Add Captcha
Enter the text shown above:
Added January 12, 2012 from: Joe Taylor Jr.
Rate now
Average Rating
Answered By Joe Taylor Jr.:

A FICO score in the mid-to-high 700s won't get you access to unlimited credit, but it will open up plenty of attractive credit card deals. We've got three that might fit your needs.

If you had asked that question a few years ago, I would have answered that you'd probably qualify for just about any credit card deal in our database. Times have changed, though, and a 767 score only puts you in what banks would call the "good credit" category. You haven't told me what you'll want to do with that high credit line, so I'll give you some suggestions based on what we see most often here in the mailbag:

  • Long-term savings -- Iberiabank Visa Classic. One of the best low interest credit cards comes from a bank you've probably never heard of. Your FICO score might just help qualify you for a variable purchase rate that's just 4 percent above the Prime Rate, which is the lowest rate tier of what Iberiabank offers for this card. At the end of the first quarter of 2014, that's just 7.25 percent variable APR for purchases, a few full percentage points lower than most other cards on the market. The specific purchase APR rate tier that is assigned to individuals that are approved for this card is based on their creditworthiness and other factors and varies with the market based on the Prime Rate.

As you compare credit cards online, remember that most banks trade rewards for higher APRs. If a low interest card is your biggest goal, look for "no frills" credit cards that give you plenty of headroom. Take advantage of balance transfer offers to even out your credit utilization across all your accounts, so you can maintain that above-average credit score.

This question is about:  Low Interest Credit Cards
1 Responses to "I have a FICO score of 767 and I'm looking for a credit card with a low APR and a high credit line. Can you recommend any cards with those specs?"
  1. andrew mitchell March 17, 2014 at 9:41 pm

    I disagree...i have iberia bank 7.24% credit card and it is amazing but its 2nd best credit card available for excellent credit over 750 credit score. By far, First Command Credit Card is the best low interest credit card available with its 6.25% interest rate for BOTH purchases and transfers. Plus no balance transfer fees or annual fees. And they give much higher credit limits than Iberia does. With my low income of $25,000/year, Iberia classic gave me only $2,500 whereas First Command Platinum gave me $5000 credit limit.


Leave a Comment
Related Questions:
Most Recent Questions:
Most Popular Questions:
Related Articles:
How to find the best Cash Back credit card?
Top articles from Joe Taylor Jr.