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Low Interest Credit Cards for Excellent Credit

4.8 4.8 - 118 reviews for top rated card

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

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone rewards credit card
    • 0% Purchases until February 2016
    • 0% Transfers Not Offered
    • Regular Rate 11.9% - 19.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Miles
    • Initial Bonus 20,000 miles
    • Earn Rate 1.25 miles / $1
    • Enjoy a low intro APR on purchases until February 2016; 11.9%-19.9% variable APR after that
    • No foreign transaction fees
    • 100% free Capital One® Credit Tracker—see your monthly credit score anytime and get automatic alerts
    • $0 Fraud Liability if your card is lost or stolen.
    • 24-hour travel & emergency assistance gives you a replacement card and cash advance.
    • Auto rental insurance -- use your card to rent a car and you're covered for collision, damage, and loss.
    • Image Card -- personalize your card with an image of your choice.

    Citi Simplicity® Card


    citi simplicity credit card
    • 0% Purchases 18 months
    • 0% Transfers 18 months3% (min $5) Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0*
    • Rewards None

    Citi® Double Cash Card


    citi double cash card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% (min $5) Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0*
    • Rewards Cash Back
    • Initial Bonus None
    • Earn Rate 1% - 2% cash back
    • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness
    • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
    • No Annual Fee

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver cash rewards credit card
    • 0% Purchases until November 2015
    • 0% Transfers until November 20153% Transfer Fee
    • Regular Rate 12.9% - 22.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Cash Back
    • Initial Bonus $100
    • Earn Rate 1.5% cash back
    • 0% intro APR on purchases until November 2015; 12.9%-22.9% variable APR after that
    • Balance transfers also have a 0% intro APR until November 2015, a 3% fee applies to each balance transferred
    • Capital One® Credit Tracker — the free way to easily monitor your monthly credit score anytime, anywhere
    • Pay no annual fee or foreign transaction fees

    Chase Slate®


    chase slate
    • 0% Purchases 15 months
    • 0% Transfers 15 monthsNo Transfer Fee
    • Regular Rate 12.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0
    • Rewards None

    Blue Cash Everyday® Card from American Express


    american express blue
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 12.99%-21.99%
    Apply Now at issuer's secure site
    • Annual Fee $0
    • Rewards Cash Back
    • Initial Bonus $100
    • Earn Rate 1% - 3% cash back
    • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.

    Capital One® Platinum Prestige Credit Card


    capital one platinum prestige credit card
    • 0% Purchases until May 2016
    • 0% Transfers until May 20163% Transfer Fee
    • Regular Rate 10.9% - 18.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards None

    Blue Cash Preferred® from American Express


    american express blue cash preferred
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 12.99%-21.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $75
    • Rewards Cash Back
    • Initial Bonus $150
    • Earn Rate 1% - 6% cash back
    • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.

    U.S. Bank Visa® Platinum Credit Card


    us bank platinum credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 9.99% - 20.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0*
    • Rewards None

    Amex EveryDaySM Credit Card from American Express


    amex everyday credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Transfer Fee
    • Regular Rate 12.99% - 21.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Points
    • Initial Bonus 10,000 points
    • Earn Rate 1 - 2 points / $1
    • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.

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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:

    --Comment from Bee Heed--

    Feb 20, 2015
    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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