Finding a credit card with low interest rates should be foremost in the mind of anyone looking to open a credit card account. Getting the lowest credit card rates can be a difficult prospect for those with a poor credit history, which is just that much more reason to make sure you always pay your bills on time, don’t exceed your balance limit, and make wise purchases.
If you have managed to maintain and build a good credit history, here’s a look at some of the best credit card offers out there today. Some of them offer extremely tempting introductory offers, while others offer low regular rates. All of them require that your credit be good to excellent, so if you have a spotty credit history, you may want to start looking elsewhere.
Citi Platinum Select Card
The Platinum Select Card from Citi bank offers one of the best introductory rates on the market today. If you’re looking for a quality credit card that offers 0% interest for the first twelve months on all balance transfers and purchases, this is the card you need to be looking at.
It requires a good credit history, but as long as you have that, you will be able to qualify for this stunning introductory rate. There are also no annual fees, which further sweetens the deal. Fees are often hidden in the works for credit cards which offer low introductory rates, and even those which offer good regular APR. Not so with the Citi Platinum Select Card. They also offer online account management, and you are not held responsible for any fraudulent charges.
All of this combines to make the Citi Platinum Select Card one of the finest credit cards out there. If your credit history is spotless, apply for one and you’ll have an interest free year to make purchases.
Discover More Card
The Discover More Card, much like the Citi Platinum Select, offers 0% interest on purchases and balance transfers for the first twelve months. Competing with Citibank for the best introductory offer in the country, the Discover More Card also promises a solid program in which you can earn cash back on purchases by using the card.
This includes a 5% cashback bonus program when you use the card for travel purposes, gasoline purchases, and at restaurant and movies. They also have a selection of seventy Cashback Bonus Partners where you can increase your rewards by redeeming for gift cards.
Blue from American Express
The American Express Blue Card again comes with a tempting introductory offer, beating even that of the Discover card and the Citibank card. Offering up to fifteen months of interest free purchases, the American Express Blue Card should be at the top of any consumer’s short list of the lowest credit card rates in the country.
Other benefits include no annual fees, and a low balance transfer APR for the life of the balance. After the introductory period, the American Express Blue card goes on to offer a low, 12.24% regular APR, which is competitive with any card on the market.