Check the interest rate on your credit cards and you may be surprised by the percentage. Sadly, many consumers do not pay attention to the interest rate on their credit card accounts. This is dangerous because your interest rate affects your minimum payment, as well as the rate at which you’re able to pay down your balances. While credit history influences your interest rate, there’s no reason to pay a high rate if you have good to excellent credit. You can ask your credit card companies to lower your rates, but they may reject your request. If this happens, start shopping for a new credit card company — one that offers credit cards with low interest rates to people with a good credit history.
With this low-rate rewards credit card, you’ll pay 0% APR for the first 12 months. Thereafter, you will enjoy an interest rate as low as 11.90%. Earn 1.25 miles per every dollar you spend, plus a one-time bonus of 10,000 miles when you spend $1,000 in the first 90 days. Your reward points are redeemable for hotels, airline tickets, rental cars and restaurants. Miles never expire and you can fly on any airline. Plus, pay no foreign transaction fee when traveling abroad.
Enjoy 0% interest on balance transfers and purchases for the first 15 months. After the introductory period, creditworthy applicants enjoy a variable interest rate as low as 12.99%. Use your credit card for everyday purchases and earn one ThankYou point for every dollar you spend. Enjoy a yearly anniversary bonus and there’s no limit to the number of points you can earn. Points are redeemable for travel, merchandise, gift cards and cash. There is no annual fee.
Pay 0% interest on purchases for the first 15 months and then a variable rate that start as low as 10.99%. You’ll earn 2% cash back at gas stations and restaurants throughout the year, and up to 20% cash back at retailers when you shop through Discover.com. There’s no annual fee and no reward redemption fee. Redeem your reward for cash, account credit and other merchandise.
In addition to 0% interest on balance transfers and purchases for the first 15 months, the Citi Diamond Preferred credit card features no annual fee, a 3% balance transfer fee and zero liability on unauthorized purchases. Complete a $500 balance transfer within the first 90 days and earn a $100 statement credit. As a cardmember, you can take advantage of pre-sale concert tickets, preferred seating and VIP packages.
With 0% interest on purchases and balance transfers for the first 15 months, this credit card features no annual fee and $0 fraud liability. Card members also enjoy 24-hour travel assistance, as well as 24-hour roadway assistance. Book a rental car with your credit card and receive auto rental insurance. Additionally, you automatically receive travel accident insurance when you purchase airfare with your credit card.