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Some cards are from Credible partners.

Sometimes you don’t need all the bells and whistles – just a low fee, low-interest rate card to get the job done. But keep in mind, often these low-interest rate cards require a good to excellent credit score to get approved.

Take a look at some of the best low-interest credit cards for 2018 below.

Best low interest rate cards

Best sign up bonus

BankAmericard Cash Rewards™ Credit Card

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on Bank of America's website

Summary

With the BankAmericard Cash Rewards Credit Card, cardholders can take advantage of 12 months of 0% APR, earn 2% cash back on groceries and 3% on gas, and enjoy $150 sign-up bonus when you spend $500 within 90 days of account opening.

Get it

For a no annual fee cash back credit card that has no annual fee, 0% APR for 12 months, plus cumulative bonuses for Bank of America customers, look no further than the BankAmericard Cash Rewards Credit Card.

Key highlights

  • No annual fee, 0% APR for 12 billing cycles after which point the interest rate becomes 14.24% – 24.24%, based on creditworthiness when the account was opened
  • 2% cash back on groceries and 3% on gas; that’s $2 for every $100 in groceries and $3 for every $100 in gas, up to a cumulative $2,500 in these categories per quarter (the rewards rate drops to 1% after $2,500)
  • $150 sign-up bonus when you spend $500 within 90 days of account opening
  • Extra redemption bonuses (10-75%) for Bank of America customers who receive their bonus in a Bank of America account; the more money you keep with them, the higher your bonus

Skip it

If you bank elsewhere, spend significantly more than the $2,500 quarterly cap on groceries and gas, or travel is where you make your big spends, then other cards may better suit your credit card needs.

Is the BankAmericard Cash Rewards Credit Card the right fit for you? Learn more here.

Best low interest rate cards

Best general cash back rewards

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This may be because the issuer is no longer offering this card or promotion. Check out similar cards below.

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