Over the past year, credit card interest rates have declined significantly. However, getting approved for a low APR credit card is not as straightfoward as it may seem. Credit card companies offer different interest rates to different consumers based on internal credit reviews. Consequently, many credit cards that advertise low APRs may not truly be low APR credit cards. One way to make sure you get a low interest rate in the near term is to apply for a credit card that offers a 0% APR on purchases and balance transfers for a year. With a 0% APR credit card, you can defer all interest costs. This not only puts more money in your bank, but can also help you pay down high interest credit card debt faster.
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Despite an historically low Prime Rate, low APR credit card offers carry significantly higher APRs than they did two years ago. One method to avoid these higher interest rates is to take advantage of 0% credit card offers. Another is to repay credit card debt as quickly as possible.
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