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Low APR Credit Cards

Compare the best low APR credit cards from the leading issuers including American Express, Chase, Capital One, Citi and Discover Card. Review the latest terms, features and benefits of the most popular offers currently on the market. Without question, if you carry a balance from one billing cycle to the next, as millions of Americans do, then you’ll absolutely want to find a credit card with a low interest rate.

Paying high interest rates on credit cards can be incredibly costly. You work hard for your money and the last thing you want to do is hand it over to banks and financial institutions in the form of interest payments. That is why it is incumbent upon you to find the best low APR credit cards.

APR stands for annual percentage rate. It is a mathematical formula that more or less dictates the cost of the credit that has been extended to you. It is commonly used for such things as personal loans, small business loans, mortgages, auto loans and, of course, credit cards.

There is another factor that adds to the cost of credit and that is the fees that are charged. They come in many forms including annual fees, balance transfer fees, cash advance fees, penalty fees and so on. Some or all of these may apply to any one given offer.

The fact of the matter is that due to credit card reform legislation the credit card issuers are now becoming more aggressive by charging increased fees or creating new ones for account holders. Be sure to carefully read the disclosure statement so that you are completely aware of any and all fees.

Now that we have discussed the costs of having a credit card, let’s now focus on some of the benefits. First and foremost, low APR credit cards give the cardholder options to pay in full when the bill arrives, or to make a partial payment and defer the balance.

They are quite convenient and offer an emergency source of financing that can be tapped into when needed. In addition, many credit cards offer rewards programs are tailored to the needs of individual cardholders. These programs include cash back rebates, travel rewards, discounts and so on.

Many credit card issuers have partnerships with leading retailers whereby they offer cardholders special deals and discounts on select purchases. Cash back credit cards such as the ones issued through Discover credit cards offer up to 5% cash rebates on goods and services that consumers use every day.

If you currently carry a balance on a high interest rate credit card then perhaps you would be interested in a balance transfer card. Many offer an introductory rate that has either a 0% APR, or a low interest rate for an introductory period of up to 12 months.

It is important that you identify exactly what your needs are. Take the time to carefully compare and review low interest credit cards in order to choose the one that best suits your credit needs.

Low APR credit cards are great if you can get them. The interest on credit card purchases can add up to big dollars if we are not careful. If you have good to excellent credit, let low interest be one of your first considerations when choosing the best credit card offers.

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