Low APR Credit Cards

Low interest credit cards are great for people who tend to pay minimum balance due to tight budget or those who want to finance their big holiday shopping lists. In addition to long-term low interest, there are cards that offer 0 apr for up to 12 months on purchases. But beware of the regular interest rate after the promotional period ends. Credit cards with low apr typically charge 6.5% to 15.99% interest. Read the terms and conditions carefully before applying for a low apr credit card online.

Two types of low apr credit cards are available to consumers today: fixed apr and variable apr. As the name implies - the fixed apr credit cards keep the same interest rate for a long period of time. They don't change often. However, card issuers can still change the fixed apr rate, but you will be notified of the change via regular mail or email. Variable apr credit cards are typically linked to the national prime rate. So whenever it changes, you credit interest rate will change too. If you are planning to pay just the minimum balance every month, the fixed apr is the way to go.

Credit cards with low interest rates generally require you to have a good or excellent credit history to be qualified for the lowest rate possible. Even if you don't get approved for a new card you can still call your existing card company to negotiate a lower rate on the card you have.

	5,000 Bonus Miles with the first use of your Card 0% Intro APR Earn 1 Mile for Every $1 You Spend No Blackout Dates with Air Travel Rewards
Rating Intro APR Intro Period Annual Fee APR Grace Period 0% 12 Months 29 0% 25 Days
	Earn a FULL 5% cash back on purchases at supermarkets, drugstores and gas stations Earn 1% on all other purchases 0% APR on balance transfers for 12 months Earn unlimited cash back by shopping within the Citi Dividend Merchant Network
Rating Intro APR Intro Period Annual Fee APR Grace Period 0% N/A 0 0% 0 Days
	0% introductory APR on purchases for up to 15 months 3.99% fixed APR on balance transfers for the life of the balance Free rewards program - Earn one point for virtually every dollar Earn points redeemable for travel, merchandise and more
Rating Intro APR Intro Period Annual Fee APR Grace Period 0% 15 Months 0 9.49% 20 Days
	Up to 2% in cash rebates at participating retailers Various card designs to select from. Up to $500,000 in travel accident insurance. Fraud and security protection services.
Rating Intro APR Intro Period Annual Fee APR Grace Period 0% 8 Months 0 9.99% 25 Days
	Up to 10% in cash rebates at participating retailers Various card designs to select from. Various Internet account related services. No liability for unauthorized transactions.
Rating Intro APR Intro Period Annual Fee APR Grace Period 0% 8 Months 0 9.99% 25 Days
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