Top 10 Credit Cards With Low Interest Rates

There are a couple of factors to look at when looking for a new credit card, mainly the annual percentage rate (APR) and whether it has an introductory 0% period, and if so for how long. Let’s look at the top 10 credit cards currently available.

HSBC Gold Mastercard®

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

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. When using this card, you can earn 1.25 miles per dollar on all purchases. There is also a new cardholder bonus of 20,000 miles once you spend $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 both purchases as well as balance transfers. Every quarter, this card gives you 5% cash back at different locations, like gas or the grocery store. They will also match your cash back amount at the end of the first year.

Barclaycard Ring® Mastercard®

The Barclaycard Ring® Mastercard® has a 13.99% variable interest rate. This card also has 0% APR for 15 months on balance transfers made within the first 45 days of the account. There is no annual fee as well as no fee 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% cash back on every purchase you make. New card members are offered a $150 cash bonus if $500 is purchased using 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. It has no annual fee and you are provided free access to your FICO scores.

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express has interest rates from 14.99% to 25.99% APR. This card also offers 0% APR for 15 months on both purchases and balance transfers. It has a cash back welcome offer that gives you $150 (as a statement credit) after you spend $1,000 within three months.

American Express Cash Magnet™ Card

The American Express Cash Magnet™ Card has interest rates from 14.99% to 25.99% APR. This card also offers 0% APR for 15 months on both purchases and balance transfers. You can earn up to $250 cash back with this card, which shows up 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 comes available when you spend an additional $6,500 in the following nine months.

BankAmericard®

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

Bank of America® Cash Rewards

The Bank of America® Cash Rewards credit card has interest rates from 15.24% to 25.24% APR. This card also offers 12 months on purchases and balance transfers. The balance transfers must be made in the first 60 days. It gives cash back on all purchases, giving 2% for grocery stores and wholesale clubs, 3% for gas and 1% for all the rest of your purchases. There is no annual fee, and you can earn $200 if you make at least $500 in purchases in the first 90 days.