Improving your credit score to get the best low-rate credit card

There are more and more companies offering the low-rate credit card. Each low-rate credit card is suitable for each person. Therefore, everyone should consider carefully before choosing the best credit card.

Low-rate credit card
Improving your credit score to get the best low-rate credit card

In the previous post, Info Credit Free introduces people to some of the necessary information that is useful for getting credit card companies in the US, to get more information people can read the article There are a lot of credit card companies in the United States. Now, let find knowledge about the low-rate credit card in the post today.


Just like a lot of article posts such as how to get a credit card, BP credit card login, credit card offers for bad credit, best credit card deals.., this post about the low-rate credit card also includes some main parts. They are:

1. The advantages and disadvantages of the low-rate credit card

1.1 The advantages of the low-rate credit card

  • Lower interest rates can mean lower monthly interest payments when compared to credit cards with higher interest rates.
  • Some low-rate cards may also come with low fees, meaning that they may be suitable for consumers who are looking for a no-hassle card without advanced features.
  • Low-interest credit cards may also come with lower balance transfers.

1.2. The disadvantages of the low-rate credit card

  • Low rate cards tend not to come with reward programs and therefore tend to be inconsistent with those seeking rewards, although there may be exceptions.
  • They often do not offer the same privileges and bonuses as some high-end cards.
  • Some low-interest cards come with a number of interest-free days when you buy new items – which means you can start generating interest costs as soon as you buy something with your card.

2. How to get the low-rate credit card?

2.1. Open a credit card with an introductory 0% deal

One way to reduce interest rates on your credit balance is to transfer it to a card with a 0% referral promotion. If your credit is good enough to qualify for one of these offers, you may be able to avoid financial fees for a long time.

But remember that there are a few things to keep in mind with balance transfers. The first is the fee; Most credit cards charge 3% when transferring balances. This can significantly reduce the amount of money you save.

Pay attention to pay on time. Lack of even one person can cause your referral transaction to be canceled and interest may begin to accumulate immediately. In addition, you should make every effort to pay your balance before the 0% period ends. Once again, the final interest will begin to accumulate if you carry a balance that exceeds that point.

Low-rate credit card
Improving your credit score to get the best low-rate credit card

2.2. See what your issuer is willing to offer

Calling your credit card issuer to politely discuss your APR is another way if you can qualify for a 0% credit card. In some cases, they may agree to lower your interest rate to keep your business. Or, they may be willing to move you to another product with a lower APR.

Your issuer may or may not help you find lower interest rates, but it certainly never hurts to ask.

2.3. Improve your credit score

Your credit score may be the biggest obstacle to having a lower APR on your credit card. Typically, lenders consider your FICO score when deciding on terms of credit products – including your interest rates.

So improving your credit score will go a long way toward helping you qualify for lower APR on credit cards. It will put you in a better position to be approved for a card that Lit provides a 0% deal, negotiate a lower interest rate for the card you already have or receive a lower APR for the new card you are posting a sign.

3. The best low-interest rate credit cards

Credit Card 0% APR – Balance Transfers 0% APR – Purchases Regular APR Rating
Wells Fargo Platinum Visa® Card 18 months 18 months 17.74% – 27.24% 4.4 / 5
Capital One® Quicksilver® Cash Rewards Credit Card 15 months 15 months 16.24% – 26.24% 4.0 / 5
Chase Freedom Unlimited® 15 months 15 months 17.24% – 25.99% 3.1 / 5
Discover it® Cash Back 14 months 14 months 14.24% – 25.24% 3.9 / 5
BankAmericard® credit card 18 billing cycles* 18 billing cycles 15.24% – 25.24% 3.9 / 5
Bank of America® Cash Rewards credit card 12 billing cycles 12 billing cycles 16.24% – 26.24% 2.4 / 5
Citi Rewards+SM Card 12 months 12 months 15.74% – 25.74% 3.0 / 5
HSBC Gold Mastercard® credit card 18 months 18 months 13.24%, 17.24%, or 21.24% 3.1 / 5
Citi Simplicity® Card 21 months 12 months 16.24% – 26.24% 3.7 / 5
U.S. Bank Visa® Platinum Card 18 billing cycles 18 billing cycles 14.74% – 25.74% 4.4 / 5

This post is about the low-rate credit card. We provide this information to offer you some of the necessary information that is useful for getting the low-rate credit card. Also if you are looking for information about the BP credit card, please refer to Some steps BP credit card login to get two benefits link we just provided in the previous article. 

Hillary (Team Content) – Info Credit Free