How do you pick the best low rate card offers?
Answered on Thursday, September 30th, 2010 by Amy Miller
Updated: September 30th, 2010
Amy Miller
The content is accurate at the time of publication and is subject to change.

Low rate card offers are being made by lot of credit card issuers to attract the right credit card customers. With the increasing competition, credit card companies are doing all that they can from high credit card rewards to low interest rates in order to convince the credit card customers, especially those who have the best credit history and highest credit rating. However, not all low rate card offers are beneficial, which means some of them could be tricky to pick up. The problem gets trickier for those who do not have excellent credit but have a fair credit. This is because low rate card offers are not the same for everyone and the benefits usually vary from one credit card customer to another.

The first thing to check on to find out whether a low rate card offer is good enough or not is by checking the introductory rate and the final annual percentage rate. There are many low rate card offers, where the introductory rate is very low and attractive but after the introductory term is over, the APR shoots up suddenly way higher than what most other credit cards have been offering you. This is why it is important to check what the final APR would be as that is the rate that will concern you more, in case you have an outstanding due after the introductory period. Another thing to check would the introductory term which varies amongst credit card customers with different credit rating. Hence, while the introductory rate is valid for 12 months or more for those who have excellent credit rating, it could be valid only for 6 months for those with not so fair rating. Hence going through the fine print to find out if what you assume is right, is very important.

Once you are assured of the introductory rate, the introductory term and the final APR, you also need to know whether the introductory rate is valid just for the balance transfers or it is valid on all purchases. The latter is always a very attractive option. While low rate card offers are always good, it is advisable to find out if there is an annual fee, a balance transfer fee, or any other such charges as they would more than wipe out the benefits of the low interest rate. This is important as it is not good for the credit rating to go balance transfers very often.

All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

Other Popular Low Rate Card Offers FAQs

If your dentist accepts credit cards as a method of payment, there should not be any obstacles. Since you are considering paying for your treatment with a credit card, we would recommend you consider getting a credit card with 0% intro APR and rewards program.

Continue »

The CareCredit cards do not provide any insurance. They are medical credit cards that give access to a line of credit that can only be used at a limited number of providers. If your doctor accepts CareCredit, you may want to take a closer look at this card.

Continue »

Thank you!

Your question has been successfully sent!

What is your question?
Please, enter your question and contact information so that we can send our answer to you by e-mail.
Please fill in all the required fields.
Best Credit Offer
HSBC Gold Mastercard® credit card
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
Consumer Rating: 5 / 5
Copyright © 2001-2019 All Rights Reserved.

*See the credit card's terms and conditions on the online application page. Note that this website may be compensated by credit card issuers when the visitor applies for a card through the links on this website. We do our best to maintain all information accurate and up to date. However, we do not warrant the credit card information won't change. Click the "Apply Online" button and review the current info on the secure credit card terms page.

Information in these articles is brought to you by Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.

The webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the website are property of their respective owners.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult a card's issuing bank for terms & conditions. makes every effort to keep information up to date and accurate. However, the information regularly changes and is presented without warranty. Therefore, we strongly recommend all our readers to visit the credit card application page by clicking "Apply Online!" button to review the detailed credit card's terms and conditions. Note that may be compensated by the credit card issuers when the readers apply for a credit card through this site. is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. does not review or list all available financial or credit offers.

Disclosure: Not an access card.

You've successfully subscribed!

Please specify the following:All these fields are optional

Thank you for providing this information! We will make sure our letters are useful for You.

User Generated Content Disclaimer: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.