Low Interest Credit Cards Offer Shrewd SavingsLow Interest Credit Cards Offer Shrewd Savings

Credit card offers, including a variety of low interest credit cards, are easy to find. You hear about credit cards in discount stores while you check out, you read about credit cards in offers that come in the mail, and there are even times when you hear about credit cards when the phone disturbs an evening meal. It's easy to get a credit card, but it may not be as easy to find low interest rate credit cards.

Many of the easiest cards to get will generally have a higher interest rate. It may be a common practice to compare insurance rates and look through several car lots for the perfect vehicle, but if the same thoughtful research were applied to credit card offers, you could see significant annual savings.

Practicality of Low Interest Credit Cards

Low interest rate credit cards are an important tool in keeping excess consumer debt from tying you down in future financial affairs.

Some of the low interest credit cards that provides very few frills are found in the Visa? or MasterCard? offers, yet the offers last for a limited time. The fixed interest rates on these cards is among the lowest available. The credit cards were developed for those with an excellent credit history. Since the rate is one of the lowest available, proof of income and a tax return or pay stub are required to verify eligibility. An annual fee of $35 is charged to customers, but the significant decrease in interest rates may offset the additional fee. If you have good credit and excess consumer debt this may be one of the better low interest credit cards to consider.

Frills, but Low Interest Rates

For low interest rate credit cards with a rewards program, you might consider some of the American Express? card offers. This credit card does not charge an annual fee and provides an introductory 0% introductory rate for up to 15 months. The ongoing APR's are very competitive and comparably low after the introductory rate expires. Many consumers appreciate the ?Smart Chip? that provides online security for cardholders. Customers have also voiced appreciation for immediate notification of approval when applying online.

Americans are fond of cheap credit cards, so credit card companies are responding with low interest rate credit cards that respond to the spending habits of consumers.

Points of View

If you have significant consumer debt, but you also have good credit, you might want to consider some of the very attractive Visa? or MasterCard? offers that are available to help minimizing annual consumer debt. This is true even when the annual fee is factored into the equation.

If, however, your consumer debt is moderate, then a card like Blue from American Express? may provide a low rate with no annual fee and a rewards program that provide benefits with every future purchase.


Low interest rate credit cards offer a benefit from the very first day. With many companies offering a 0% introductory APR you can pay down debt more rapidly. The savings will far outweigh the time you take in reviewing offers and checking all applicable fees and services.

If you have good credit, there is no reason to accept a high interest credit card unless it provides a desired acceleration in bonus rewards. Just be sure to pay off your balance as quickly as possible if this is your choice of credit options.

by Robert Alan
References and Bibliography

For more information on finding the very best low interest credit cards, Robert Alan recommends that you visit CreditCardAssist.com

Rated:NR/0 Votes
Add To My Article Reading List
Add To My Article Reading List
Print Article
More Article By Robert Alan
More Article by Robert Alan
More Articles From Credit
More Articles From Credit
Related Articles and Readings
5 Ways to Find the Best Low Interest Credit Card for You By: Beth Derkowitz
If you're shopping around for a low interest credit card, chances are good that you already have good credit or you're looking to transfer high balances. In any case, you need to know a few things before you sign up.1. Shop aroundIf you're looking for a low interest credit ...
5 Reasons Why You Should Apply for a Low Interest Credit Card By: Alan Bernstein
Do you feel that you are paying too much on your credit card interests? Are you considering your options for lowering your credit card debt? If these are some of the questions in your mind, then you should consider getting a Low Interest Credit Card. With some conventional credit cards ...
Low Interest Credit Cards Shopping for the Best Available By: Robert Alan
Low interest credit cards are essential tools for the frequent credit card user. Because many people cannot pay off their credit cards entirely when the bill arrives each month, enrolling in a low interest rate credit card program can help you keep your interest rate fees to a minimum. There ...
Borrowing on a Credit Card By: Alastair Taylor
One of the easiest ways to borrow money of a financial institute is to use a Credit Card, available from all banks, building societies, and other financial organisations. The choices available are enormous, with a wide variety of interest charges, annual charges, loyalty schemes, and bonus points available. However there ...
Compare Credit Cards and Save By: Morgan Hamilton
Purchasing things with the use of credit cards is a more convenient way than purchasing with actual money. You do not need to carry around actual money, especially large purchases for home appliances and furniture.You need to present a small plastic card, which the merchant will swipe on a machine ...
The information provided in this article and/or the comments is the sole responsibility of their respective authors and does not necessarily reflect the opinion of ezinepost.com. ezinepost.com  does not endorse any article and/or comments published by our web users unless otherwise noted. 

Member Panel

login to submit articles and more


  • » Active Categories: 419
  • » Active Articles:252603
  • » Active Authors:31917
  • » Active Members: 38237
  • » Statistics Updated:
    - Tue Sep 1st, 2020 09:28AM EST