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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, 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…show more

    3.5 3,141 reviews

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone
    • Purchase Intro APR 0% for 12 months
    • Transfer Intro APR Not Offered
    • Regular APR 12.24% - 22.24% (V)
    • Annual Fee None
    • Rewards Rate 1.25 miles / $1
    • Rewards Bonus 20,000 miles
    • Minimum Credit Good
    • Rewards Details
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel
    • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
    • Fly any airline, stay at any hotel, anytime
    • Travel when you want with no blackout dates
    • Miles don’t expire and there’s no limit to how many you can earn
    • Additional Info
    • Enjoy a low intro APR on purchases for 12 months; 12.24%-22.24% variable APR after that
    • No foreign transaction fees
    • Fraud Coverage - You're covered by $0 Fraud Liability if your card is ever lost or stolen
    • Complimentary concierge service - Enjoy assistance 24 hours a day, from home and when you travel
    • Emergency Card Services - If your credit card is lost or stolen, you can get an emergency card replacement and a cash advance with MasterCard® Global Service
    • See More Details & Reviews About The Capital One® VentureOne® Rewards Credit Card
    4 242 reviews

    Barclaycard Ring MasterCard®


    barclaycard ring
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 8.25% (V)
    • Annual Fee None
    • Rewards Rate None
    • Minimum Credit Excellent
    • Rewards Details
    • Additional Info
    • No Balance Transfer Fees - start saving immediately!
    • A low variable APR on balance transfers and purchases
    • No Annual Fee
    • Choose your card benefits and features
    • Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
    • Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
    • Learn more about personal finance from Barclaycard and other members
    • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account
    • See More Details & Reviews About The Barclaycard Ring MasterCard®
    3.5 188 reviews

    Simmons Bank Visa® Platinum


    simmons first visa platinum
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 7.50% (V)
    • Annual Fee None
    • Rewards Rate None
    • Minimum Credit Excellent
    • Rewards Details
    • Additional Info
    • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
    • Low 7.50% variable standard purchase APR and platinum benefits
    • No balance transfer fee for balances transferred in response to this online offer
    • No Annual Fee
    • See More Details & Reviews About The Simmons Bank Visa® Platinum
    4 60 reviews

    USAA Preferred Cash Rewards Visa Signature®


    usaa preferred cash rewards visa
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 12.15% - 26.15% (V)
    • Annual Fee None
    • Rewards Rate 1.5% Cash Back
    • Rewards Bonus None
    • Minimum Credit Good
    • Rewards Details
    • Earn 1.5% cash back on your everyday purchases
    • 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 12.15% and 26.15% , 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.
    • See More Details & Reviews About The USAA Preferred Cash Rewards Visa Signature®
    4 278 reviews

    The JetBlue Card


    jetblue credit card
    • Purchase Intro APR Not Offered
    • Transfer Intro APR 0% for 12 months 3% (min $5) Transfer Fee
    • Regular APR 12.24% - 25.24% (V)
    • Annual Fee None
    • Rewards Rate 1 - 3 points / $1
    • Rewards Bonus 5,000 points
    • Minimum Credit Good
    • Rewards Details
    • Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
    • Earn 3 points per $1 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 including cocktails, food and movies
    • Additional Info
    • No foreign transaction fees
    • Chip-card technology & $0 Fraud Liability protection
    • 0% introductory APR for first 12 billing cycles on balance transfers made within 45 days of account opening. After that a variable APR will apply, 12.24%, 20.24% or 25.24%, based on your creditworthiness.
    • See More Details & Reviews About The The JetBlue Card
    4 231 reviews

    USAA Rewards™ Visa®


    usaa point rewards visa
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 10.15% - 26.15% (V)
    • Annual Fee None
    • Rewards Rate 1 point / $1
    • Rewards Bonus 2,500 points
    • Minimum Credit Good
    • Rewards Details
    • 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 10.15% and 26.15% 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.
    • See More Details & Reviews About The USAA Rewards™ Visa®
    3 95 reviews

    USAA Military Affiliated Credit Cards


    usaa military credit card
    • Purchase Intro APR Not Offered
    • Transfer Intro APR 0% for 12 months 3% (max $200) Transfer Fee
    • Regular APR 11.15% - 26.15% (V)
    • Annual Fee None
    • Rewards Rate 1 point / $1
    • Rewards Bonus 2,500 points
    • Minimum Credit Good
    • Rewards Details
    • 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
    • Additional Info
    • Cash Advance Fee is waived when you transfer funds electronically from your USAA credit card to your USAA Bank deposit account
    • See More Details & Reviews About The USAA Military Affiliated Credit Cards
    4 181 reviews

    USAA Rewards™ American Express® Card


    usaa american express
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 10.15% - 26.15% (V)
    • Annual Fee None
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus 2,500 points
    • Minimum Credit Good
    • Rewards Details
    • 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 10.15% and 26.15% 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.
    • See More Details & Reviews About The USAA Rewards™ American Express® Card
    4 88 reviews

    Simmons Bank Visa® Platinum Rewards


    simmons first visa platinum rewards
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 9.50% (V)
    • Annual Fee None
    • Rewards Rate 1 point / $1
    • Rewards Bonus None
    • Minimum Credit Excellent
    • Rewards Details
    • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
    • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
    • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
    • Additional Info
    • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
    • Low 9.50% variable standard purchase APR and platinum benefits
    • No balance transfer fee for balances transferred in response to this online offer
    • No Annual Fee
    • See More Details & Reviews About The Simmons Bank Visa® Platinum Rewards
    4 944 reviews

    Citi® Diamond Preferred® Card


    citi diamond preferred card
    • Purchase Intro APR 0% for 21 months
    • Transfer Intro APR 0% for 21 months 3% (min $5) Transfer Fee
    • Regular APR 12.24% - 22.24% (V)
    • Annual Fee $0*
    • Rewards Rate None
    • Minimum Credit Excellent
    • Rewards Details
    • Additional Info
    • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24%-22.24% based upon your creditworthiness.*
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
    • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
    • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
    • Free access to FICO® Scores*
    • No annual fee*
    • See More Details & Reviews About The Citi® Diamond Preferred® Card
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    Credit Score
    Excellent Credit 721 – 850
    Good Credit 661 – 720
    Fair Credit 620 – 660
    Bad Credit 300 – 619
    Limited Credit Less than 3 years
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    Community Discussion

    Ask a question or help others find the best low interest credit cards for excellent credit by sharing some tips.

     
    Feb 20, 2015
    By:
    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.