Best credit cards, including zero rate cards.

Here are some of the best credit cards, including zero percent interest rate cards, as rated by Consumer Reports and other top sources. These credit cards have the lowest interest rates, the lowest fees, and the best cash back credit card rewards programs. Using a low rate credit card, or a reward card, to help pay bills and debt can help you save you substantial money.

Personally, I use the Chase Freedom credit card. I get anywhere from 1-3% back on all purchases I make. It is shopping that I am already doing, so I figure why not get paid for it. So I use the Chase Freedom (below), then I also shop at online shopping and rebate sites that provide cash rebates, and get another 5-10% (or more!) back. So when I shop, at most retailers I can save over 5-15% (or more) on my bills.

 

Best cash-back credit cards

Blue Cash from American Express

• 12.49 to 18.49% interest rate
• Receive 5% cash back on your bills at drugstores, supermarkets, and gas stations; 1.5% cash rebates elsewhere.
• 0% APR on new purchases for up to 12 months.
• This credit card offers a fixed 2.99% on balances transferred for 12 months (3% transfer fee). 
• You will only only get 5% and 1.5% cash rebates on purchases made after you’ve spent $6,500 within a year; if you spend less then that amount, it’s 1% and 0.5%. This credit card is best for big spenders with high bills.

 

 

 

Capital One No Hassle Cash Rewards

• 9.9 to 16.9% interest rate.
• Get 2% cash-back on grocery store bills and gas, and 1% on all other purchases.
• 0% intro interest rate for up to 12 months.
• No limits on cash-back rewards which are paid, which never expire. There is a $29 annual fee charged to people with poor credit scores.
   

Chase Freedom Visa

• 9.99 to 18.99 interest rate
• 3% cash rebate for every dollar you spend on groceries, gas bills, and fast food
• 1% cash rebate of every dollar you spend in other categories, $50 credit after first purchase.
• 0% intro APR for up to 12 months.  3
   

Discover

• 10.99 to 18.99% interest rate
• 5% cash back paid to consumers in various categories on up to $400 of quarterly purchases/bills
• 0.25% on other purchases up to $1,500 in annual spending; 0.5% from $1,500 to $3,000; and 1% after $3,000 purchased
• 0% interest rate on new purchases for six months, 0% rate on balance transfers for up to 12 months (3% transfer fee). 
• This is a better, top deal if you redeem your points for gift cards with the 100 retailers they partner with because you can get up to double rewards and points. Lesser reward for cash-back option. 
   

 

 

Best low interest rate/low-fee cards. Also, best zero percent rate credit cards.

Find how to get the lowest credit card interest rates.

Clear from American Express

• 13.49 to 18.99% interest rate
• 0% introductory APR for up to 12 months
• Get a fixed 3.99% rate on balances transferred for 12 months.
• A $25 AmEx gift card is provided for every $2,500 spent.
• This credit card has a very liberal one-month grace period for payments.
• No fees for cash advances, late payments, or over-limit charges. No fees can be very helpful for paying bills.
• They also provide a free credit report with credit score annually. 

Iberiabank Visa Classic

• 7.5 to 9.5 interest rate
• 0% on balance transfers for 6 months; and a competitive 7.5 to 9.5% on balances afterward.
• Get a low 11.5% to 13.5% APR on balances for convenience checks or cash advances, but it does carry a 5% transaction fee.

Pulaski Bank Visa Gold

• 8 8% interest rate
• This APR applies to cash advances and new purchases.
• 0% APR on balance transfers for 6 months, 8% after.
• No cash advance fee, which can be very helpful for any need for cash you may have.

Simmons First Visa Platinum

• 7.25% interest rate
• Cash-advance APR is only 11.25%, with a 3% transaction fee. And default penalty APR is only 15.25%.
• Balance transfer APR is 7.25%.  If you are transferring a balance that can be paid off quickly, try Simmons First Visa Platinum Travel Rewards card as it has a 0% interest rate on balance transfers for six months, 8.95% APR, and no transfer fee.
   

 

Best gas rewards credit cards

Chase BP Visa

• 12.99 to 19.99% interest rate
• 5% cash rebate on gas bought at BP, 2% rebate on travel and dining, 1% rebate on other purchases.
• All cash rebates are doubled for the first 60 days of using the credit card
• No cash rebates paid on gas at non-BP stations.

Chase PerfectCard MasterCard

• 9.99 to 18.99% interest rate
• 6% rebate paid on gas bills for first 90 days, 3% afterward; receive 1% cash back on all other purchases.
• 0% APR on new purchases for up to 6 months.
• Maximum rebates on gasoline up to $500 in spending per month.

Discover Open Road

• 10.99 to 18.99% interest rate
• 5% cash back on auto maintenance and gasoline bills up to $100 in ­purchases per month;
• 1% cash rebates paid on all other purchases after the total annual purchases exceed $3,000. Also, receive up 20% cash back at retailers you shop at using the Discover Web site.
• 0% APR on new purchases for six months and 0% rate on 12 months on balance transfers. 
• This rebate credit card is best for people who don’t spend a lot on money on gas;
• Rewards paid on nongas purchases are only 0.25% up to $1,500 in annual spending and 0.5% from $1,500 to $3,000; 3% to 4% fee on credit card balance transfers, depending on credit scores and record.