Everyone is trying to apply for a low interest credit card; they say it’s the best. If I pay in full each month, will 0% intro rate make a difference to me?
Answered on Thursday, August 5th, 2010 by
James Williams

Low interest credit cards are indeed what everyone is trying to get, paying no or low interest on balance you owe helps to save money. If you pay in full every month, low APR will be beneficial to you only if there’s an emergency and you can’t pay in full. Credit cards with low interest rates on balance transfers and purchases are usually meant for consumers with good or excellent credit history, and have a whole range of additional benefits like rewards, no or low fees, membership programs, discounts, and more. If you pay in full each month, your priority while choosing a credit card should be other features like no annual fee, rewards programs (e.g. cash back, hotel, frequent flyer miles, gas), etc.

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You can really do better than that. With a NCL card you’ll have to pay interest almost from the start – there’s no 0% into APR – and the interest can go up to 23.74%. If you cannot wait to go on vacation, but you are currently short of money, try a 0% intro APR […]

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