $150 back when the card is used to check out with PayPal. As an added bonus, users can…

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