I have credit card that has a very low annual percentage rate. Yes it did save more money than usual credit cards do. All credit cards has annual percentage rate. It is the interest rate you will be paying for a year. Monthly percentage rate is the interest rate of a credit card that divided monthly from the APR. Usually credit card has below 20% is charge for the APR. The good thing is that some credit cards offer no APR for a certain period of time. It usually has 6 months up to 1 year no APR. This is a very good way of saving money if you are going to choose a credit card like that.

Credit cards with low interest rate may not have the features you wanted. Some of these credit cards may be lacking of reward plus and cash back rewards. If choosing this kind of card makes you feel happy well that is not a problem. It is your responsibility to handle all the charges to avoid bad credit. Even a single late payment can affect your credit score, so be careful.

Choosing a low credit card doesn’t mean that you have all the benefits you wanted. However it is very good idea to have a card like that if you have a tight budget. For me my low interest credit card is okay. If I want to have some features that lacks in my credit card I can apply for another one. Credit card review is there to guide on our choice. While credit card rating on the different credit card features will give us the choices.