Finance, Forex and Investments

what credit card has the best interest rates and is safe?

I currenty have a master card that has outrageous interest rates so im looking for a new one..anyone have any suggestions?

Public Comments

1. There is no credit card that has customer-friendly rates. I repeat. There is no credit card that has customer-friendly rates. They will suck your blood dry
2. i think capital 1
3. Check out cardweb.com. It will help you find the perfect card for you.
4. the intrest rate is based on your credit score so a diffrent card will not matter you have to raise your credit score to get a better interest rate good luck
5. I've found through experience that Discover had the least amount of "fees" for things and had a pretty decent interest rate compared to my other credit cards. Also, if you bank with a credit union, they usually offer credit cards to their customers with better interest rates than most banks/ national credit card services. (Note re other poster's suggestion of going with Capital One: I had one of those cards at one point; they are the absolute worst in terms of service fees and the interest rate was very high). It is true that your credit score will affect how much credit you get (and sometimes the interest rate), but I would definitely shop around and check into a local credit union. Credit unions are just generally better banks; they tend to protect their customers and don't overload you with bank fees, since often their members actually have part-ownership in the bank itself. Most people think they have to be in a certain class of people to get in with credit unions, but if you check their requirements there are often loop-holes that allow regular people to become members. For example, my Dad wanted to become a member of our local Educators Credit Union, and found out that if you were a member of the co-op, which sells whole foods to the public, you qualified to become a credit union member. So he bought a year's membership to the co-op, which I think cost him $30.00. Once you're in, you can stay for life as long as you maintain your account and are a good-standing member (true with about any bank). Hope this helped and good luck to you!
6. simmonsfirst bank has a fixed rate of 7. something %. also no annual fee.
7. The lowest APR credit card (that I'm aware of) is the Pulaski Bank Visa at 7.99%. But this can be a little deceiving because it has an annual fee-- and the highest available credit limit is only $10,000. In my opinion, the best overall credit card is the First National Bank Purity Card. You can find it (and other low APR credit cards) here: http://www.asapcreditcard.com/low-interest.html It's a relatively new offer, but it has a low fixed APR of 9.99%. Although it doesn't have a 0% intro, it has no no late fees, over the limit fees, cash advance fees, annual fees or balance transfer fees! If you'd like to have a 0% intro, you might consider the Discover More Card. It has a 0% APR for 12 months on purchases and balance transfers. Plus, a competitive ongoing APR of 10.99%. Hope this helps. GOOD LUCK!
8. Hi: You may want to get a low APR card. You may also need to find incentive and rewards based cards - they all translate to lower fees. But most importantly look for a card with balance transfer the you can switch later. You may want to see more at http://1applyforcreditcardonline.com/category/best-credit-card/