Credit cards

The 5 Best Low Interest Credit Cards of 2022

Map Highlights

Introductory bonusIntroductory Offer: Earn an extra 1.5% cash back on everything you buy (up to $20,000 spent in the first year) – worth up to $300 in cash back!

APR15.24% to 23.99% variable

Recommended creditExcellent/Good

Reward 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 restaurant meals, including eligible takeout and delivery services
  • 1.5% on all other purchases

Annual fees$0

Intro Purchase APR0% Intro APR on purchases for 15 months

Additional Details

Details of rewards and redemptions

The Chase Freedom Unlimited® card starts strong with a $200 bonus when you spend $500 within the first three months of owning the card. There is also an introductory APR of 0% for the first 15 months on purchases and balance transfers. That’s far from all, however. This card actually offers the rewards of regular credit cards with a solid cash back program designed to save you money. You earn 5% on gas station purchases up to $6,000 in the first year. You also get 5% off travel purchases through Chase Ultimate Rewards, 3% off dining, and 3% off drugstore purchases with 1.5% off all other purchases. Plus, rotating categories mean you can get up to $1,500 each month when you activate bonus categories, such as gas station and grocery store purchases. Cash back never expires and no minimum is required for redemption. Most notably, though, are all the added benefits, like extended warranty protection, credit score and identity restoration, rental car collision coverage, and travel insurance.


The inconvenients

  • Introductory APR
  • Regular rewards apply
  • No annual fee
  • Must have good credit
  • High fees