Low Interest Credit Cards
Best Low Interest Credit Cards of November 2024
Choosing a credit card is an important task that should not be taken lightly. You must consider your lifestyle as well as your financial condition before selecting one. For this month, many cards stand out due to their unique offerings. However, we found low-interest credit cards most appealing. For instance, they’re the best option for significant savings. Secondly, they help you pay off your debt faster. And last but not least, you have more financial flexibility.
As for which credit cards to buy, that’s where this guide comes in. Here, we’ve discussed everything you need to know about the best low-interest credit cards of 2024. The reviews are based on our experts’ opinions, and other factors do not influence them. If you have additional questions about the cards, feel free to let us know. We will get back to you as soon as we can.
Now, let’s discuss the credit cards. Make sure to read the reviews carefully, as they may prove significant in helping you make your decision.
Our Top Recommendations Based on Your Preferences
Which Are the Best Low Interest Credit Cards of July 2024?
Discover it® Cash Back
Our Rating:
4.6
Rewards Rate
5%
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
1%
Plus, earn unlimited 1% cash back on all other purchases - automatically.
Annual fee
$0
Balance transfer intro APR
0% for 15 months
Regular APR
18.24% - 28.24% variable
at Discover's secure site
Recommended credit
670-850 (Good to Excellent)
Highlights
- 5% cash back on rotating quarterly categories (up to a quarterly maximum).
- 1% cash back on all other purchases.
- Unlimited cash-back match at the end of the first year.
- No annual fee.
- 0% intro APR on purchases and balance transfers for 15 months.
Blue Cash Everyday® Card from American Express
Our Rating:
4.8
Rewards Rate
3%
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3%
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3%
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
1%
1% Cash Back on other purchases.
Annual fee
$0
Balance transfer intro APR
0% on balance transfers for 15 months
Regular APR
19.24% - 29.99% variable
at American Express's secure site
Recommended credit
670-850 (Good to Excellent)
Highlights
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
- 2% cash back at U.S. gas stations and select department stores.
- 1% cash back on other purchases.
- No annual fee.
- 0% intro APR on purchases for 15 months.
Citi Rewards+® Card
Our Rating:
3.9
Rewards Rate
5X
Special offer: earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
2X
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
1X
Earn 1X ThankYou® Points on All Other Purchases.
Annual fee
$0
Balance transfer intro APR
0% intro for 15 months on Balance Transfers
Regular APR
18.74% - 28.74% variable
at Citi's secure site
Recommended credit
670-850 (Good to Excellent)
Highlights
- 2x points at supermarkets and gas stations.
- 1x points on other purchases.
- 10% back on the first $10,000 spent annually.
- No annual fee.
- Points are rounded up to the nearest 10.
Citi® Diamond Preferred® Card
Our Rating:
3.9
Rewards Rate
This card doesn't offer cash back, miles, or points
Annual fee
$0
Balance transfer intro APR
0% for 21 months on Balance Transfers
Regular APR
18.24% - 28.99% variable
at Citi's secure site
Recommended credit
670-850 (Good to Excellent)
Highlights
- 0% intro APR on balance transfers and purchases for 21 months.
- No annual fee.
- Standard variable APR applies after the intro period.
- No rewards program.
- Access to FICO® Credit Score.
Discover it® Miles
Our Rating:
4.1
Rewards Rate
1.5X
Automatically earn unlimited 1.5x Miles on every dollar of every purchase.
Annual fee
$0
Balance transfer intro APR
0% Intro APR for 15 months
Regular APR
18.24% - 28.24% variable
at Discover's secure site
Recommended credit
670-850 (Good to Excellent)
Highlights
- 5x miles on all purchases.
- Unlimited miles that never expire.
- No annual fee.
- 0% intro APR on purchases for 15 months.
- Miles can be redeemed as cash back or travel credits.
Upgrade Cash Rewards Visa®
Our Rating:
3.0
Rewards Rate
1.5%
Earn 1.5% unlimited cash back on card purchases every time you make a payment
Annual fee
$0
Balance transfer intro APR
N/A
Regular APR
14.99% - 29.99% APR
at Upgrade's secure site
Recommended credit
580-740 (Fair to Good)
Highlights
- 5% cash back on all purchases.
- No annual fee.
- Offers a line of credit with monthly payments.
- 0% intro APR on purchases and balance transfers for 12 months.
- Standard variable APR applies after the intro period.
Chase Freedom Unlimited®
Our Rating:
5.0
Rewards Rate
5%
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.
3%
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.
1.5%
1.5% cash back on all other purchases.
Annual fee
$0
Balance transfer intro APR
0% Intro APR on Balance Transfers for 15 months
Regular APR
20.49% - 29.24% variable
at Chase's secure site
Recommended credit
670-850 (Good to Excellent)
Highlights
- 5% cash back on all purchases.
- 3% cash back on dining and drugstore purchases.
- 5% cash back on travel purchased through Chase Ultimate Rewards®.
- No annual fee.
- 0% intro APR on purchases and balance transfers for 15 months.
Best Low Interest Credit Cards - FAQs
A low-interest credit card offers a lower annual percentage rate (APR) compared to standard credit cards. This means you’ll pay less in interest on any outstanding balances, making it easier and more affordable to carry a balance from month to month.
You’ll generally need a good to excellent credit score to qualify for a low-interest credit card. Lenders also consider your income, credit history, and overall financial health. It’s best to check your credit score and review your credit report before applying.
While low-interest credit cards often come with lower APRs, they may still have fees such as annual fees, balance transfer fees, or foreign transaction fees. Be sure to read the terms and conditions of each card to understand all associated fees.
Our Methodology And Research
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Banks
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Criteria Used
Rates and fees, rewards rates, sign-up bonuses, redemption options, credit needed, miscellaneous benefits, customer service, security, ease of application.