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Best Credit Card Interest - The Best Credit Card Interest Rates Available

citi platinum select mastercard: discover more card: capital one platinum prestige: citi dividend platinum select mastercard: chase freedom visa:

The most important thing to consider when shopping around for a new credit card is the interest rate. The interest that you get charged for each purchase you make with your credit card can build up over time, and quite a bit faster than you might think. Finding the best credit card interest rate possible is an absolute necessity if you want to save yourself some money and avoid falling in to debt. Here are some of the credit cards with the lowest fixed annual percentage rate (APR) or the lowest introductory APR.

Citi Platinum Select MasterCard:

Purchases made using this card are charged no interest for the first year, and balance transfers for the first eighteen months are also free of interest. This is an excellent option for customers with a good or excellent credit rating. The card has no annual fee. After the introductory rate expires, the balance transfer fee becomes fixed at five percent, with a ten dollar minimum and no maximum. The benefits made available to customers are comparable to most platinum cards. Among them are car rental insurance, protection from fraudulent activity, and retail protection insurance. The card is no intended for people with low or average credit scores.

Discover More Card:

This card also offers the best credit card interest rate available for the first six months, zero percent APR. Balance transfers are free for a year. If you spend more than five hundred dollars on the card in the first three months, you will also get a seventy five dollar bonus in cash. You can also earn a five percent bonus for services such as gasoline, travel, movies, restaurants, among others. Each program has a set limit of spending for the bonus. For all other buys, you can receive as much as a one percent bonus within spending limits. After you spend more than three thousand dollars in a year, the one percent bonus becomes unlimited. There is no limit on the number of rebates that can be accumulated, and they do not expire with time. Available benefits include car rental insurance, and five hundred thousand dollars of travel accident insurance. Be cautious, however. If you close the account or fail to spend the minimum amount within the allotted time, you will not receive the seventy five dollar bonus.

Capital One Platinum Prestige:

Purchases and balance transfers on this card will not be charged interest until July of 2011. This card is only available to people who have an excellent credit rating. There is no annual fee, the interest rate is low, and the available benefits are great. Among them are warranties on your purchases, car rental insurance, travel accident insurance, as well as roadside assistance in case your car breaks down on the highway. There is no extra fee for purchases made outside of the United States. This card is a great option for people who want to transfer their cash balance over from a card with a higher interest rate.

Citi Dividend Platinum Select MasterCard:

This card charges no interest on balance transfers for the first fifteen months. It is designed for people with good or excellent credit. You get a one percent cash back bonus on selected merchandise. Transactions of over fifteen hundred dollars will earn you a five dollar bonus. Until the end of September, this card will also give you a five percent bonus on hotels, car rentals, and restaurants. After the first fifteen months, be warned that the balance transfer fee goes up to five percent, with a ten dollar minimum.

Chase Freedom Visa:

This is a good option made available to people who have good or great credit ratings and would like a cash rewards card. You can earn a five percent bonus when you make purchases within a set of categories that are periodically rotated. These categories include department stores, home improvement, and gasoline. The bonus requires you to spend a minimum amount each quarter year. All other purchases will earn you a one percent rebate. If you spend eight hundred dollars in the first three months you will earn a hundred dollar cash back bonus. If you shop through the Chase online store you can earn as much as a ten percent bonus. There is a five percent balance transfer fee and a three percent international payment charge.

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