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Best Low Interest Cards

If you think you may not be able to pay off your balance in full every month, then it makes no sense to get a rewards card. Because interest rates are so high on rewards cards (averaging between 19.99% and 23.99%), any rewards you get will be offset by even a low amount of interest paid.

Last Updated: 14 Aug, 2018
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Credit Card
Annual Reward Value
Signup Bonus
Annual Fee
Interest Rate
BT Rate
Min. Credit Score
 
Annual Reward Value
Signup Bonus
$0.00
Annual Fee
$0.00
Interest Rate
19.90%
BT Rate
None
Min. Credit Score
660
Annual Reward Value
Signup Bonus
$0.00
Annual Fee
$0.00
Interest Rate
19.99%
BT Rate
0.00%
Min. Credit Score
660
Annual Reward Value
Signup Bonus
$0.00
Annual Fee
$0.00
Interest Rate
5.99%
BT Rate
None
Min. Credit Score
660
Annual Reward Value
Signup Bonus
$50.00
Annual Fee
$0.00
Interest Rate
19.99%
BT Rate
21.99%
Min. Credit Score
560
Annual Reward Value
Signup Bonus
$0.00
Annual Fee
$0.00
Interest Rate
19.99%
BT Rate
22.99%
Min. Credit Score
660
Annual Reward Value
Signup Bonus
$0.00
Annual Fee
$0.00
Interest Rate
19.99%
BT Rate
22.99%
Min. Credit Score
660
Annual Reward Value
Signup Bonus
$0.00
Annual Fee
$0.00
Interest Rate
19.99%
BT Rate
22.99%
Min. Credit Score
650
Annual Reward Value
Signup Bonus
$0.00
Annual Fee
$0.00
Interest Rate
19.99%
BT Rate
22.99%
Min. Credit Score
680
Annual Reward Value
Signup Bonus
$0.00
Annual Fee
$0.00
Interest Rate
19.99%
BT Rate
22.99%
Min. Credit Score
680
Annual Reward Value
Signup Bonus
$0.00
Annual Fee
$0.00
Interest Rate
19.97%
BT Rate
0.97%
Min. Credit Score
725
Annual Reward Value
Signup Bonus
$0.00
Annual Fee
$0.00
Interest Rate
19.97%
BT Rate
0.97%
Min. Credit Score
725
Annual Reward Value
Signup Bonus
$0.00
Annual Fee
$0.00
Interest Rate
19.97%
BT Rate
0.97%
Min. Credit Score
660
Annual Reward Value
Signup Bonus
$0.00
Annual Fee
$0.00
Interest Rate
17.99%
BT Rate
17.99%
Min. Credit Score
660
Sponsored
Annual Reward Value
Signup Bonus
$0.00
Annual Fee
$0.00
Interest Rate
19.95%
BT Rate
3.00%
Min. Credit Score
725
Sponsored
Annual Reward Value
Signup Bonus
$0.00
Annual Fee
$39.00
Interest Rate
19.99%
BT Rate
1.99%
Min. Credit Score
640
Annual Reward Value
Signup Bonus
$0.00
Annual Fee
$40.00
Interest Rate
9.90%
BT Rate
None
Min. Credit Score
660
Annual Reward Value
Signup Bonus
$0.00
Annual Fee
$40.00
Interest Rate
9.90%
BT Rate
None
Min. Credit Score
760
Annual Reward Value
Signup Bonus
$0.00
Annual Fee
$40.00
Interest Rate
9.90%
BT Rate
None
Min. Credit Score
760
Annual Reward Value
Signup Bonus
$0.00
Annual Fee
$40.00
Interest Rate
9.90%
BT Rate
None
Min. Credit Score
760
Annual Reward Value
Signup Bonus
$25.00
Annual Fee
$42.00
Interest Rate
19.99%
BT Rate
21.99%
Min. Credit Score
760
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Low interest cards often have no rewards or incentives for use, other than just being a credit card. However, with interest rates substantially lower than rewards cards, you could potentially save more money with a low interest card than you would earn with a rewards card.

Be careful though – if you start missing payments, the interest rate will increase! Some cards may even have higher interest rates after missing a couple payments than a rewards card.

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