What are good credit card rates for good credit?

The best credit card rate for good credit is 0%. Most 0% APR credit cards require good credit or better for approval. 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%.

That’s generally the starting point for people with credit scores from 700 to 749. 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:

• 0% APR for 14 months on purchases and balance transfers: Discover it Cash Back. Regular APR: 13.99% - 24.99% (V). 3% transfer fee. 5% cash back on purchases in categories that change quarterly and 1% on everything else. No annual fee.
• 0% APR for 18 months on balance transfers: Citi Double Cash. Regular APR: 15.49% - 25.49% (V). 3% transfer fee ($5 minimum). 2% cash back on all purchases; 1% when you buy and 1% when you pay. No annual fee.
• 0% APR for 12 months on purchases and balance transfers: EveryDay Credit Card from American Express. Regular APR: 14.99% - 25.99% (V). $0 transfer fee for the first 60 days. 10,000 bonus points when you spend $1,000 in the first three months. 2 points per $1 on the first $6,000 per year at supermarkets and 1 on everything else. No annual fee.
• 0% for 20 months on purchases and balance transfers: US Bank Visa Platinum Card. Regular APR: 11.99% - 23.99% (V). 3% transfer fee ($5 minimum). No rewards. No annual fee.
• 0% for 12 months on purchases and 21 on balance transfers: Citi Simplicity. Regular APR: 15.99% - 25.99% (V). 5% transfer fee ($5 minimum). No rewards. No annual fee.
• Regular APR: 14.74% - 24.74% (V): Capital One Venture Rewards. No introductory 0% APR. 50,000 bonus miles when you spend $3,000 in the first three months, worth $500 in travel. 2 miles per $1 on all purchases. No annual fee for first year, $95 after.

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.