Best Low Interest Credit Cards 2021

The Sallie Mae Evolve℠ card offers 2.5% Cash Back on every purchase (for 12 months) and 1.25% Cash Back on all purchases thereafter. Plus, get an extra 25% on Cash Back rewards earned in two top spending categories each month.

The card offers 0% purchase and balance transfer APR for 15 months, then 12.99% - 24.99% (Variable APR).

The Sallie Mae Evolve℠ card has no annual fee.

The Blue Cash Everyday® Card from American Express offers strong, year-round cash back on crucial bonus categories like groceries and gas.

0% introductory plan fee on each purchase moved into a plan during the first 15 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

Your Card gives you the option to carry a balance with interest or pay in full each month. So, whether you're managing your monthly expenses or making a large purchase, you can have the payment flexibility you need while continuing to earn rewards.

You’ll be eligible for 20% back on purchases at Amazon.com on the card in the first 6 months (up to $150 back). Plus, earn $150 back after you spend $1,000 in purchases on your new card within the first 6 months.

When you use your Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory.

Stay in the know with exclusive access to ticket presales and Card Member-only events in a city near you. Check out Broadway shows and concert tours, family and sporting events, and more.

The U.S. Bank Visa® Platinum Card is a good 0% intro APR and balance transfer card.

On any balances you transfer over within the first 60 days of opening your account, you will pay 0% intro APR for 20 billing cycles on Balance Transfers (then 14.49% - 24.49%). In order to qualify for 0% APR on balance transfers, they must be made in the first two months of receiving the card.

Cardholders who pay their cell phone bill every month with the U.S. Bank Visa® Platinum Card will receive this benefit. Cell Phone Protection covers two incidents of cell phone damage or theft, with limits of $600 per incident with a $25 deductible.

U.S. Bank allows you to choose your payment due date, and offers access to your TransUnion credit score for free if you enroll in online banking. The U.S. Bank Visa Platinum also comes with fraud protection in case of any unusual activity on your account.

The American Express Cash Magnet® Card is one of the best cash back credit cards. You’ll earn Cash Back on every purchase at a flat rate of 1.5 % back, no matter what you buy. The card also carries a nice welcome bonus and no annual fee.

0% introductory plan fee on each purchase moved into a plan during the first 15 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 medical, legal, financial and other select emergency assistance and coordination services, such as medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers.

Stay in the know with exclusive access to ticket presales and Card Member-only events in a city near you. Check out Broadway shows and concert tours, family and sporting events, and more.

The Chase Freedom Unlimited® offers 0% introductory APR period (14.99% to 23.74% Variable after that) and a sign-up bonus that’s worth far more than most Cash-Back cards offer — all for an annual fee of $0.

My Chase PlanSM Fee is (monthly fee) of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan while in the 0% Intro Purchase APR period. After that, monthly fee of 1.72% of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan. The My Chase Plan Fee will be determined at the time each My Chase Plan is created and will remain the same until the My Chase Plan is paid in full.

The card offers 3% Cash Back on restaurants and drugstore purchases, 5% back on travel booked through Chase and 1.5% back on other purchases. Plus earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

The Citi Diamond Preferred Card comes with 0% introductory APR offer on both purchases and balance transfers, charges no annual fee and gives cardholders with excellent credit a chance at a relatively low ongoing APR.

The Citi Rewards+ card has no annual fee and you may be eligible for a 0 percent introductory APR offer for 15 months on purchases from the date of account opening, plus 0 percent for 15 months from the date of your first transfer on balance transfers made in your first four months (after that, a 13.49 percent to 23.49 percent variable APR applies, with a 3 percent or $5 minimum balance transfer fee, whichever is greater).

You’ll also earn 15,000 ThankYou points after spending $1,000 within your first three months as a new cardholder.

The card has a 3 percent foreign transaction fee. And if you might miss a payment due date, be aware of the up to $40 late payment and returned payment fees.

Platinum Card Wells Fargo has protection features such as Zero Liability protection for promptly reported unauthorized transactions, alerts, cell phone protection.

My Money Map tools help you to manage spending and create a budget with ease.

Access to your FICO® Credit Score with Wells Fargo Online.

The Bank of America Cash Rewards Card earns 3% Cash Back in a selected purchase category. Additionally, you’ll earn 2% at supermarkets and wholesale clubs, and 1% everywhere else. If you really want to max out your Cash Back rewards, you’ll need to qualify for a Bank of America Preferred Rewards membership. As a Preferred Rewards member, you can unlock an additional 25% to 75% Cash Back on your purchases.

The Bank of America Cash Rewards credit card offers a modest $200 Cash-Back bonus after spending $1,000 on purchases within the first 90 days of account opening.

New cardholders also enjoy 0% APR on purchases and balance transfers for the first 12 billing cycles. To qualify for 0% APR, balance transfers must be completed within 60 days of opening your new account.

The Bank of America Cash Rewards might be the right card to help you earn some Cash Back on the kinds of purchases you make every week.

The Quicksilver from Capital One credit card offers a flat 1.5% Cash Back on all purchases with a $0 annual fee. It also offers a 0% intro on purchases for 15 months, followed by the standard APR of 15.49% - 25.49% (Variable).

