Low Interest Rewards Credit Cards

Excellent credit means low interest cards - apply here: CreditSoup Excellent Credit

Compare the best low interest rewards credit cards. most which have a 0% intro APR, and offer competitive , low interest rates lower than 10%. Low interest credit cards are recommended for people with excellent credit. All of our credit cards listed are unsecured low interest credit cards also known as Platinum low interest credit cards or low APR credit cards. In addition to Platinum credit cards having a low interest rate, you can also earn rewards such as cash back, airline miles, or travel and hotel rewards. Find your low rate credit card below.

Excellent credit means low interest cards - apply here: CreditSoup Excellent Credit

Petal® 2
Petal® 2


Intro (Purchases): N/A
Transfers: N/A
Purchase APR Rate: 16.74% - 30.74% Variable
Annual Fee: $0
Credit Needed: Excellent/Good/Limited/No Credit
Late Payment Fee: $0
  • No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
  • Variable APRs range from 16.74% - 30.74%
  • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
  • 1% cash back on eligible purchases right away
  • 2% - 10% cash back at select merchants
  • $300 - $10,000 credit limits
  • No credit score? No problem. If eligible, we'll create your Cash Score instead.
  • See if you're pre-approved within minutes without impacting your credit score.
  • Build credit alongside hundreds of thousands of Petal card members.
  • Petal reports to all 3 major credit bureaus.
  • No deposits required
  • Card issued by WebBank, Member FDIC
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Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®


Intro (Purchases): N/A
Intro (Balance Transfers): N/A
Purchase APR Rate: 14.99% - 29.99% APR
Annual Fee: $0
Credit Needed: Excellent, Good, Fair, Average
Credit Line: $500 - $50,000
Return Payment Fee: $0
Late Payment Fee: $0
Foreign Transaction Fee: $0
Rates & Fees
  • Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • $0 annual fee, $0 activation fees, $0 maintenance fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability

*To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

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Petal® 1
Petal® 1


Intro Rate: N/A
Intro (Purchases): N/A
Intro (Balance Transfers): N/A
Intro APR Period: N/A
Purchase APR Rate: 23.74% - 33.24% Variable
Annual Fee: $0
Credit Needed: Fair/Bad/Limited/No Credit
Return Payment Fee: Bounced payment fee up to $29.
Late Payment Fee: Late fees up to $29 for first late payment, $40 for second late payment.
  • $0 Annual Fee
  • Variable APRs range from 23.74% - 33.24%
  • $300 - $5,000 credit limits
  • Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
  • No credit score? No problem. If eligible, we'll create your Cash Score instead.
  • 2% - 10% cash back at select merchants
  • See if you're pre-approved within minutes without impacting your credit score.
  • No annual or foreign transaction fees.
  • Build credit alongside hundreds of thousands of Petal card members.
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments.
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC
Apply Now

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