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Low Interest Miles Credit Cards
WalletHub makes it easy to find the best credit card for you.
In a perfect world, all miles credit cards would be classified as low interest miles cards. Unfortunately, most rewards credit cards have high interest rates, and this is particularly true of the most attractive offers. Conversely, the credit cards with the best rates generally don’t have rewards. By searching for a low interest airline miles card, you are therefore likely ensuring that you get the best of neither world, rather than the best of both. Instead, start by making whatever adjustments are necessary so that your everyday spending does not exceed your means to pay. Then find either a 0% credit card or a balance transfer card, depending on whether your desire for a low interest rate stems from existing debt or significant upcoming purchases. After you get all that squared away, you can go after rewards. Rewards should be at the bottom of credit card priorities, not only because they are a perk, but because they are a perk that is of little or no value when you are revolving a balance. Note: some of the offers are issued by WalletHub advertising partners.
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Capital One VentureOne Rewards Credit Card Capital One VentureOne Rewards Credit Card
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- 20,000 miles initial bonus
- Miles equivalent of 1.25% cash back on purchases
- Miles are redeemable for any travel-related expense on your bill
- 0% intro APRs
- No annual fee
- 3% balance transfer fee
- Potential for a very high regular APR
- $0 annual fee and no foreign transaction fees
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 15.24% - 25.24% variable APR after that
- See More Details & Reviews About TheCapital One VentureOne Rewards Credit Card
Capital One Venture Rewards Credit Card Capital One Venture Rewards Credit Card
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- 75,000 miles initial bonus
- Earn the miles-equivalent of 2% cash back
- Redeem for any-travel related expense
- $0 foreign transaction fee
- Terrible cash back redemption rate
- Monthly earnings are lost when bill payments are late
- Not built for financing
- No foreign transaction fees
- See More Details & Reviews About TheCapital One Venture Rewards Credit Card
Discover it® Miles Discover it® Miles
- UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
- Redeem Miles to pay any part of your monthly bill, including your minimum payment.
- Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
- $0 annual fee
- 1.5 miles per $1
- First-year rewards get doubled
- 0% foreign transaction fee
- Intro APRs on purchases and balance transfers
- High regular interest rate
- Not as rewarding after the first year
- New Intro APR: 0% intro APR† for 15 months on purchases. Then 12.24% to 23.24% Standard Variable Purchase APR will apply.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Discover Match® details & other information.
- See More Details & Reviews About TheDiscover it® Miles
Citi® / AAdvantage® Executive World Elite Mastercard® Citi® / AAdvantage® Executive World Elite Mastercard®
- Earn 50,000 American Airlines AAdvantage® Bonus Miles after spending $5,000 in purchases within the first 3 months of account opening
- Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
- Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases
- Earn 1 Loyalty Point for every 1 eligible mile earned from purchases
- First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
- High rewards rate
- 50,000 miles initial rewards bonus
- No foreign fee
- Reports to the three major credit bureaus
- High membership fees
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
- No Foreign Transaction Fees on purchases
- The standard variable APR for Citi Flex Plan is 16.74% - 25.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- See More Details & Reviews About TheCiti® / AAdvantage® Executive World Elite Mastercard®
American Airlines AAdvantage MileUp℠ Card American Airlines AAdvantage MileUp℠ Card
- Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
- Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
- Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
- Earn 1 AAdvantage® mile for every $1 spent on other purchases
- Earn 1 Loyalty Point for every 1 eligible mile earned from purchases
- Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights
- No membership fees
- High rewards rate
- 10,000 miles + $50 statement credit initial rewards bonus
- Reports to the three major credit bureaus
- No intro APR on purchases
- No intro APR on balance transfers
- Foreign fee
- Requires good/excellent credit
- No Annual Fee
- The standard variable APR for Citi Flex Plan is 16.74% - 25.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- See More Details & Reviews About TheAmerican Airlines AAdvantage MileUp℠ Card
Emirates Skywards Premium Credit Card Emirates Skywards Premium Credit Card
- Earn 40,000 bonus Skywards Miles after spending $3,000 on purchases in the first 90 days.
- Enjoy Emirates Skywards Gold membership during your first year and retain your tier status by spending $40,000 each cardmembership year.
- Earn 3 Skywards Miles for every $1 spent on emirates.com or at the Emirates Sales office.
- Earn 2 Skywards Miles for every $1 spent on eligible airfares, hotel stays and car rentals and 1 Skywards Mile on all other purchases.
- Earn 10,000 Skywards Miles anniversary bonus after spending $30,000 each cardmembership year.
- Global Entry or TSA PreCheck application fee credit every five years – up to $100.
- Receive 25% savings when you Buy or Gift Miles.
- High rewards rate
- 40,000 miles initial rewards bonus
- No foreign fee
- Reports to the three major credit bureaus
- High membership fees
- No intro APR on purchases
- No intro APR on balance transfers
- Requires excellent credit
- Complimentary worldwide lounge access to Emirates Business Class lounges for the cardmember and a guest.
- Free Economy Class seat selection for the cardmember and passengers in the same booking.
- Priority check-in, boarding and baggage delivery.
- Unlimited access to over 1,200 lounges worldwide for you and your guest(s) with Priority PassTM Select.
- See More Details & Reviews About TheEmirates Skywards Premium Credit Card
First Hawaiian Bank Priority Destinations World Elite Mastercard First Hawaiian Bank Priority Destinations World Elite Mastercard
- 5x Priority Miles per $1 spent on travel for the first $6,000 in a calendar year. Earn 2x Priority Miles for all other travel purchases after that.
- 3x Priority Miles per $1 spent on dining purchases until 6/30/22; 2x Priority Miles on everyday purchases (gas, grocery, cable TV, phone, and utilities); 1x Priority Miles per $1 spent on everything else
- Earn unlimited Priority Miles that do not expire as long as you use your card or redeem within 24 months.
- Redeem your Priority Miles for travel whenever you want, with no restrictions. Redeem for Airline, hotel and car rental gift certificates, Cash back, Gift cards and more.
- Free membership in Mastercard Airport Experiences provided by LoungeKey, with two (2) complimentary airport lounge visits per year ($32 per person per visit thereafter).
- 4.99% intro APR on balance transfers
- High rewards rate
- Bonus categories
- No membership fees first year
- Membership fees in the second year
- Spending caps on rewards
- No rewards bonus
- No intro APR on purchases
- Travel Benefits such as Travel Assistance Services, Common Carrier Trip Cancellation/Trip Interruption, Travel Accident Insurance, MasterRental Coverage and Lost Luggage Insurance.
- Purchase Benefits: Purchase Assurance, Mastercard ID Theft Protection.
- See More Details & Reviews About TheFirst Hawaiian Bank Priority Destinations World Elite Mastercard
Questions & Answers
Comparing low interest miles credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered.show more
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