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If you are looking for a credit card with a low rate, the rate you get will depend on your credit. Having said that, here is a list of credit cards with the lowest rates. We arbitrarily listed those that had an apr of prime rate plus 3.99% or lower
(otherwise the list will never end). We also highlight the one with the lowest rate at the moment.
Recommended Low Interest Credit Card
The Discover® More(SM) Card also has a very low apr for consumers who have good credit. You can get a rate as low as 11.99%*. In fact, the rate you will get will range between 11.99%* and 19.99%*. The one advantage Discover has over most other low rate cards is that they give you a 25 days of grace period versus 20 days for most other cards, including the ones we highlight below. Aside from having good rates, you'll also be getting a 0% Intro APR for 6 months on Purchases, and up to 12 months on Balance Transfers* . Furthermore, the card also allows you to earn cash rebates, has the most gift card merchant partners of any credit card and also allows you to earn up to 20% cash rebates when you use the card to buy things through shopdiscover.com. Discover also gives you a separate credit card number to shop online for extra security.
 The Slate(SM) from Chase Card has a low rate and comes with a 0% intorductory APR* offer for up to 12 months for both purchases and balance transfers. This is a unique card because Chase allows to choose which items you "technically" want to pay in full each month even though you may still carry a balance. The items that you have chosen to "pay in full" will not incur finance charges even if you are still carrying a balance (unlike all other cards). Hence, as you work your way towards paying down your credit card balance, you will incur less finance charges than other typical cards.
The Citi® Platinum Select® MasterCard® allows you to get one of the lowest rates around if your credit is good enough. The APR is as low as 11.99% (variable rate). Furthermore, you get 0% APR deal for both balance transfers and purchases for up to 12 months. If you shop online a lot, this card has a unique feature whereby you are given a separately generated credit card number just for online use. This is another step to preventing fraud online.
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