Low Interest Credit Cards: Lowest Rates – August 2022


Compare Bankrate’s top low-interest credit cards

* 3% fee on the amounts transferred within the first 15 months.

A closer look at Bankrate’s top low-interest credit cards

Discover it Cash Back: Best for first-year rewards

  • What we love about the Discover it Cash Back card: With the Cashback Match™ feature, Discover will match all the cash back you’ve earned at the end of your first year. Furthermore, the first-year rewards from Cashback Match can be a true windfall, especially if you often maximize bonus categories.
  • Who this card is good for: Anyone who’s looking for a low-interest cash back card and is content with waiting for the new cardholder bonus.
  • Alternatives: If you want to earn cash back but don’t want to deal with the hassle of activating bonus categories every quarter, tracking spending restrictions, and modifying your spending patterns, the Petal® 2 “Cash Back, No Fees” Visa® Credit Card may be a better option than the Discover it Cash Back card.

Read our Discover it Cash Back review or jump back to offer details.

Chase Freedom Unlimited: Best for high earning potential

  • What we love about the Chase Freedom Unlimited card: It’s one of the cards that is qualified for Chase’s Pay Yourself Back feature, which allows you to redeem rewards for statement credits applied to eligible transactions. If you can maximize the higher-rate categories while remaining responsible with your spending, this low-interest card can pay out huge cash back dividends.
  • Who this card is good for: People interested in earning generous cash back on general purchases and in special higher-rate categories with no limits or spending caps.
  • Alternatives: If you don’t spend much on travel, dining out, or shopping at drugstores, a flat-rate cash back card like the Capital One Quicksilver Cash Rewards…

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