Bogdan Roberts, Credit Cards Moderator
@bogdan_roberts
One of the best Visa credit card interest rates is 14.5% - 22.5% (V) from the Simmons Bank Visa®. But you can do even better for a limited time with a credit card that offers a low introductory APR.
It’s worth noting that Visa credit cards’ interest rates aren’t actually set by Visa. The banks and credit unions that issue Visa credit cards control that. As a card network, Visa is more about where the card is accepted than anything else.
Visa Credit Card Interest Rates:
- Simmons Bank Visa®: Regular APR of 14.5% - 22.5% (V). Intro balance transfer APR of 0% for 12 months - transfers are subject to a 3% (min $10) fee. Requires excellent credit (a score of 750+).
- Bank of America Customized Cash Rewards credit card: Intro APR of 0% for 18 billing cycles. Intro balance transfer APR of 0% for 18 billing cycles for any balance transfers made in the first 60 days - transfers are subject to a 3% (min $10) fee. Regular APR of 18.24% - 28.24% Variable. Requires excellent credit (a score of 750+).
- Chase Sapphire Preferred® Card: Regular APR of 20.24% - 27.24% (V). Requires good credit (a score of 700+).
- Chase Freedom Unlimited: Intro APR of 0% for 15 months and a regular APR of 19.24% - 27.99% (V). Intro balance transfer APR of 0% for 15 months - transfers are subject to a fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after). Requires good credit (a score of 700+).
- Wells Fargo Active Cash® Card: Intro APR of 0% for 15 months from account opening and a regular APR of 19.24% - 29.24% Variable. Intro balance transfer APR of 0% for 15 months from account opening on qualifying balance transfers - transfers are subject to a 3% intro for 120 days, then up to 5% (min $5) fee. Requires good credit (a score of 700+).
- Costco Anywhere Visa® Card by Citi: Regular APR of 19.49% (V). Requires excellent credit (a score of 750+).
- Credit One Bank® Platinum Visa®: Regular APR of 28.24% (V). Applicants can get approved with fair credit (a score of 640+).
Seeing a "(V)" after your card’s interest rate just means the rate is "variable" and can change a bit over time according to the economic climate.
Keep in mind that you won’t have to worry about interest if you pay in full every month. It’s definitely worth taking a look at this list of Visa cards as well to get a more comprehensive picture of their interest rates.

2023's Best Visa Credit Cards
Compare CardsMary Trebiani, Member
@marystrebiani
That varies wildly, depending on what particular credit card you're talking about, and just generally on your credit file.
Thaddeaus O Rain, Member
@Technoferal
Not all Visa cards are created equal. It will depend on which bank you get it from. That should be part of the standard information provided for any of them.
People also ask
Malcolm Camps, Member
@malcolm_camps
Visa interest rates can vary depending on the issuer, or the type of card you have. They can be anywhere between 9% and 28%.
Did we answer your question?