Marshall Jamieson, WalletHub Finance Consultant
@bergman77
The best credit card rate for good credit is 0%. Most 0% APR credit cards require good credit or better for approval. That’s generally the starting point for people with credit scores from 700 to 749. But 0% rates are only temporary. Once they expire, you’ll pay the regular APR. In that sense, a good credit card rate for good credit is below 20%.
Interest rates are usually listed as a range. So, the higher your credit score, the better your chances of securing an interest rate at the low end of the range. Other factors such as your income and debt level also play a part in determining your interest rate.
Here are some good credit card rates for good credit:
The Wells Fargo Reflect card offers an intro APR of 0% for up to 21 months from account opening on both purchases and balance transfers. The card’s regular APR is 17.49% - 29.49% Variable. There’s also a balance transfer fee: 3% intro for 120 days, then up to 5% (min $5). This card has a $0 annual fee.
The U.S. Bank Platinum card offers an intro APR of 0% for 18 billing cycles on both purchases and balance transfers. The card’s regular APR is 19.24% - 29.24% (V). There’s also a 3% (min $5) balance transfer fee. This card doesn’t offer rewards and it has a $0 annual fee.
The Citi Diamond Preferred card offers an intro APR of 0% for 12 months on purchases and for 21 months on balance transfers. The card’s regular APR is 17.49% - 28.24% (V). There’s also a 5% (min $5) balance transfer fee. This card has a $0 annual fee.
The Capital One Quicksilver card offers an intro APR of 0% for 15 months on both purchases and balance transfers. The card’s regular APR is 19.24% - 29.24% (V). There’s also a 3% balance transfer fee. This card also offers 5% cash back on hotel and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases. The card has a $0 annual fee.
The Chase Freedom Unlimited card offers an intro APR of 0% for 15 months on both purchases and balance transfers. The card’s regular APR is 19.49% - 28.24% (V). There’s also a balance transfer fee: either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after). This card also offers 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1.5% back on all other purchases (plus an additional 1.5% cash back on everything, up to $20,000 spent the first year). The card has a $0 annual fee.
A good credit card rate for good credit can save you money if you’re paying down debt. But if you pay your credit card balance in full every month, a credit card’s interest rate will never be an issue. Maintaining a good payment history and reducing your debt-to-credit ratio will help raise your credit profile. In turn, it will improve your chances of qualifying for credit cards for excellent credit.

Chase Freedom Unlimited®
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