Low Interest Points Credit Cards
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While there will usually be at least a few available offers that meet the criteria of a low interest points credit card (i.e. a credit card with a regular interest rate below 13% offering rewards points for every dollar spent), you must carefully consider whether such a card will actually serve your best interests. In doing so, consider the fact that credit cards usually only excel in one area. If an offer advertises great rewards, you can bet it won’t have the lowest interest rates. In other words, by limiting your search to low interest points credit cards, you are basically putting the simplicity of using a single card over getting the best terms. That is why we suggest looking for low interest or 0% credit cards separately from points credit cards. You can use the former to minimize the effect of finance charges on your bank account and the latter to earn free stuff via purchases that you will be able to pay off in full before the end of the month. Note: some of the offers are issued by WalletHub advertising partners.
COMPARE LOW INTEREST POINTS CREDIT CARDS
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- No membership fees
- High rewards rate
- 20,000 points initial rewards bonus
- No foreign fee
- No intro APR
- No membership fees
- Low regular APR
- No foreign fee
- Qualify with limited or no credit history
- No membership fees
- No initial rewards bonus
- No intro APR on purchases
- No intro APR on balance transfers
- Foreign fee
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Balance transfer fee
- Requires good/excellent credit
- No membership fees
- 2.99% intro APR on balance transfers
- High rewards rate
- Bonus rewards categories
- Spending caps on rewards
- No initial rewards bonus
- No intro APR on purchases
- Balance transfer fee
- No membership fees
- No balance transfer fee
- No foreign fee
- No initial rewards bonus
- No intro APR on purchases
- Requires excellent credit
- No membership fees
- 2.9% intro APR on purchases
- 2.9% intro APR on balance transfers
- 15,000 points initial rewards bonus
- Foreign fee
- Requires excellent credit
Questions & Answers
Comparing low interest points credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
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Ad Disclosure Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
* The information about the following cards has been independently collected by WalletHub: First Command Bank Classic Visa® Card, Beneficial State Bank’s Climate Card, Harvard Credit Card, NIH Federal Credit Union Visa® Signature Cash Rewards, NASA Federal Credit Union Platinum Advantage Rewards Credit Card, and Black Hills Federal Credit Union Visa Signature® Rewards Credit Card.
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