Low Interest Credit Cards for Excellent Credit

Low interest credit cards for excellent credit are exactly what they sound like they’d be: credit cards requiring excellent credit for approval that offer low interest rates for the duration of card use. In fact, … show morethe cards listed below have some of the lowest regular rates available on the market and can therefore help you save on interest if you routinely revolve credit card debt. However, if you often find yourself unable to pay for your monthly purchases in full, some spending adjustments as well as an excellent credit balance transfer credit card might actually be of greater service than a low interest credit card for excellent credit. And if you are simply looking for a credit card that will allow you to pay down a future big-ticket purchase over time without incurring exorbitant interest charges, there’s no reason to even bother with low regular rate credit cards for excellent cr… show moreedit, since you can qualify for an excellent credit 0% credit card. Whatever route you wind up taking to save on interest, just make sure to compare a few card offers before applying online. Check out the credit offers below (some of which are issued by WalletHub partners) to find the card that best suits your needs. show less

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Excellent Credit

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Showing 1 – 10 of 35

Capital One® Quicksilver® Cash Rewards Credit Card

4,547 Reviews

Purchase Intro APR

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0% for 15 months

Transfer Intro APR

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0% for 15 months | Transfer Fee: 3%

Regular APR

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16.24% - 26.24% (V)

Annual Fee

Rewards Rate

1.5% Cash Back

Rewards Bonus

$150

Rewards Bonus

$150

Minimum Credit

Good

Apply Now

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Rewards Details

One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn

Additional Info

0% intro APR on purchases for 15 months; 16.24%-26.24% variable APR after that
0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Pay no annual fee or foreign transaction fees
See More Details & Reviews About TheCapital One® Quicksilver® Cash Rewards Credit Card

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Discover it® Balance Transfer

621 Reviews

Rates & Fees

Purchase Intro APR

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0% for 6 months

Transfer Intro APR

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0% for 18 months | Transfer Fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Regular APR

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14.24% - 25.24% (V)

Annual Fee

Rewards Rate

1 - 5% Cash Back

Rewards Bonus

None

Minimum Credit

Good

Apply Now

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Rewards Details

INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Redeem cash back any amount, any time. Rewards never expire.

Additional Info

100% U.S. based customer service.
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
No annual fee.
See More Details & Reviews About TheDiscover it® Balance Transfer

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Discover it® Cash Back

1,149 Reviews

Rates & Fees

Purchase Intro APR

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0% for 14 months

Transfer Intro APR

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0% for 14 months | Transfer Fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Regular APR

→

14.24% - 25.24% (V)

Annual Fee

Rewards Rate

1 - 5% Cash Back

Rewards Bonus

None

Minimum Credit

Good

Apply Now

Show Details Hide Details

Rewards Details

INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
Plus, earn unlimited 1% cash back on all other purchases - automatically.
Redeem cash back any amount, any time. Rewards never expire.
Use your rewards at Amazon.com checkout.

Additional Info

Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
No annual fee.
See More Details & Reviews About TheDiscover it® Cash Back

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Capital One® SavorOne℠ Cash Rewards Credit Card

43 Reviews

Purchase Intro APR

→

0% for 15 months

Transfer Intro APR

→

0% for 15 months | Transfer Fee: 3%

Regular APR

→

16.24% - 26.24% (V)

Annual Fee

Rewards Rate

1 - 3% Cash Back

Rewards Bonus

$150

Rewards Bonus

$150

Minimum Credit

Good

Apply Now

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Rewards Details

Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn

Additional Info

0% intro APR on purchases for 15 months; 16.24% - 26.24% variable APR after that
0% intro APR on balance transfers for 15 months; 16.24% - 26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
No foreign transaction fee
No annual fee
See More Details & Reviews About TheCapital One® SavorOne℠ Cash Rewards Credit Card

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BankAmericard® credit card

519 Reviews

Purchase Intro APR

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0% for 18 billing cycles

Transfer Intro APR

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0% for 18 billing cycles for balance transfers made in the first 60 days See details for transfer fee

Regular APR

→

15.24% - 25.24% Variable

Annual Fee

Rewards Rate

None

Minimum Credit

Excellent

Apply Now

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Additional Info

0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.24% - 25.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
No annual fee
No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply
Access your FICO® Score for free within Online Banking or your Mobile Banking app
See More Details & Reviews About TheBankAmericard® credit card

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Capital One® VentureOne® Rewards Credit Card

