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Low Interest Credit Cards with Rewards

 low interest credit cards with rewards

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

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.

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Bank of America® Accelerated Rewards® American Express® Card

bank of america accelerated rewards american express card
Rates:
  • 0% on Purchases 12 billing cycles
  • 0% on Transfers 12 months ;   Fee.....4% (min $10)
  • Regular Rate 12.99%-20.99% (V) Purchases & BT
Annual Fee None
Rewards Points
Initial Bonus $50
Base Earn 1.25 points / $1
Max Earn 1.25 points / $1
  • Get a $50 statement credit after making at least $100 in retail purchases within the first 60 days of the account opening date.
  • Earn great rewards with 1.25 points per $1 in purchases.
  • Redeem your points for travel with no blackout dates, discounts at hotels, cash, brand-name merchandise, or gift certificates.
  • Access to special Cardmember offers from participating American Express® merchants to save on shopping, dining, travel, hotels, and much more.
  • Access to one of the world's largest and most established travel agency networks.

 
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BankAmericard Cash Rewards™ Card

bankamericard cash back credit card
Rates:
  • 0% on Purchases 12 billing cycles
  • 0% on Transfers 12 months ;   Fee.....4% (min $10)
  • Regular Rate 12.99%-20.99% (V) Purchases & BT
Annual Fee None
Rewards Cash Back
Initial Bonus $50
Base Earn 1%
Max Earn 3%
  • Get a $50 cash back bonus after you make $100 in purchases within 60 days of account opening.
  • Earn 1% cash back on every purchase, 2% on groceries and 3% on gas. The 2% cash back on grocery purchases and 3% cash back on gas purchases applies to the first $1500 in purchases in these combined categories each quarter categories. After that, the base 1% earn rate applies to those purchases.
  • Receive a 10% customer bonus when you redeem rewards into a Bank of America® checking or savings account.
  • Redeem rewards for a check, statement credit, direct deposit to a checking or savings account.
  • Get redemptions starting at $25, with the capability to set up automatic redemption.
  • Rewards don't expire.

 
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Biodegradable Discover® More Card

bio discover more card
Rates:
  • 0% on Purchases 6 months
  • 0% on Transfers 6 months ;   Fee.....3%
  • Regular Rate 10.99% - 20.99% (V)
Annual Fee None
Rewards Cash Back
Initial Bonus None
Base Earn up to 1%
Max Earn 5%
  • Depending on the month of the year earn 5% CashBack in certain popular categories and UP TO 1% CashBack on all other purchases.
  • Examples of Popular Categories: travel, home improvement stores, department stores, gas, restaurants.
  • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.

 
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Citi ThankYouSM Preferred Card - $150 Gift Card

Rewards Credit Cards from Citibank
Rates:
  • 0% on Purchases Not Offered
  • 0% on Transfers Not Offered
  • Regular Rate 12.99% - 22.99% (V)
Annual Fee None
Rewards Points
Initial Bonus 15,000 points
Base Earn 1 point / $1
Max Earn 5 points / $1
  • $150 gift card - When you redeem the 15,000 bonus ThankYou® Points received after $1,000 in purchases within 3 months of account opening.
  • 5 ThankYou Points for every $1 you spend on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 you spend thereafter.
  • No expiration and no limit on the points you can earn.
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more.

 
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Proceed Editor's Pick

Citi Forward® Card

citi forward card
Rates:
  • 0% on Purchases 7 months
  • 0% on Transfers 12 months ;   Fee.....3%
  • Regular Rate 12.99% - 22.99% (V)
Annual Fee None
Rewards Points
Initial Bonus 10,000 points
Base Earn 1 point / $1
Max Earn 5 points / $1
  • $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months.
  • Earn 1,000 bonus points when you sign up for Paperless Statements.
  • 5 ThankYou points for every $1 you spend on restaurants and entertainment.
  • 1 point for every $1 you spend on all other purchases.