New cardholders will have the opportunity to earn a bonus: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

The Capital One Quicksilver card maintains its simplicity with redeeming rewards, too. Customers can request cash back at any amount, redeemable as a check or statement credit. Cardholders also have the option of setting up automatic redemptions, beginning with a $25 minimum cashout. You can also link your rewards account with Amazon.com to apply rewards towards Amazon purchases at a penny a piece in value.

Cardholders can also redeem rewards for gift cards at variable rates. Like the Amazon option, you’d be better off buying the gift card you need instead of redeeming rewards directly.

You’ll be able to snag exclusive travel and entertainment opportunities like pre-sale tickets through Capital One Access. Plus, you can access a variety of 24/7 services like travel assistance, roadside assistance and complimentary concierge assistance.

The Capital One VentureOne credit card provides moderate rewards with an unlimited 1.25 Venture Miles per dollar spent and a welcome bonus: Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel. It also offers a 0% intro on purchases for 12 months, 15.49% - 25.49% variable APR applies after that.

You’ll be given either a Visa Platinum or Visa Signature version of this card. The version you get will depend on your credit limit when approved: Visa Platinum cards are for credit limits less than $5,000, and Visa Signature is for $5,000 and above. The credit limit you get will depend on your creditworthiness when you apply.

You can book hotels, flights and rental cars using your Capital One miles by logging into capitalone.com and visiting the reward center.

You can also use your card to book travel reservations through another service or website and then redeem your miles for a statement credit to cover a wide range of travel purchases that you’ve made over the past 90 days. Only purchases that fall under the travel merchant code will qualify, but generally, it includes airlines, hotels, rental cars, cruises, limo services, timeshares and more.

If you don’t want to redeem your miles for travel, you can also cash them out in the form of a statement credit, check, gift cards, Amazon.com or PayPal purchases and more.

The Chase Freedom Flex card offers Cash Back in a wide variety of categories.

The Citi® Double Cash Credit Card offers a few concrete ways in which you can better your financial situation, improve your credit card habits and enjoy cash back rewards without the fuss of tracking rotating categories.

In order to receive an additional 1 percent cash back rewards for your purchases (on top of the automatic 1 percent cash back you earn), you must pay off the balance you owe.

In addition to being a cash back card, the Citi Double Cash doubles as a balance transfer credit card. The 18-month 0 percent introductory APR offer on balance transfers (13.99 percent to 23.99 percent variable APR after) is one of the longest balance transfer periods currently available. Keep in mind, if you take advantage of the offer, you’ll still owe either $5 or a 3 percent fee, whichever is greater. Additionally, balance transfers must be made in the first four months of account opening to qualify for the rate.

For reference, if you had $2,000 in credit card debt and transferred it to the Citi Double Cash, you could pay just over $111 a month for 18 months and completely wipe out your debt — all without paying a dime in interest. Bear in mind, you’d also owe a balance transfer fee.

The Citi Double Cash extends a myriad of security and fraud protections.Get $0 fraud liability, 24-hour fraud protection, Citi Identity Theft Solutions and Lost Wallet Service — meaning Citi will replace your lost card within 24 hours and provide you with emergency cash in the meantime.

Citi Entertainment gets you access to presale tickets, events and more, whether it be a music festival, professional football game or high-end restaurant experience.

The Discover it® Miles is a travel credit card.

Cardholders will automatically earn unlimited 1.5x miles per dollar spent on all purchases. There is no annual fee, no foreign transaction fees, no penalty APR and no first late payment fee (none the first time you pay late. After that, up to $40).

Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.

The card offers 0% Intro APR for 14 months on purchases and 10.99% APR for 14 months on balance transfers. Thereafter, the card’s standard purchase APR will apply (11.99% - 22.99% Variable).

The HSBC Gold Mastercard is a solid option for a credit card with 0 percent intro APR on purchases and balance transfers for the first 18 months (13.99 percent to 23.99 percent variable thereafter). This card also does not charge an annual fee, charges no penalty APR for missed payments and waives some late fees.

If your balance transfer exceeds your HSBC Gold Mastercard credit limit, your request may be canceled. You also need to make your transfer within 60 days of account opening and pay a balance transfer fee of $10 or 4 percent, whichever is greater.

The HSBC Gold also provides fraud protection, extended warranties up to an additional year, and coverage on most purchases up to $1,000 against accidental damage or theft for 90 days after the purchase. Plus, price protection will refund the difference if you make a purchase and find it advertised for less within 60 days of your purchase. In addition, you can see one of your FICO 8 Credit Scores for free with this card. This is based on your Equifax credit report.

Because it is a Mastercard, you’ll benefit from Mastercard Airport Concierge. With this perk, you’ll get a 15% discount on Airport Meet and Greet services. Airport concierges are available to escort you through the terminal, and may make your trip through security or immigration faster.

Petal 2 has no fees of any kind and is designed to help you build credit.

Grow your credit score with responsible spending and on-time payments.

Get 1% cash back right away. Earn up to 1.5% when you pay on time. Plus 2% - 10% bonus cash back at select merchants.

Freeze your card at any time to protect your account. And rest easy knowing your data is safe and encrypted.