4,757 Reviews

Purchase Intro APR

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0% for 12 months

Transfer Intro APR

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Not Offered

Regular APR

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14.24% - 24.24% (V)

Annual Fee

Rewards Rate

1.25 miles / $1

Rewards Bonus

20,000 miles

Rewards Bonus

20,000 miles

Minimum Credit

Good

Apply Now

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Rewards Details

Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
Earn 1.25X miles on every purchase, every day
Earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
Transfer your miles to over 12 leading travel loyalty programs
Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
Miles won't expire for the life of the account and there's no limit to how many you can earn

Additional Info

$0 annual fee and no foreign transaction fees
Enjoy 0% intro APR on purchases for 12 months; 14.24% - 24.24% variable APR after that
See More Details & Reviews About TheCapital One® VentureOne® Rewards Credit Card

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Blue Cash Everyday® Card from American Express

2,632 Reviews

Rates & Fees Rates & Fees | Terms Apply

Purchase Intro APR

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0% for 15 months

Transfer Intro APR

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0% for 15 months | Transfer Fee: 3% (min $5)

Regular APR

→

15.24% - 26.24% (V)

Annual Fee

Rewards Rate

1 - 3% Cash Back

Rewards Bonus

$150

Rewards Bonus

$150

Minimum Credit

Good

Terms Apply Apply Now

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Rewards Details

Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
Terms Apply.

Additional Info

Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
No annual fee.
See More Details & Reviews About TheBlue Cash Everyday® Card from American Express

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U.S. Bank Cash+™ Visa Signature® Card

178 Reviews

Purchase Intro APR

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Not Offered

Transfer Intro APR

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0% for 12 billing cycles* | Transfer Fee: 3% (min $5)

Regular APR

→

16.24% - 25.74% (V)

Annual Fee

Rewards Rate

1 - 5% Cash Back

Rewards Bonus

$150

Rewards Bonus

$150

Minimum Credit

Good

Apply Now

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Rewards Details

New Cardmember bonus: $150 after you spend $500 in eligible net purchases in the first 90 days of account opening.
5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose.
2% cash back on your choice of one everyday category, like gas stations or grocery stores.
1% cash back on all other eligible net purchases.
No limit on total cash back earned.

Additional Info

0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 16.24% - 25.74%
No annual fee*
Great Offer from U.S. Bank, a 2019 World's Most Ethical Company® - Ethisphere Institute, February 2019
See More Details & Reviews About TheU.S. Bank Cash+™ Visa Signature® Card

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Capital One® Savor® Cash Rewards Credit Card

20 Reviews

Purchase Intro APR

→

Not Offered

Transfer Intro APR

→

Not Offered

Regular APR

→

16.74% - 25.74% (V)

Annual Fee

$0 for 1st yr, $95 after

Rewards Rate

1 - 4% Cash Back

Rewards Bonus

$300

Rewards Bonus

$300

Minimum Credit

Good

Apply Now

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Rewards Details

Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn

Additional Info

No foreign transaction fees
Capital One cardholders get access to premium experiences in dining, entertainment and more
$0 intro annual fee for the first year, $95 after that
See More Details & Reviews About TheCapital One® Savor® Cash Rewards Credit Card

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Discover it® chrome

99 Reviews

Rates & Fees

Purchase Intro APR

→

0% for 14 months

Transfer Intro APR

→

0% for 14 months | Transfer Fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Regular APR

→

14.24% - 25.24% (V)

Annual Fee

Rewards Rate

1 - 2% Cash Back

Rewards Bonus

None

Minimum Credit

Good

Apply Now

Show Details Hide Details

Rewards Details

INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
Redeem your cash back for any amount, any time. Cash rewards never expire.

Additional Info

100% U.S. based customer service.
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
No annual fee.
See More Details & Reviews About TheDiscover it® chrome

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NO FOREIGN FEE

Last Updated On: May 24, 2018

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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

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Comparing Low Interest Credit Cards for Excellent Credit can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share...show moreshow less

Brandi Alexa @christina_gee_3979

February 20, 2015

Low interest rates are certainly an important characteristic of a credit card for me. Low interest rates can save the consumer hundreds if not thousands of dollars. I had a credit card with a 21% interest rate at one point, and my interest on my statements was just completely over the top. I transferred the balance on this card to another card with a 10% interest rate and was able to start paying off more of the base and less interest. Low interest is certainly important.

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Low Interest Credit Cards for Excellent Credit

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Brandi Alexa @christina_gee_3979

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