Credit Cards with Low Interest Rates in 2018

Have you heard about credit cards where you do not have to pay much or less interest rates? How can you improve your credit and financial situation by choosing the right credit card for yourself? Credit Health Care is here to provide will all the possible credit cards which provides you with the chances of paying less or no interest rates.


Now, we are going to talk about one of the amazing benefits of using credit cards – which in this case is having to pay less or no introductory APR and interest rates. This feature helps the credit cardholders to pay less and make essential savings. The credit cards with low interest rates which are discussed in this post have many users and positive reviews. In addition to that, more features in these credit cards also includes waiving of fees from penalty rates, annual fees, late payments and more. The low interest rates credit cards are namely Citi Simplicity® Card, Wells Fargo Platinum Visa® Card, HSBC Gold Mastercard® credit card, Barclaycard Ring® Mastercard®, Capital One® VentureOne® Rewards Credit Card, BankAmericard® credit card, Scotiabank no-fee Value Visa Card, BNZ Low Rate Mastercard, PenFed Promise Visa® Card and also American Express Rewards Low Rate Credit Card.

Credit Cards with Low Interest Rates in 2018

What are the mistakes that people make while using the credit cards? What are the common credit card mistakes ?  How can you pay less money as part of credit card charges? I have been using credit cards but losing much because of high interest rates, so can you tell the banks or financial institutions which provide low interest rates credit cards. To finds the answers, read the blog till the end.

Citi Simplicity® Card

Reasons to Choose

  • Do not forget to take the benefit of having not to make any introductory APR percentage payments for the first 18 months
  • Moreover, you will also get the chance to not pay for the purpose of penalty rates charges and also late fee charges
  • As part of your foreign transactions fees, you only need to make payments to the amount of 3% of the cost of the spending
  • Get the chance to give very less as for the purpose of cash advance fees which amounts to 5% of the costs over $10 – whichever is greater
  • Many additional features that you will get to enjoy through this credit card are fraud early warning along with identity theft protection
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Wells Fargo Platinum Visa® Card

Reasons to Choose

  • Also, you are eligible to protect your credit card account with the help of Zero Liability protection feature
  • Moreover, you are waived of having to pay any additional annual fee payments by using this particular credit card
  • Do not forget to use the useful My Money Map features which enables the credit card holders to create and manage their budget
  • Get the chance to have unlimited free access to FICO® Credit Score which is available both to track your spendings
  • You will have the abiloity to link your credit card account with the checking account with the help of Overdraft Protection feature

HSBC Gold Mastercard® credit card

Reasons to Choose

  • Along with not having to pay for annual fees, you are also waived of any amounts for going for additional cards
  • The attractive features that you will find in this credit card are nil late fee payments, nil penalty APR amount and nil foreign transaction costs
  • Do not forget to opt for the Master RoadAssist® Roadside Services which offers help while riding in the USA
  • Moreover, for the initial one and half years, you are not needed to give any form of introductory APR amount
  • Take the help fo contact less payment feature by using this specific credit card for making transactions

Barclaycard Ring® Mastercard®

Reasons to Choose

  • Also you are safe from any kind of unauthorized charges with the help of fraud liability protection of $0
  • Moreover, do not forget to use the PIN and international chip for use in self-service terminals worldwide
  • You are not entitled to pay any percentage of introductory APR for the initial 12 months
  • Do enjoy the features of not needing to pay any form of foreign transaction fees
  • Get the chance to have very low APR for the purpose of cash advances and purchases

Capital One® VentureOne® Rewards Credit Card

Reasons to Choose

  • Take the offer of having unlimited rewards points which s earned by 1.25 miles for each dollar spend on any kind of purchase daily
  • Also, you will not be needed to make any payments for the purpose of annual fees through this credit card
  • Do also enjoy the privilege of not having to give any type of foreign transaction costs while spending outside the country
  • You will also have the ability to redeem you travel miles through the process of statement credit in relation to the costs
  • Get the advantage of using bonus miles points of around 20,000 after you have spend around $100 in the initial three months

BankAmericard® credit card

Reasons to Choose

  • This is one of the best chances to pay of balances thorugh the help of udsing the card which has no annual fees
  • Get the chance to use the nill introductory balance transfer fee and have the advantage to transfer high-rate balances
  • You not have to pay any form of introductory APR percentage for the initial fifteen billing cycles for making spendings
  • Also, by using this credit card, you are waived of paying any type of penalty APR amount which tends to increase interest rates
  • Do not forget to use the FICO® Score which is updated for this credit card holders on a monthly basis

Scotiabank no-fee Value Visa Card

Reasons to Choose

  • The biggest advantage of this credit cards is that, you do not have to pay any annual fee, even in each supplementary card
  • Also, you get the chance to pay only around $500 for the purpose of putting minimum amount balance
  • You will have the ability to save around more money through the help of nil annual fee along with lower interest rate
  • Do not forget to take the additional benefit of using the Visa payWave feature where you only need to eave yor card
  • This credit card is used monstly by Canada citizens and people from other countries are waived on any credit history check-up

BNZ Low Rate Mastercard

Reasons to Choose

  • This credit issuer also offers you with the chance to increase your credit card limit by just changing your card type
  • The exciting feature that you fill find in this credit card is only having to keep $500 limit
  • Along with staying interest free for initial 55 days, along with only paying $17.50 on an half-yearly basis
  • You will also have the ability to do repayments for the which is around minimum amount of $25 of the balance cost
  • Also do not need to pay any kind of interest rate for the initial one year on making balance transfer to this credit card

PenFed Promise Visa® Card

Reasons to Choose

  • Do know that you only have to give promotional APR of 4.99% on balance transfers for the initial year
  • Take the maximum benefit from the card as you do not have to pay cash advance and balance transfer fees
  • You will also enjoy enhances security features with the help of EMV chips
  • Always remember to get statement credit to the amount of $100 by spending around $1500 for the initial three months
  • Get regular notifications in the form of Visa Purchase Alerts to have more control over your finances

American Express Rewards Low Rate Credit Card

Reasons to Choose

  • Do not forget to take the advantage of Membership Rewards® of 5,000 bonus points
  • Also remember that by using this particular credit card, you are waived of paying any annual fees
  • This credit cards provides the cardholders with representative variable APR of 9.9 percentage
  • Get the chance to redeem your credit cards points through Boots, Amazon, House of Fraser and also Currys PC World
  • You will also get Purchase Protection if the credit card in the first ninety days otherwise it is replaced or refunded


Now You choose:

So now, these above listed credit cards will help you start using the right cards for the given purpose. In an earlier post, we have also talked about the best credit cards where you not have to pay any kind of annual fees, mainly in the initial times. Moreover, you can also take the help from financial and credit card experts to learn about handing these credit cards in the right manner. However, you should need to negotiate with the credit card company to provide you with the cards that can make a difference in your finances and improve it in the future. Read the post and then come back for more essential credit card information. Thus, the time has come for the credit card holders to look into the cards to modify their credit situation through the low interest rates cards. Do not forget to share your experience with is the comment section below!

More: Read more about credit cards

Image Courtesy: Respective credit card company websites.

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