0When you are carry on a monthly balance, having a low interest rate credit card can make a difference managing your finances because the low rates may assist you in paying down the balance in a more efficient and fast way.

However, before considering applying for a low interest rate credit card you should be aware that it is necessary to have a good credit history before you will qualify. You can get your credit report for free you can find out in advance where your credit history stands. This way you will know if it needs any type of repair before you apply for a low interest rate credit card.

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One from American Express

	CREDIT CARDS BY APR
	0% intro apr 0% interest card 4.99% apr 9.9% apr

	BY INTRODUCTORY PERIOD
	0% apr for 6 months 0% apr 12 months Credit cards 0% apr 9 months 12 months 0% on balance transfers

	FIXED APR CARDS
	0% fixed APR 0%-5% fixed APR 5%-10% fixed APR credit cards Over 10% APR credit cards

	PRIME PLUS APR RATE
	Low APR CitiBank consumer credit cards Low APR Citi business credit cards

	LIBOR PLUS APR RATE
	Low APR Citi consumer credit cards

	CARDS BY ISSUER
	Visa card fixed apr low Visa credit card low apr rates Discover card no apr on new purchases Discover credit card free interest for life Mastercard low apr Chase low interest credit cards Chase 0% APR

	LOW APR CARDS BY KIND
	Low apr business credit card Low apr credit cards Low apr no annual fees credit cards Low apr student credit cards Rewards visa low apr Fixed rate cash reward credit card Low percentage student credit cards

One from American Express
The Savings AcceleratorSM Plan contributes 1% of eligible purchases into an FDIC-insured High-Yield Savings Account in your name
Earn a competitive Annual Percentage Yield (APY), currently 2.75% (variable rate as of 4/15/2008).
Get $50 to jump-start your savings after your first purchase
With the Interest Protection feature, you never pay interest on new purchases
No Preset Spending Limit
Never pay interest on new purchases

One from American Express® is a fine reward card, a good choice for those who are focused on savings and who would like to take part in the Savings Accelerator Plan. With One from American Express, cardmembers can automatically save for their future even as they spend on everyday purchases. Every time they make a purchase with the American Express One® Card, American Express will deposit funds directly into an FDIC-Insured High-Yield Savings Account. It has an annual percentage yield of 3.5%. After first purchase, cardholders receive $25 into their account. They can earn a cash rebate of 1% virtually on all eligible purchases. There is no limit to how much can be earned. There is no annual fee in the first year, afterwards it is $35. And the card has a reasonable APR for purchases. The American Express One Card alsohas no pre set spend limit, so cardowners can spend a little more if they need to. Additional cardholder benefits are Emergency Card and Cash Replacement, Auto Rental Insurance, Various Internet account related services, Year-end financial statement, Extended warranty for purchases, No liability for unauthorized Internet transactions, Purchase protection, Legal Referral Services, Medical Referral Services, etc.

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