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Best Low Fixed Interest Credit Cards
24 Sep 2019

What Are the Best Low Fixed Interest Credit Cards?

People with excellent credit scores have an average of three open credit card accounts. If you are working your way to that prized excellent status, then it can be helpful to open a new credit card.

You don’t want to get just any old card though. You need one that will provide you with some benefits. Looking for low fixed interest credit cards is a great option.

The best credit cards will allow you to build credit while also keeping your interest low so that you don’t risk creating debt instead.

US Bank Visa Platinum Card

With the US Bank Visa Platinum Card, you get 0% APR for the first twenty billing cycles. This applies both to new purchases and balance transfers. This is huge for those who have a larger balance on a current card and are looking for a reprieve to pay it off.

After the introductory period, you can qualify for an interest rate as low as 14.46%. Plus there is no annual fee.

The card offers some other benefits that may help you in your quest for that excellent credit score. Additional benefits include fraud protection, cell phone protection, choose your own payment date, and TransUnion credit score alerts.

HSBC Gold Mastercard

If you are looking for a card that offers a low-interest rate and fees, then HSBC Gold Mastercard might be the one. This card offers a late fee waiver. Once every twelve months, they will waive the late fee if you happen to make your payment after the due date.

There is also no penalty APR. You never have to worry about your interest rate going up because you made a late payment.

Upon opening your account, you will have a 0% APR for the first 18 months. This includes both new purchases and balance transfers. After that, your interest rate could be as low as 13.24%.

Capital One Quicksilver Cash Rewards

Capital One offers a credit card that will give you a low-interest rate and rewards. For the first 15 months, you get a 0% APR. After that, your interest rate can be as low as 16.24%.

These terms apply to both your new purchases and your balance transfers. There is a 3% fee on balances that are transferred in the first 15 months.

As for the rewards, you get a one-time cash bonus of $150 when you spend $500 int he first three months. Then you earn an unlimited 1.5% cashback on your everyday purchases.

Chase Freedom

The Chase Freedom card is one of the best in the Chase lineup. For the first 15 months, your new charges and balance transfers have an APR of 0%. Then they are a bit higher than others on this list with a minimum APR of 17.24%.

Similar to the previous car, if you spend $500 in the first three months, you’ll receive a $150 bonus. Plus there is no annual fee.

After you activate your card, you can earn 5% cashback on all purchases up to $1,500 per quarter. After you reach this cap, you can earn 1% unlimited cash back on all purchases.

You also get protection with this credit card. They include extended warranty protection, purchase protection, zero liability protection, and credit journey.

Credit journey allows you to check your credit score any time you want, as many times as you wish. Checking won’t affect your credit score.

Discover It® Balance Transfer

With Discover It, you earn, and they match it. For the first year, there is no limit, and you aren’t required to sign up.

You’ll earn 5% back on rotating categories that include gas stations, restaurants,, and many more. Then you’ll earn 1% cashback on all other purchase categories.

When it comes to low interest, you’ll have an APR of 0% for the first 18 months. Then after that, you can get an interest rate as low as 14.24%. If you transfer a balance during the introductory period, you’ll need to pay a transfer fee of 5%.

Discover offers some features to help you protect your card. They offer a service called Freeze It, where you can “freeze” your card in a few seconds through the mobile app or website.

You can view your FICO score on your monthly statements. Plus there is account monitoring that will alert you to suspicious activity.

Citi Double Cash Card

What if you could earn both when you buy and as you pay? The Citi Double Cash Card does this.

There are no special categories and no annual fee. You simply earn 2% on your purchases. That is 1% when you buy and 1% as you pay.

Earning is unlimited, and with the split reward feature, you earn at your pace. To earn, you’ll need to make at least the minimum payment each month.

For the first 18 months, your interest rate will be 0%. This includes both new purchases and balance transfers. After that, your interest rate will be as low as 15.99%.

There is a balance transfer fee of $5 or 3%, whichever is greater. You also don’t earn cashback rewards on balance transfers.

USAA Rate Advantage Visa Platinum Card

If you are a military member, then you can qualify for a credit card from USAA. There are no annual fees or penalty APRs. Your interest rate can be as low as 9.15%.

There is also no foreign transaction fee. Plus you’ll have the same 3% rate on all purchases, cash, and transfers.

Compare Low Fixed Interest Credit Cards

When it comes to finding the right card for you, the best thing to do is compare low fixed interest credit cards. Consider how long the introductory period is, the interest rate afterward, and any additional benefits.

This way, you can balance the different features to find one that fits your needs. Then all that is left is to apply for your new card.

Are these not quite what you’re looking for? Then check out these other useful credit card reviews or search for secured credit cards on our helpful site. Here are some other articles you might like in our blog:

Bad Credit? Where to Find online Loans
Personal loans: an alternative to Payday Loans
What You Should Know About Personal Loans
Steady Climb: How to Build Credit with a Credit Card