If you want a credit card with low annual percentage rate or APR, you should not expect numerous perks from it. However, you can still find credit cards that have low interest rates with cash back rewards and other benefits. While their rebates programs pale in comparison to cards with higher rates, you can save a huge amount of cash by not paying soaring APRs. What’s more, these credit cards often have no annual fees.
Like other credit cards, a Visa card has variable APR and will depend on the prime rate and your credit score. It is usually required that you have good to excellent credit to get approved of a Visa credit card that has no annual fee and low APR. Here are some of the credit cards that you might want to consider:
Capital One VentureOne Rewards Credit Card
This card has no annual fee even after a year of owning it. If you have excellent credit, you should really take a look at this credit card. Capital One VentureOne Rewards credit card is viewed as one of the best rewards cards for travelers as it provides less expensive fees than other airline credit cards. Each time you make a purchase, you will be rewarded with miles instead of points. You can redeem the miles for air tickets, gift certificates, or merchandise. Aside from not having an annual fee, you can also enjoy fee-free foreign transactions.
Simmons First Visa Platinum Rewards
Your excellent credit is your ticket to having a low APR on this card. The Simmons First Visa Platinum Rewards card has travel protection, such as car rental insurance and travel insurance. There is no annual fee for this Visa credit card as well. Every dollar you spend is converted into a mile. Once you have enough miles, you can turn them into hotel stays, cruises, and other travel-related expenses.
IberiaBank Visa Gold Cash Back Rewards Credit Card
If your application for IberiaBank Visa Gold Cash Back Rewards credit card gets approved, you can start enjoying the tons of features offered by this card. This card has no annual fee for as long as you have it. The APR is lower than other Visa credit cards and there is high credit limit for cardholders. The rebates you have earned will not expire and there is no yearly limit as to how much you accumulate. If you have good credit, you are advised to apply for this card. Cash advances are also low and this card also comes with travel accident insurance.
Citi Forward Card
Applying for a Citi Forward card entitles you to get bonus ThankYou points instantly. There is no APR for an introductory period. Though you have to pay for the APR once the introductory period expires, you can get a reduction if you are a good cardholder. Make sure that you stay within your credit limit and that you pay on time. This way, you will earn additional gift cards, merchandise, and other perks. All purchases you make against the card are equivalent to points. There is no annual fee for this card and it comes with huge rewards for the consumers.
Compare Visa credit cards with no annual fee and low APR below:
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