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Low Interest Credit Cards for Excellent Credit
WalletHub makes it easy to find the best credit card for you.
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 more… show more
show lessLOW INTEREST CREDIT CARDS FOR EXCELLENT CREDIT
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Wells Fargo Reflect® Card Wells Fargo Reflect® Card
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on qualifying balance transfers
- Reports to the three major credit bureaus
- No rewards
- No initial rewards bonus
- Balance transfer fee
- Foreign fee
Citi® Diamond Preferred® Card Citi® Diamond Preferred® Card
- 0% intro APR for 12 months on purchases
- 0% intro APR for 21 months on balance transfers
- $0 annual fee
- $150 initial bonus
- 5% (min $5) balance transfer fee
- Foreign transaction fee
- High regular APR
- No ongoing rewards
BankAmericard® credit card BankAmericard® credit card
- Low balance transfer intro APR for 21 billing cycles
- Low purchase intro APR for 21 billing cycles
- No annual fee
- Balance transfer fee of 3% (min $10)
- Very high regular APR
- Excellent credit required
Discover it® Cash Back Discover it® Cash Back
- Rewards earned in the first year get doubled
- Up to 5% cash back
- No annual fee
- 0% intro rates for 15 months
- Potential for a very high regular APR
- Bonus reward categories rotate, require quarterly signup and limit earnings
- Balance transfer fee
Bank of America® Travel Rewards credit card Bank of America® Travel Rewards credit card
- 25,000 points initial bonus ($250 in travel)
- 1.5 points / $1 spent
- No annual fee or foreign transaction fees
- User-friendly travel rewards redemption
- Very high regular APR
- Requires excellent credit
Bank of America® Unlimited Cash Rewards credit card Bank of America® Unlimited Cash Rewards credit card
- $200 initial bonus (online exclusive)
- 1.5% cash back on all purchases
- No annual fee
- Low intro APRs
- Potential for a very high regular APR
- 3% foreign transaction fee
Discover it® Balance Transfer Discover it® Balance Transfer
- No membership fees
- Intro APR on purchases
- Intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Rotating categories which require activation
- Balance transfer fee
Bank of America® Customized Cash Rewards credit card Bank of America® Customized Cash Rewards credit card
- $200 initial bonus (online exclusive)
- Up to 3% cash back
- No annual fee
- Potential for a very high regular APR
- 3% foreign-transaction fee
Upgrade Triple Cash Rewards Visa® Upgrade Triple Cash Rewards Visa®
- $0 annual fee
- 1 - 3% cash back
- $500+ credit limit
- APR up to 29.99%
- Rewards may take longer to get
- No grace period
Petal® 2 Visa® Credit Card Petal® 2 Visa® Credit Card
- No membership fees
- No foreign fee
- Qualify with limited or no credit history
- Does not require security deposit
- No rewards bonus
- No balance transfers allowed
Questions & Answers
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 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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Featured Credit Cards
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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