The 5 best low-interest credit cards of 2022 – ZDNet

Card Highlights

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

APR15.24% to 23.99% Variable

Recommended CreditExcellent/Good

Reward Rates

  • 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
  • 1.5% on all other purchases

Annual Fee$0

Intro Purchase APR0% Intro APR on Purchases for 15 months

Additional Details

Rewards & Redemption Details

The Chase Freedom Unlimited® Card starts off strong with a $200 bonus when you spend $500 within the first three months of having the card. There is also a 0% introductory APR lasting the first 15 months on both purchases and balance transfers. That is far from all, however. This card actually delivers the rewards of regular credit cards with a strong cash back program designed to save you money. You earn 5% on gas station purchases up to $6,000 in your first year. You also receive 5% off travel purchases through Chase Ultimate Rewards, 3% off dining, and 3% off drug store 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 there is no minimum required for redemption. Most notably, however, are all of the extra benefits, like extended warranty protection, credit score and identity restoration, auto rental collision coverage, and travel insurance. 



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

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