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Best Low Interest Visa Credit Cards
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COMPARE LOW INTEREST VISA CREDIT CARDS
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- High rewards rate
- 35,000 points initial rewards bonus
- No foreign transaction fee
- Membership fees
- No intro APR on purchases
- No intro APR on balance transfers
- Requires excellent credit
- No membership fees
- 0.99% intro APR for 12 months from account opening on balance transfers made in the first 60 days
- No balance transfer fee
- No foreign transaction fee
- No rewards
- No annual fee
- Low regular APR
- No foreign transaction fees
- No ongoing rewards
- No membership fees
- No balance transfer fee
- $250 cash back bonus offer
- No intro APR on purchases
- No membership fees
- 0.99% intro APR on purchases for 6 months from account opening
- High rewards rate
- Bonus rewards categories
- No initial rewards bonus
- No intro APR on balance transfers
- No membership fees
- High rewards rate
- $250 cash back bonus offer
- No intro APR on purchases
- Requires good/excellent credit
- $250 initial reward bonus
- High rewards rate
- No annual fee
- No foreign transaction fees
- No intro APR on purchases
- No intro APR on balance transfers
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- No foreign fee
- No rewards
- No initial rewards bonus
- Requires excellent credit
- No membership fees
- Low regular APR
- No foreign fee
- Qualify with limited or no credit history
- No membership fees
- High rewards rate
- No foreign fee
- No initial rewards bonus
- No intro APR on purchases
- No intro APR on balance transfers
- Requires excellent credit
What is the best Visa credit card with the lowest interest rate?
The best credit card and the credit card with the lowest interest rate often aren’t the same thing. For starters, if you plan to pay your credit card bills in full every month, interest rates won’t matter and the best card will be one with rewards. And if you do plan to carry a balance from month to month, how long you expect to spend repaying amounts owed is very important.
The lowest interest rate that anyone can pay is 0%, obviously. Some credit cards offer rates that low but only for a limited time. And when that time is up, regular APRs (usually rather high ones) take effect. But then again, other cards offer low regular APRs without the interest-free intro period.
So there’s a fair amount that goes into determining whether a low-rate credit card is right for you, as well as whether that low rate should be a special introductory offer or something with staying power. To help point you in the right direction, WalletHub compared hundreds of credit cards with low interest rates and picked the top Visa offers in the most popular categories.
Here are the best low interest Visa credit cards:
| Best For... | Card Name | Intro Rate | Regular APR | Annual Fee | Min. Credit Required |
| 0% Purchases | U.S. Bank Shield™ Visa® Card | 0% for 21 months on purchases and balance transfers | 16.99% - 27.99% (V) | $0 | Good |
| 0% Balance Transfers | Comerica Bank Zero+ Card | 0% for 21 months on purchases and balance transfers | 17.24% - 28.24% (V) | $0 | Good |
| Low Regular Rate | Simmons Bank Rewards Visa Signature | 0% for 12 months on balance transfers | 15.75% - 23.75% (V) | $0 | Good |
| Military | USAA Rate Advantage Credit Card | 0% for 15 months on balance transfers | 10.40% - 24.40% variable | $0 | Good |
| Students | Bank of America® Customized Cash Rewards credit card for Students | 0% for 15 billing cycles on purchases and balance transfers made in the first 60 days | 17.49% - 27.49% Variable | $0 | Excellent |
Now that you’ve met the best low interest Visa credit cards, it’s time to see what Mastercard, Discover and American Express offers bring to the table. After all, your card’s network won’t help you save on finance charges. So you need to compare all of the credit cards with the best rates.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
Questions & Answers
Comparing low interest visa credit cards 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. WalletHub independently collected information for some of the cards on this page.show more
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* The information about the following cards has been independently collected by WalletHub: Boeing Employees Credit Union Low Rate Credit Card, First Command Bank Classic Visa® Card, Fidelity® Credit Card, U.S. Bank Visa® Platinum Card, Comerica Bank Zero+ Card, Simmons Bank Rewards Visa Signature, and U.S. Bank Shield™ Visa® Card.
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