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Best Low Interest Visa Credit Cards
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LOW INTEREST VISA CREDIT CARDS
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- No annual card fee
- Intro APR on purchases
- Intro APR on balance transfers
- No foreign fee
- No rewards
- No initial rewards bonus
- Balance transfer fee
- Requires good/excellent credit
- Low regular APR
- Qualify with bad credit
- Membership fees
- Foreign fee
- Requires security deposit
- $0 annual fee
- 1 - 3% cash back
- $500+ credit limit
- APR up to 29.99%
- Rewards may take longer to get
- No grace period
- No membership fees
- Qualify with fair credit
- APR up to 29.99%
- No grace period
- No membership fees
- Low regular APR
- No foreign fee
- Qualify with limited or no credit history
- No membership fees
- 4.9% intro APR on purchases
- 5.9% intro APR on balance transfers
- No initial rewards bonus
- Foreign fee
- Requires excellent credit
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- No rewards
- No initial rewards bonus
- Balance transfer fee
- Foreign fee
- No membership fees
- Low regular APR
- Qualify with bad credit
- Foreign fee
- Requires security deposit
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- No initial rewards bonus
- Balance transfer fee
- Foreign fee
- No membership fees
- High rewards rate
- Bonus rewards categories
- No foreign fee
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 Visa® Platinum Card | 0% for 18 billing cycles | 19.49% - 29.49% (V) | $0 | Good |
| 0% Balance Transfers | Comerica Bank Visa® Platinum Card | 0% for 18 months | 18.99% - 28.99% (V) | $0 | Excellent |
| Low Regular Rate | Simmons Bank Rewards Visa Signature | Not Offered | 17.25% - 25.25% (V) | $0 | Good |
| Good Credit | USAA® Rate Advantage Visa Platinum® Card | Not Offered | 11.9% - 28.9% (V) | $0 | Excellent |
| Students | Bank of America® Customized Cash Rewards credit card for Students | 0% for 18 billing cycles | 17.99% - 27.99% Variable | $0 | Excellent |
| Bad Credit | Applied Bank® Secured Visa® Gold Preferred® Credit Card | Not Offered | 9.99% | $48 | Bad |
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.show more
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Featured Credit Cards
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