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5 Best Low-interest Credit Cards with Rewards

If you are on a tight budget here are some credits cards worth checking out. The following cards offer a variety of ways to save on cash, and can help put that money back into your wallet. These cards are favorable if you are currently facing or trying to avoid facing certain financial struggles, specifically credit card debt.

The first is the Discover card, which offers you 5 percent cash back on everyday necessities like groceries, gas and even dining out. It also includes an additional 1 percent cash back on all other expenses. Another bonus about using the Discover card is that you can redeem your money any time without having to wait. The interest rates starts at 10.99 percent APR with no annual fees and zero percent interest for the 14 months.

The next card is the Capital One card, this "buypower" card gives you 5 percent cash back on the first $5,000 spent every year, with unlimited 2 percent cash back the rest of the year. Capital One has partnered with Chevrolet, Buick, GMC, and Cadillac allowing you to apply your earnings towards the purchase of any of the listed cars. The interest rate for this card is 11.90 percent APR with 0 percent interest for the first year.

Capital One also has another card for Quicksilver Cash Back rewards which provides its customers with unlimited 1.5 percent cash back on every purchase. There's a bonus, if you spend $500 in the first 3 months you get an additional $100 back. Similar to the buypower card, there are no annual fees and 0 percent interest for the first 9 months. But this card has a standard interest rate of 12.90 percent.

Another rewards card is the Blue Cash Everyday card from American Express. This cards rewards you with $100 for spending $1,000 within the first 3 months, with an additional 1 percent back on all other purchases. You also receive 3 percent back at grocery stores up to $6,000 a year, and 2 percent back at major U.S. retailers including Macy's and Kohl's. There is no annual fees and for the first 15 months there is no interest. After interest rate starts as low as 12.99 percent.

Lastly Chase offers the Freedom card which allows you to earn 5 percent cash back on various categories with an additional 1 percent cash back on all other purchases. If you spend $500 in the first 3 months you earn $100 back. If you add an authorized user on your account you get $25 back if they purchase something within the first 90 days. Within the first 15 months there is no interest, and after the interest rate starts at 13.99 percent with no annuals fees. If you shop through Chase.com you will receive 2-5 percent back on certain retailers.

The credit cards discussed encourage you to spend responsibility and rewards you for making smart financial decisions. Thus taking preventative actions that can steer you away from credit card debt.

We at Timothy J. Sierra Attorney at Law would like to state that our blog posts and links, on our web page or any other social media outlet, to any other web pages are not intended for legal advice. We are not responsible for third party website information. If one is in need of legal advice please contact an attorney directly.

Source: GOBankingRates.com. "Best Card Offers Can save You Cash." Tampa Bay Times 4 May 2015, Business sec.: 4B. Print.

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