 
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Proceed Editor's Pick You can place your own picture on this Credit Card

Capital One® Cash Rewards - $100 Cash Back Bonus

Cash Back Credit Card Application from CapitalOne Cash
Rates:
  • 0% on Purchases until June 2013
  • 0% on Transfers until June 2013 ;   Fee.....3%
  • Regular Rate 12.9% - 20.9% (V)
Annual Fee None
Rewards Cash Back
Initial Bonus $100
Base Earn 1.5%
Max Earn 1.5%
  • $100 Bonus after you spend $500 in the first 3 months.
  • 50% bonus on the cash back you earn every year.
  • 1% cash back on all purchases.
  • Earn unlimited cash back that doesn't expire.
  • Redeem cash back anytime for any amount, even set automatic redemptions.

 
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Proceed Editor's Pick You can place your own picture on this Credit Card

Capital One® VentureOneSM Rewards Credit Card

Credit Card Application from Capital One
Rates:
  • 0% on Purchases until June 2013
  • 0% on Transfers Not Offered
  • Regular Rate 11.9% - 19.9% (V)
Annual Fee None
Rewards Miles
Initial Bonus 10,000 miles
Base Earn 1.25 miles / $1
Max Earn 1.25 miles / $1
  • 1.25 miles per dollar on every purchase, every day.
  • One-time bonus of 10,000 miles once you spend $1,000 dollars in the first 3 months, equal to $100 on travel.
  • Redeem miles for airline tickets, hotel rooms, car rentals and more.
  • No limit on the miles you can earn and miles won't expire.
  • Fly free on any airline, any time with no blackout dates.
  • No foreign transaction fees.

 
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Proceed Editor's Pick

Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR

VISA Card Application for Chase Freedom
Rates:
  • 0% on Purchases 15 months
  • 0% on Transfers 15 months ;   Fee.....3%
  • Regular Rate 12.99% - 22.99% (V)
Annual Fee None
Rewards Cash Back
Initial Bonus $100
Base Earn 1%
Max Earn 5%
  • Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months.
  • 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 - 6/30/12.
  • You'll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases without limits on what you can earn.
  • Up to an additional 10% cash back when you shop online at select merchants through Chase.
  • Cash back rewards never expire.

 
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Escape by Discover® Card

escape by discover card
Rates:
  • 0% on Purchases 6 months
  • 0% on Transfers 6 months ;   Fee.....3%
  • Regular Rate 10.99% - 16.99% (V)
Annual Fee $60
Rewards Miles
Initial Bonus up to 25,000 miles
Base Earn 2 miles / $1
Max Earn 2 miles / $1
  • 25, 000 Bonus Miles -- Earn 1,000 Miles each month you make a purchase for the first 25 months.
  • 2 Miles per $1 on all purchases.
  • Fly on any airline, book any hotel or car, with no blackout dates.
  • Use Miles for travel, merchandise, gift cards or cash.

 
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Discover® Open Road Card

Discover Platinum Cashback Bonus Plus
Rates:
  • 0% on Purchases 15 months
  • 0% on Transfers 15 months ;   Fee.....3%
  • Regular Rate 10.99% - 20.99% (V)
Annual Fee None
Rewards Cash Back
Initial Bonus None
Base Earn up to 1%
Max Earn 2%
  • Earn a full 2% Cashback Bonus on your first $250 in combined gas and restaurant purchases each billing period.
  • In addition, earn a full 1% unlimited Cashback Bonus on all other purchases after your total annual purchases exceed $3,000; other purchases that are part of your first $3,000 earn.
  • 5%-20% Cashback at top online retailers thru the Discover site.
  • Flexible redemption options with no redemption fee. Choose from Partner gift cards, merchandise, Discover gift cards, credit to your Discover card account or an electronic deposit to your bank account.

 
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We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Certain offers originate from paying advertisers, and this will be noted on a card’s details page, when applicable.

Before you apply for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Low Interest Credit Cards with Rewards shown on this page.