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Credit Card Applications » Questions » User Questions » Cash Back Rewards » I’ve got Valero card but haven’t used it yet. It has a 23% APR which is too much for me and my ...

I’ve got Valero card but haven’t used it yet. It has a 23% APR which is too much for me and my above 800 credit score. Considering the interest rate, the rebate per gallon is way too small. Is there a credit card with low APR and good cash back?

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Leo Zhu

There are cash back credit cards with low interest rates and with 0% intro APRs. These credit cards will allow you to earn cash back on gas purchases and on all other purchases. You can also find credit cards with sin up bonuses. Your ongoing interest rate will be determined by a credit card issuer based on your creditworthiness. So the better your credit score is, the lower your interest rate will be. But remember, you can avoid interest payments by paying off the card balance during grace period. Therefore, to maximize the card savings we recommend you to pay off the card balance every month.

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Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
For Excellent/Good Credit
2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases
For Fair Credit
Earn 1% cash back on gas and grocery purchases. Terms apply.
For Fair Credit

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