When shopping for a credit card pay attention to introductory and ongoing interest rates. You will benefit a lot from 0 credit cards. Zero introductory APR will considerably save your money. Low ongoing APR will make using the card cheap. It is really a privilege to have low credit rates. Here you will find the best offers of such kind. Review them carefully and choose what suits you most.

Best Expert Opinions

Lowest APR Credit Cards

Best Credit Cards from
Credit-Land.com

0% Intro APR.
No Annual Fee.
Great Rewards Programs.

0% Intro APR on
Purchases & BT

Discover® Card
Discover® More Card - Black

0% intro APR on balance transfers for a full 12 months, then the Regular APR.
0% intro APR on purchases for a full 9 months, then the Regular APR.
5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more.
Up to 1% unlimited Cashback Bonus on all other purchases.
No Annual Fee.
5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall.
Unlimited cash rewards that never expire.
Turn your Cashback Bonus into bigger rewards every time you redeem for gift cards or instant eCertificates from over 100 brand-name Partners.
Flexible redemption options with no redemption fee. Choose from Partner gift cards, merchandise, Discover gift cards, credit to your Discover card account or an electronic deposit to your bank account.

0% APR on Balance Transfers for 15 months

Citibank
Citi® Dividend Platinum Select® MasterCard®

0% Intro APR on Balance Transfers for 15 months. After that, the APR will be 12.99%-20.99% based on your creditworthiness.²⁶ This APR will vary with the market based on the Prime Rate.
No annual fee.²⁶
Earn 5% cash back at restaurants and on car rentals and hotels from 7/1/10 to 9/30/10. Enrollment required each quarter.
Full 1% cash back on eligible purchases and cash advances.
Earn extra cash back on popular, rotating categories each quarter.
Average 5% additional cash back through Citi Bonus Cash Center®.

Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable

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Topic: Slight Alterations of Credit Card Interest Rates

Is your standard rate \"Fixed or Variable\"?

When applying for a credit card you should pay your attention to the terms and conditions. They are usually given in fine print. The APRs may vary significantly. The card issuers are obliged to notify you about all the rates alterations. You will be informed by mail. Your rates may vary quarterly or monthly, so study the terms and conditions carefully and manage your finances smartly.

Is there a credit card you would recommend for medical expensenes not covered by insurance?

If you plan some big one-time purchases, a new card with a 0% APR will be the best solution for you. Review Blue or Blue Cash from American Express®. They both give zero interest rates on new purchases for up to 12 months, plus they come with no annual fee. With Blue Cash, you can also earn valuable cash back rebates on your new purchases.

If you want to obtain the card that comes with no fees, consider American Express Clear. It provides 0% APR on purchases for up to 12 months. If your credit score is in a good standing, you have all the chances to apply for one of these cards.