What are the Best Low Interest Credit Card Options for Me

hey guys it's Devin Howard let's talk about credit cards when you're looking for a new credit card it's a good idea to figure out which ones have the lowest interest rate so I'm out I'm going to tell you the best credit cards with the lowest interest rates so that we can all save money and take advantage of having a good credit score basically when interest rates become a problem is when you don't pay off your full balance in full every month in other words if you have a $1,000 on your credit card but you only pay it off 500 of it by the end of the month they can actually add interest to what's left in your account and it can be huge it can add a ton of money that you don't want to have to pay credit cards with low interest rates can save you a substantial amount of money so it's a good idea and it's best to use if you actually already have a credit card with some debt on it paying off this debt on a zero APR can actually save you so much money so let's go over some of the best 0 interest or low interest rate credit cards so that you can find which one best suits your needs first up the AMEX everyday card from American Express no this is a great card for anybody who already has some existing debt and I'm going to tell you why this card offers 0% interest APR for the first 15 months for new purchases or even for existing balances on other cards so that means you can transfer over debt from another card onto this AMEX card and you won't get charged any interest balance transfers do need to be made within the first 60 days of opening that new credit card but that's easy to do after those 15 months the interest can balance from 14% to 25% depending on your credit score so just keep that in mind this card has no annual fees and also allows you to earn rewards what they call points so you get one point for every $1 you spend and then two points for every $1 you spend at a grocery store so in addition to not charging you interest rates you're also earning some extra cash they also have a bonus offer 10,000 points if you spend $1,000 within your first three months and they also offer fraud protection and rewards for different shopping experiences that you might have so it's a great card if you need to transfer over that debt if you want to earn some extra cash definitely check this one out the next card we're talking about is the chase freedom unlimited card if you need to make a big purchase that you want to pay off over an extended period of time this is the card for you so there's 0% APR to start that 0% that 0% APR lasts the first 15 months so basically if you need to make a big purchase you have 15 months to pay it off with no interest you can also transfer over a balance from another card but there is an Associated fee with that so this card may not be but the best for you if you're wanting to transfer over existing debt after that first 15 months your credit the interest can go up from 16 percent to 26 percent so keep that in mind that will vary based on your credit score this card also comes with great rewards you'll earn 15% cash back with every purchase you'll even for $150 bonus if you spend $500 within the first three months there's no expiration date on the rewards there's no annual fee that it's I mean it's a great card it's not going to cost you a lot of money it's just not the best if you want to transfer over that existing debt all right next let's talk about the City Diamond preferred card now this is the card that you should look at if you're wanting to pay off debt this card offers 0% APR for the first 21 months this 0% APR for the first 21 months is for balance transfers that are made within four months of opening up that card there is a balance fee of 5% if you're trying to transfer over that existing debt but this is not actually that bad because you'll have that whole 21 months to pay it all off with no interest so even that 5% fee shouldn't be too difficult to pay off you also get 0% APR on new purchases within the first 12 months and like the other cards the interest will actually go up after that first year of course the interest rates vary based on your credit score but it's around fourteen point four nine percent to twenty four point four nine percent the thing about this card is that it comes with no additional benefits or rewards so you're not going to be able to get cash back or points for purchases that you make but if you do have a lot of debt that you really need to pay off take those 21 months of 0% interest and pay it off and don't worry about trying to earn a bunch of points because it's not going to work with this card next up let's talk about the city simplicity card this card offers 0% APR for the first 18 months on both existing purchases like balance transfers and new purchases and also this card has no late fees ever so if you have a hard time paying your bills on time you don't have to worry about being charged for that late fee but it's also just a good extra added you know measure of protection for even the most responsible card holders like the card I mentioned before there is a 5% balance transfer but you get eighteen months to pay it off so in my opinion that fine percent fee is not too bad like the other cards the APR will jump from 15 ish percent to 25 percent depending on your credit score so that's just something to be expected after that initial offer expires there aren't any rewards or bonuses or incentives with this card but what is nice about it is that there's flexibility with that payday there's those know no late fees for you know missed payments and you can also adjust your payment window based on when it's most convenient for you if you happen to only get paid every two months or whatever then maybe you would have it set up so that it's you know an automatic payment is made every two months so it's just it offers flexibility when you're looking for a new credit card it's important to evaluate how much debt you have what you plan on using the card for and what you can really afford and how long you're wanting to be able to make payments with no interest obviously there are a lot of options for all of us out there depending on our own personal situations so you can take comfort in the fact that you can you know transfer over that debt you can make a big purchase and then not have to worry about added fees all on top of that so stop paying high interest rates on a credit card you already have open up a new account that has 0% APR and you know a lot of people will have a problem with maintaining a balance on a credit card but sometimes we have to sometimes there's no other option so why not be smart about it and do it in the way that saves us the most money so that we can actually get ourselves out of debt and just live our lives debt-free my only note of advice is to just keep track of which card you go with and when that initial offer expires whether it's 12 months 18 months 21 months it's just a good idea to know when you need to kind of have everything paid off by for more information on how to make money using affiliate marketing check out affiliate unicorn com