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, the 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 credit, since you can qualify for anexcellent 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 moreshow less
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Redeem your cash rewards anytime using your mobile device or computer
There's no limit on the amount you can earn.
Additional Info
Special Benefits for Military: Deployment/PCS rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR, currently between 12.90% and 26.90% , will apply. This rate will vary with the market based on the prime rate.
Security Benefits: Chip technology has added security and greater acceptance worldwide. Identity theft resolutions services provides assistance should you become the victim of identity theft.
Enjoy no foreign transaction fees when you travel outside of the United States.
Earn 10,000 bonus points after spending $1,000 on purchases in the first 90 days
Earn 3 points per $1 spent on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases
No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking
Points awarded in your TrueBlue account don't expire
Earn and share points together with Family Pooling
50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
Earn one point for every dollar spent on your everyday purchases.
Get 2,500 bonus points with your first purchase.
No expiration date or caps on any points earned.
Redeem your points for cash, merchandise, gift cards or travel or donate to your favorite military affiliate group. Redeem for cash on your mobile device.
Additional Info
Special Benefits for Military: Deployment/PCS rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR of between 10.90% and 26.90% will apply. This rate will vary with the market based on the prime rate. Special 4% SCRA rate: When you have a balance on your account at the time you enter active military duty, get 4% APR on that existing balance until one year after you complete active duty.
Security Benefits: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide. Zero liability coverage for unauthorized transactions if your card is lost or stolen. Visa Auto Rental Collision Damage waiver insurance. Get account balances and transaction history by sending a text message.Access your account on usaa.com or from a mobile device.
You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
Redeem your cash back for any amount, any time. Cash rewards never expire.
Additional Info
New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
100% U.S. based customer service.
Get your FICO® Credit Score for free on monthly statements, on mobile and online.
No annual fee.
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Match Mile For Mile: We’ll match all the Miles you’ve earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
No Blackout Dates - fly any airline, stay at any hotel.
Redeem your Miles as a statement credit towards travel purchases.
Additional Info
New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
Get your FICO® Credit Score for free on monthly statements, on mobile and online.
No Annual Fee.
Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
Earn 2X points for every dollar on gas and grocery purchases all the time.
Earn one point for every dollar spent on your everyday purchases.
Get 2,500 bonus points with your first purchase.
Earn points without a cap or expiration. Redeem your points for cash, merchandise, gift cards, travel or donate to your favorite military affiliate group. Redeem for cash on your mobile device
Earn 2X points per dollar spent on gas and groceries with no caps.
Earn one point for every dollar spent on your everyday purchases.
Get 2,500 bonus points with your first purchase.
There’s no expiration date or caps on any points earned.
Redeem your points for cash, merchandise, gift cards or travel or donate to your favorite military affiliate group.
Additional Info
Special Benefits for Military: Deployment/PCS rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR of between 10.90% and 26.90% will apply. This rate will vary with the market based on the prime rate. Special 4% SCRA rate: When you have a balance on your account at the time you enter active military duty, get 4% APR on that existing balance until one year after you complete active duty.
Security Benefits: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide. Zero liability coverage for unauthorized transactions if your card is lost or stolen. Concierge services to assist with whatever you need, whenever you need it. Get account balances and transaction history by sending a text message.Access your account on usaa.com or from a mobile device.
Comparing Low Interest Credit Cards for Excellent Credit can be tough. But you’ve got the knowledgeable WalletHub community on your side. Other consumers have a wealth of knowledge to share, and we encourage everyone to do so 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.
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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† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.
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