The 5 Best Low APR Interest Credit Cards for 2019

If you’re looking for a new credit card for 2019, there are quite a few on the market to choose from. There are cards that offer rewards for spending and those with low to no introductory offers which can save you a lot of money in interest charges. We’ve researched the lowest APR interest credit cards and compared their other features and benefits to find the best five. We’ve narrowed down the list to the most highly rated that offer the best possible advantages for your consideration.

1. Discover it Cash Back – Credit rating: Good to excellent (670-850)

If your credit rating is good to excellent, you may qualify for the card that offers a 14 month 0% APR from the date that you open the account. After the free period, the APR may range between 14.24% to 25.24% depending on your creditworthiness. You can earn up to 5% back in rewards by using your card at restaurants, grocery stores, gas stations, Amazon.com and other places. You can also earn 1% cash back on all other purchases. There is no annual fee and your balance transfer APR is also 0% for the first 14 months.

2. Capital One Venture One Rewards Credit Card – Credit Rating: Good to Excellent (670-850)

This credit card does not charge an annual fee and it offers a rewards rate of up to 10 times when you book at a participating hotel and there are thousands in the network which qualify. This is a credit card that is highly recommended for cardholders who frequently stay at hotels. You can also earn 1.25 times rewards for every other kind of purchase. It offers a low introductory APR on purchases for the first 12 months after the account is opened. The introductory APR rates are between 14.24%-24.24% with a variable rate afterwards.

3. Chase Freedom Unlimited Credit Card – Credit Rating: Good to Excellent (670-850)

The Chase Freedom Unlimited Credit Card does not charge an annual fee. It offers an introductory APR of 0% for the first 15 months after the account is opened on balance transfers and purchases. After the introductory period has expired, the APR is 17.24-25.99% with a balance transfer fee of just 3%. This card allows you to earn 1.5% cash back on every purchase that you make and it’s automatic and unlimited. You even earn a $150 bonus when you spend $500 or more within the first three months of opening the account. You also get a free weekly updated credit score.

4. Bank of America Cash Rewards Credit Card – Credit Rating: Good to Excellent (670-850)

This credit card charges no annual fee and the introductory APR is 0% for the first 12 billing cycles after you open the account. After the introductory period has expired, the introductory rate varies between 16.24% – 26.24%. It also offers a rewards bonus of $150 when you spend a minimum of $500 on purchases within the first 90 days of opening the account.

5. Capital One Quicksilver Cash Rewards Credit Card – Credit Rating: Good to Excellent (670-850)

If you have a credit rating between good and excellent, you may qualify for the Capital One Quicksilver Cash Rewards Credit Card. It offers a special introductory APR of 0% on purchases and balance transfers for the first fifteen months after the account is opened. The rewards rate is 1.5% on every purchase made. The regular APR after the introductory period is 15.24% – 25.24% variable.

Final thoughts

These are five very different credit cards with one thing in common. They all offer a $0 APR for an introductory period. Each offers some type of rewards program that allows you to earn cash back just for using the card. The reason that we included a variety of cards with different types of rewards systems is because we all have different purchasing needs. There are credit cards designed for almost everyone. These cards offer low APRs but they’re for applicants who have a credit rating of good to excellent. We encourage you to compare each of these credit cards to determine which best meets your individual spending and shopping needs.


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