The 8 Best Low-Interest Credit Cards of 2019

If you use a credit card and prefer to repay your balance for a certain period of time instead of at once, you can use a low-interest credit card to reduce credit card fees. If you carry your credit card balance, your credit card company will add finance charges every month, based on your interest rate and balance. The lower your interest rate, the lower your charges. Of course, qualifying for the lowest interest rate usually requires a pretty good credit score. We are reviewing low-interest credit cards and limit they offer, they include:

The 8 Best Low-Interest Credit CardsThe 8 Best Low-Interest Credit Cards

Capital One VentureOne Rewards Credit Card | The 8 Best Low-Interest Credit Cards

Blue Cash Preferred American Express

Discover it Cash Back

U.S. Bank Visa Platinum

Barclay Ring MasterCard

USAA Rate Advantage Visa Platinum Card | The Best Low-Interest Credit Cards

PenFed Gold Visa

Navy Federal nRewards Secured Credit Card

Citi Diamond Preferred

If you choose a low-interest rate credit card, you must consider several other benefits. Some of the best low-interest rate credit cards offer other benefits such as Signup bonuses or rewards for your purchase. Read on and see our options from the best low-interest credit cards that you can apply for today.

 Capital One VentureOne Rewards Credit Card | The 8 Best Low-Interest Credit Cards

If you have a higher credit card, you might qualify for a low-interest rate on the Capital One VentureOne Rewards credit card.

As a new cardholder, you can get 20,000 bonus miles if you spend $ 1,000 on purchases in the first three months of opening your account.

For all purchases made with your credit card, you will always receive 1.25 miles per dollar indefinitely. You can redeem your miles as a credit for the trip purchases you make with your credit card.

The 8 Best Low-Interest Credit Cards

You must redeem the rewards for credit towards travel purchases made with your credit card, and you only have 90 days from the date of purchase to make it up.

Minimum Credit Required: Extraordinary

Annual Fee: None available

Intro APR: 0% for the duration of the first 12 months

Ongoing APR: 14.24% to 24.24% variables

Balance Transfer Fee: 3% of the transfer made during the promotional period. But, none after balances are transferred at the regular APR

Cash Advance Fee: $10 or 3% on the cash advance

Foreign Purchase Transaction Fee: None available

Signup bonus: 20,000 bonus points after spending $1,000 on purchases during the first three months

Blue Cash Preferred American Express | The 8 Best Low-Interest Credit Cards

Blue Cash Preferred® Preferred American Express Cards offer the opportunity to get 6% cash rewards in US supermarkets, up to $ 6,000 per purchase per year. This is $ 360 in cash if you maximize expenses.

In addition to the 6% grocery purchases, you will receive a 3% cash rewards for purchases at US gas stations and 1% for other things, including groceries that exceeds $ 6,000. In addition, you will receive 3% of your land transportation, including buses, trains, ferries, etc.

The 8 Best Low-Interest Credit Cards

If you prefer to broadcast movies and music, you will receive a 6% discount for selected US streaming services, including Spotify, Netflix, Hulu, HBO, ShowTime, Pandora, Apple Music, and Amazon Music or Video.

The $ 95 annual fee will not be canceled in the first year.

The 8 Best Low-Interest Credit Cards

Minimum Credit Required: Extraordinary

Annual Fee: $95

Intro APR: 0% on purchases and balance transfers for the duration of 12 months

Ongoing APR: 15.24% to 26.24% variables

Balance Transfer Fee: $5 or 3% on the transfer amount

Cash Advance Fee: $5 or 3% on the cash advance

Foreign Purchase Transaction Fee: 2.7% of the amount after being converted to U.S. dollars

Welcome Offer: $200 back when you spend $1,000 on purchases during the first three months

Discover it Cash Back

Instead of traditional Signup bonuses, Discover it Cash Back Rewards will match all the cash back you earned in the first year, dollars for dollars.

The 8 Best Low-Interest Credit Cards

With Discover it Cash Back you earn 5% up to $ 1,500 cash back for purchases in categories that change every quarter. All other purchases will give you 1% cash back rewards.

