Best Low Rate Credit Card

Wells Fargo Platinum Visa® Card

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Discover it® chrome

The Discover it chrome’s 14-month introductory period for balance transfers and new purchases is longer than average, plus it offers good cash back rewards on restaurant and gas purchases.

BankAmericard® Credit Card

With a low regular APR and a long introductory period on balance transfers and new purchases, the BankAmericard Credit Card can save you a considerable amount on interest.

Discover it® Miles

The Discover it Miles card can you help you cut costs thanks to its long 14-month introductory APR on new purchases and its low regular APR.

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday Card from American Express is a cash back rewards credit card that offers three different categories for earning potential. Cardholders can earn 3 percent cash back on up to $6,000 in purchases at U.S. supermarkets each year (then 1 percent), as well as 2 percent cash back on unlimited purchases at U.S. gas stations and select U.S. department stores. All other purchases earn 1 percent cash back. This card has a $0 annual fee, and new cardholders can earn a $150 statement credit by spending $1,000 in the first three months of opening the account. For the first 15 months, this card offers a zero percent APR on purchases and balance transfers made within 60 days of opening the account, then a 14.99 to 25.99 percent variable APR.

Capital One Journey® Student Rewards Credit Card

The interest rate is reasonable – although not great – but the array of other features makes VentureOne Rewards Card worthy of consideration.

Blue Cash Preferred® Card from American Express

The Blue Cash Preferred Card from American Express is a cash back rewards card that offers rewards on a variety of everyday purchases. The card earns 6 percent cash back on up to $6,000 spent annually at U.S. supermarkets (then 1 percent), 3 percent cash back at U.S. gas stations and select U.S. department stores, and 1 percent cash back on all other purchases. The card offers a zero percent introductory APR for the first 12 months on purchases and balance transfers made within 60 days of opening the account. After that, there is a 14.99 to 25.99 percent variable APR.

Bank of America® Cash Rewards

• NEW OFFER: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
• Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
• No changing categories and no expiration on rewards
• Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
• If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%

Wells Fargo Cash Wise Visa® Card

The introductory period for balance transfers on the Wells Fargo Cash Wise Visa Card is on the short side, but the card can help cut costs in other ways thanks to a large sign-up bonus offer and high cash back rate.

Wells Fargo Propel American Express® Card

The Wells Fargo Propel American Express Card provides 3X reward points for an interesting variety of categories:

There’s also a signup offer of 30,000 bonus points for spending $3,000 in the first 3 months. Those points would be worth $300 when redeemed, giving you a 10% return on your spending.

Cardholders get an intro APR of 0% for 12 months on both purchases and balance transfers. You’ll get shopping and travel protections from Amex, and you can check your FICO 9 Credit Score online for free.

Town Bank Cash Back American Express Card

• Earn 1.5% cash back on purchases
• Receive a statement credit automatically every time you earn $25 in cash back
• Rewards earned never expire!
• A one-time $50 automatic statement credit when you spend $500 in the first 3 billing cycles
• No Annual Fee

The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card starts off with 125,000 bonus points after you spend $3,000 in eligible purchases within the first three months of card membership. You’ll receive 12 points per dollar at hotels and resorts in the Hilton portfolio, six points per dollar on select business and travel purchases and three points per dollar everywhere else. You’ll get complimentary Gold status with Hilton, which offers perks including free Wi-Fi, late checkout, a fifth night free on reward nights, space-available room upgrades and continental breakfast. You can qualify for a free weekend night hotel stay if you spend $15,000 or more in one calendar year. Spend an additional $45,000 annually (for a total of $60,000), and you’ll earn a second free weekend night hotel stay. The card charges a $95 annual fee.