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Best Low Interest Credit Cards for January 2022

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Sponsored 0% APR for 15 months on purchases from the date of account opening

Blue Cash Everyday® Card from American Express
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Blue Cash Everyday® Card from American Express
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On American Express's secure site
Rewards Rate
3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 2% Cash Back at U.S. Gas Stations, 1% Cash Back on other eligible purchases
Welcome Offer
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months
Intro Purchase APR
0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
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Sponsored 5% cash back on purchases in your top eligible spend category

Citi Custom Cash℠ Card
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On Citi's secure site
Rewards Rate
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
Welcome Offer
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Intro APR
0% Intro APR on Balance Transfers and Purchases for 15 months.
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Sponsored Earn an additional 1.5% cash back during the first year - worth up to $300

Chase Freedom Unlimited®
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On Chase's secure site
Rewards Rate
Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all
Welcome Offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
Low Intro APR
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99% - 23.74%.
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Sponsored 0% Intro APR for 21 months on balance transfers from date of first transfer

Citi® Diamond Preferred® Card
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On Citi's secure site
0% Intro Balance Transfer APR
0% Intro APR for 21 months on balance transfers from date of first transfer
0% Intro Purchase APR
0% Intro APR for 12 months on purchases form date of account opening
Extra Perks
With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more
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Capital One SavorOne Cash Rewards Credit Card
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On Capital One's secure site
Intro APR
0% intro on purchases for 15 months, 14.99% - 24.99% (Variable) thereafter
Rewards Rate
3% Cash Back on dining, entertainment, popular streaming services and at grocery stores, 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
No Foreign Fee
No foreign transaction fee
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Sponsored 0% intro APR on Balance Transfers for 18 months

Citi® Double Cash Card – 18 month BT offer
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On Citi's secure site
Rewards Rate
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases
Intro Balance Transfer APR
0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness
Extra Benefits
No annual fee and free access to Citi Entertainment®
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Sponsored 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases

Blue Cash Preferred® Card from American Express
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On American Express's secure site
Rewards Rate
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) , 1% Cash Back on other eligible purchases
Welcome Offer
$300 back after you spend $3,000 in purchases on your new Card within the first 6 months.
Intro Purchase APR
0% APR for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
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Sponsored No Late Fees, No Penalty Rate, and No Annual Fee

Citi Simplicity® Card
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On Citi's secure site
Intro Purchase APR
0% Intro APR for 12 months on purchases from date of account opening
Goodbye to Fees
No Late Fees, No Penalty Rate, and No Annual Fee
Intro Balance Transfer APR
0% Intro APR for 21 months on balance transfers from date of first transfer
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