Do you pay all of your credit card balance off each and every month? If the answer is no or only sometimes, then you should seriously consider getting a low interest rate credit card and start saving now.
The regular interest rate that you receive will depend on your credit score. A higher credit score will get you a lower interest rate or the lowest rate that the credit card company provides. If you aren't sure which cards you could qualify for, you should consider getting a copy of your credit report before you shop.
Save even more, by transferring all of your high interest rate balances to a zero or low fixed rate apr credit card. The Wall Street Journal also gives recommendations for how to cash in on 0% offers. If you’re the owner of a small to medium sized business, you should review low interest credits or balance transfer credit card for businesses. A separate business credit card will help you free up cash flow and manage your business finances better.
| Intro APR: | 0% |
|---|---|
| Regular APR: | As Low As 8.49% |
| Annual Fee: | None |
| Intro Period: | up to 12 Months |
|---|---|
| Balance Transfer: | Yes* |
| Credit Needed: | Good |
Don't know your Credit Score? Click here
| Intro APR: | 0% |
|---|---|
| Regular APR: | 8.90% |
| Annual Fee: | None |
| Intro Period: | Until October 2009 |
|---|---|
| Balance Transfer: | Yes |
| Credit Needed: | Excellent |
Don't know your Credit Score? Click here
| Intro APR: | 0% |
|---|---|
| Regular APR: | As Low As 8.99% |
| Annual Fee: | None |
| Intro Period: | Up to 12 Months |
|---|---|
| Balance Transfer: | Yes* |
| Credit Needed: | Good |
Don't know your Credit Score? Click here
| Intro APR: | 0% |
|---|---|
| Regular APR: | 10.99% |
| Annual Fee: | None |
| Intro Period: | 12 Months |
|---|---|
| Balance Transfer: | Yes* |
| Credit Needed: | Good |
Don't know your Credit Score? Click here
| Intro APR: | 0% |
|---|---|
| Regular APR: | 12.90% |
| Annual Fee: | None |
| Intro Period: | Until October 2009 |
|---|---|
| Balance Transfer: | Yes |
| Credit Needed: | Good |
Don't know your Credit Score? Click here
| Intro APR: | 0% |
|---|---|
| Regular APR: | 10.49% |
| Annual Fee: | None |
| Intro Period: | 12 Months |
|---|---|
| Balance Transfer: | Yes* |
| Credit Needed: | Good |
Don't know your Credit Score? Click here
| Intro APR: | N/A |
|---|---|
| Regular APR: | 7.99%-17.99% |
| Annual Fee: | None |
| Intro Period: | N/A |
|---|---|
| Balance Transfer: | Yes* |
| Credit Needed: | Excellent |
Don't know your Credit Score? Click here
| Intro APR: | 0% |
|---|---|
| Regular APR: | As Low As 9.99% |
| Annual Fee: | None |
| Intro Period: | up to 12 Months |
|---|---|
| Balance Transfer: | Yes* |
| Credit Needed: | Good |
Don't know your Credit Score? Click here
1. For most "low interest credit cards", there are two rates. The rate which tends to be the most appealing to potential credit card applicants is the introductory rate offered on purchases and transfers - this tends be either 0% or in the single digits. Therefore, you should determine or make a note of what is the interest rate being offered for the introductory period (e.g. 12 months) and what interest rate is being offered after that time - the regular interest rate.
2. What is your approximate credit score. If you have a good idea, then you probably don't need to submit for a copy of your credit report. However, your regular rate is determined based on your credit history. Sometimes people expect to get the advertised rate, typically the lowest interest rate offered, and they end up with a higher rate because the credit card company didn't qualify their credit score their lowest consumer rate tier.
3. Don't miss your minimum monthly payment, otherwise your introductory rate will turn into your regular interest rate.
For more information about low interest credit cards, we have specific articles on fixed rate credit cards, low apr credit cards, low interest cards with no fees, and how cash advances relate to low interest credit cards.
Other resources which are extremely helpful for offering a guide on credits cards are listed below:
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