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Low Interest Credit Cards with Rewards

low interest credit cards with rewards

The low interest credit cards with rewards listed on this page all offer regular interest rates under 13% as well as cash back, points or miles in return for every dollar that you spend. Before jumping at the chance to apply for what may seem like a pretty attractive type of credit card, consider for a second what your desire for a low interest rate indicates about your spending habits and what you would be giving up by adding rewards to the mix. A low interest rate is only relevant if you are unable to pay your bills in full every month. If this is indeed the case in your situation, getting the lowest possible interest rate will save you the most money. The card offering such a rate may or may not also offer rewards, as credit cards that excel in one area tend to be somewhat lacking in others. Therefore, by searching for low interest credit cards with rewards you are essentially muddying the waters and distracting from your greatest need. The best course of action in light of this information is to focus your search on finding the credit card with the best rates and then consider yourself lucky if this card can be classified as a low interest rewards credit card. In addition, keep in mind that if your everyday spending routinely exceeds the amount of cash you have available to make payments, you would be well served to excise some unnecessary expenses from your life.

Alter your search for results beyond the scope of Rewards Low Interest Credit Cards

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    3.5

    Capital One® VentureOne® Rewards Credit Card

    capital one ventureone rewards credit card
    • 0% PURCHASES until September 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 11.9% - 19.9% (V)
    ANNUAL FEE None
    REWARDS Miles
    BASE EARN 1.25 miles / $1
    MAX EARN 1.25 miles / $1
    • Earn unlimited 1.25 miles on every purchase, every day.
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel.
    • Fly any airline, stay at any hotel, anytime.
    • Enjoy a low intro APR on purchases.
    • Travel when you want—no blackout dates.
    • Miles don't expire and there’s no limit to how many you can earn

     
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    3.5

    Capital One® Quicksilver® Cash Rewards Credit Card

    capital one quicksilver cash rewards credit card
    • 0% PURCHASES until June 2015
    • 0% TRANSFERS until June 2015 ;   Fee.....3%
    • REGULAR RATE 12.9% - 22.9% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1.5%
    MAX EARN 1.5%
    • One-time $100 bonus after you spend $500 on purchases within the first 3 months.
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Cash back doesn't expire and there’s no limit to how much you can earn

     
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    4

    Blue Cash Preferred® from American Express

    blue cash preferred credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 12.99%-21.99% (V)
    ANNUAL FEE $75
    REWARDS Cash Back
    BONUS $150
    BASE EARN 1%
    MAX EARN 6%
    • Get $150 back after you spend $1,000 on purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
    • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
    • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • Terms and restrictions apply.

     
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    4

    Blue Cash Everyday® Card from American Express

    blue cash credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 12.99%-21.99%
    ANNUAL FEE $0
    REWARDS Cash Back
    BONUS $100
    BASE EARN 1%
    MAX EARN 3%
    • Get $100 back after you spend $1,000 on purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
    • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
    • Earn Cash Back: 3% US supermarkets up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • Terms and restrictions apply.

     
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    2.5

    Citi ThankYou® Preferred Card – Low Intro APRs

    thank you credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3% (min $5)
    • REGULAR RATE 12.99% - 22.99% (V)
    ANNUAL FEE $0*
    REWARDS Points
    BONUS None
    BASE EARN 1 point / $1
    MAX EARN 2 points / $1
    • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment.
    • 1 ThankYou Point on other purchases.
    • Points do not expire and earn unlimited Thank You Points.
    • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more.

     
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    3.5

    Citi® Double Cash Card

    citi cashreturns mastercard
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3% (min $5)
    • REGULAR RATE 12.99% - 22.99% (V)
    ANNUAL FEE $0*
    REWARDS Cash Back
    BONUS None
    BASE EARN 1%
    MAX EARN 2%
    • The only card that earns you cash back TWICE on every purchase with:
    • 1% cash back when you buy
    • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
    • No Category Restrictions, No Caps, No Enrollments in Rotating Categories

     
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    3.5

    Citi ThankYou® Preferred Card – Earn 20,000 Bonus Points

    citi thank you preferred credit card
    • 0% PURCHASES 12 months
    • 0% TRANSFERS 12 months ;   Fee.....3% (min $5)
    • REGULAR RATE 12.99% - 22.99% (V)
    ANNUAL FEE $0
    REWARDS Points
    BASE EARN 1 point / $1
    MAX EARN 2 points / $1
    • Earn 20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening – redeemable for $200 in gift cards or other great rewards!
    • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment.
    • 1 ThankYou Point on other purchases.
    • Points do not expire and earn unlimited Thank You Points.
    • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more.

     
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    4

    Amex EveryDaySM Credit Card from American Express

    amex everyday credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 12.99% - 21.99% (V)
    ANNUAL FEE None
    REWARDS Points
    BASE EARN 1 point/$1
    MAX EARN 2 points / $1
    • Earn 10,000 points after you use your new Card to make $1,000 in purchases within the first 3 months.
    • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
    • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
    • Terms and limitations apply.

     
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    2.5

    Amex EveryDaySM Preferred Credit Card from American Express

    amex everyday preferred credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 12.99% - 21.99% (V)
    ANNUAL FEE $95
    REWARDS Points
    BASE EARN 1 point/$1
    MAX EARN 3 points/$1
    • Earn 15,000 points after you use your new Card to make $1,000 in purchases within the first 3 months.
    • Earn 50% more points: Make 30 or more purchases with your Card in a billing period and earn 50% more points on those purchases less returns and credits. Terms and limitations apply.
    • 3x points at US supermarkets on up to $6,000 per year in purchases(then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
    • Terms and limitations apply.

     
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    4

    Simmons First Visa® Platinum Rewards Credit Card

    simmons first visa platinum rewards
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 9.25% (V)
    ANNUAL FEE None
    REWARDS Points
    BONUS None
    BASE EARN 1 point / $1
    MAX EARN 1 point / $1
    • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent.
    • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions.
    • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants.

     
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