You will also get a free FICO score with your monthly credit card statement and a Freeze it features which allows you to freeze and unfreeze your credit card.

You have to activate your 5% premium every quarter to ensure that your purchase earns the highest rate. If not, your purchase will be obtained in the bonus category with a regular fee.

Minimum Credit Required: Good

Annual Fee: None available

Intro APR: 0% for the duration of 14 months on balance transfers and purchases

Ongoing APR: 14.24% to 25.24% variables

Balance Transfer Fee: 3% of the transfer amount that posts to your account by August 10, 2019; thereafter 5%

Cash Advance Fee: $10 or 5% on the cash advance

Foreign Purchase Transaction Fee: None available

Signup bonus: None available

U.S. Bank Visa Platinum.

The 8 Best Low-Interest Credit Cards

US Bank Visa Platinum offers one of the longest promotional discounts for any credit card. Get 0 % percent APR for purchases and balance transfers for the first 20 billing cycles.

You will receive a cellphone protection coverage when you pay a monthly mobile phone bill with your credit card. Your card also provides free access to TransUnion credit score.

The 8 Best Low-Interest Credit Cards

There are no signup bonuses or the ongoing incentives offered for purchases

Minimum Credit Required: Extraordinary

Annual Fee: None available

Intro APR is charged at 0% on purchases and balance transfers for every 20 billing cycle.

Ongoing APR is charged at 14.74% to 25.74% variables

Balance Transfer Fee is charged at $5 or 3% on the transfer amount

Cash Advance Fee is charged at $10 or 4% on the cash advance

Foreign Purchase Transaction Fee is charged at 3% on the purchase amount

Signup Bonus: None available

Barclay Ring MasterCard

The 8 Best Low-Interest Credit Cards

Barclay Ring MasterCard is one of the rare credit cards that extends your low-interest rates for purchases and cash advances. This card offers the same low APR for all those who are approved.

You will also receive free online access to your FICO credit rating so you can stay up-to-date with changes in your credit ratings.

However, transfers must be made within the first 45 days to qualify for promotional rates. And your purchase will not earn a reward.

Minimum Credit Required: Extraordinary

Annual Fee: None available

Intro APR: 0% for 15 months on balance transfers made during the first 45 days of account opening

Ongoing APR: 14.24%

Balance Transfer Fee: $5 or 2% of the transfer amount on transfers made during the first 45 days of account opening. No balance transfer fee on balances transferred with a non-promotional APR

Cash Advance Fee: $3 on each cash advance

Foreign Purchase Transaction Fee: None available

Signup Bonus: None available

USAA Rate Advantage Visa Platinum Card

The 8 Best Low-Interest Credit Cards

USAA Advantage Visa Platinum Card offers a low-interest rate of 9.15% when you meet the requirements. There is no APR penalty, which means you can keep your interest rates low if you are behind payments.

You must be a current or retired military or close family member of the retired military to join USAA and apply for a USAA Visa Platinum credit card.

There is no introductory rate for transferring funds or purchases. And your purchase will not earn a reward.

Minimum Credit Required: Extraordinary

Annual Fee: None available

Intro APR: None available

Ongoing APR: 9.15% to 26.15%

Balance Transfer Fee: 3% on the transfer amount

Cash Advance Fee: 3% on the advance amount

Foreign Purchase Transaction Fee: None available

Signup Bonus: None available

PenFed Gold Visa.

The 8 Best Low-Interest Credit Cards

The interest rates offered for PenFed Gold Visa are the lowest. The penalty rate is 17.99% for all credit cards even below the regular APR for any credit card.

You can earn a $ 100 Signup bonus by spending $ 1,500 for purchases in the first three months. However, if you transfer the balance to your credit card, your ability to spend may be limited.

The 8 Best Low-Interest Credit Cards

In order apply, You must be a Pentagon Federal Credit Union member. For membership, you must be connected to the military, either directly or through family members.

There is no promotional interest rate to be purchased. The card does not provide the ongoing rewards for the purchase needed to earn the signup bonus.