Low interest credit cards are usually considered to be those with an APR of prime plus 3.99% or less. Getting the lowest interest credit card, however, will depend on your credit score and rating. When you get a low interest credit card, be sure to read the terms. You can either get a fixed APR, which means it won’t change unless you default, or a variable APR, which will usually be the prime interest rate plus a certain percentage, such as 5%. You also need to check for any annual fees that may apply. Usually low interest cards come without rewards programs, although many are available that combine great rates with earned rewards.

Pulaski Bank VISA Classic

Using the credit cards that are issued by Pulaski Bank & Trust, there are two separate card options with excellent benefits and the very lowest interest rates. The Pulaski Bank Visa Classic card offers a fixed APR of 6.50% after the intro 0% APR on balance transfers expires. This card does charge an annual fee that is $35, but the rate is lower than most other credit cards, so it will still bring you a big savings.

Pulaski Bank Visa Gold

Another one of the best low interest rate credit cards also is issued by Pulaski Bank and it is the Pulaski Bank Visa Gold Card. This credit card has no annual fee and a low interest rate of 8.0%; it isnít even tied to any market index. When you are using this card for balance transfers, there will never be a transaction fee and for the first six months you can enjoy 0% APR on those transfers.

If you want a low interest credit card that also offers reward miles, consider the Miles by Discover card. This card gives up to 12,000 bonus miles and earns miles on every purchase that never expire and have no limit. There’s no annual fee and it comes with 0% APR for 6 months on balance transfers and purchases. The best part is this card has an APR as low as 10.99%.

Students should take a look at the Citi mtvU Platinum Select Visa card for college students. This card has an introductory 6 month 0% APR and earns up to 5 points on all purchases. You also earn up to 2,000 extra points every 6 months you maintain a good GPA. With no annual fee and an APR as low as 14.24%, this card is ideal for students that don’t have a long credit history.

Qualifying for a low interest credit card is one of the goals of a good credit history. These cards are convienent and trouble-free and are great for individuals that carry a balance or prefer not to pay their bill immediately. With a bit of searching and great credit, you can secure a credit card with an interest rate below 10% that also offers rewards when you use it.