Find a top zero-interest credit card in 2024 to help finance big purchases and manage debt without paying interest with Bankrate.
The best 0% APR credit cards of 2024 charge zero interest on purchases and balance transfers, sometimes for up to 21 months — a generous benefit.
lower-interest-rate cards available to consumers, McBride said. Consumers with good credit may also be able to transfer an... new credit card with a 0% APR introductory offer, McBride said....
Owning a credit card with a low interest rate can help you save money on APR charges. Read reviews and recommendations from our experts on the best low interest credit cards available from our cred...
Save with lower interest rate credit cards from Bank of America. Apply for a lower rate credit card online.
Vault’s Viewpoint ; In most cases, you won’t be charged interest if you pay your credit card’s statement balance in full each billing cycle. ; If you’re not being charged interest, your credit card’s interest rate doesn’t matter. ; If you do carry a balance from month to month, your credit card’s interest rate is important because it impacts how much you’ll pay.
Table of contents ; Credit card rates in 2024 · What happened in 2023? · How the Fed impacts cardholders · Next steps for consumers
Key takeaways ; If you're not happy with your credit card's interest rate, you could try to negotiate with your card issuer. ; Do your research on your account’s history and terms, as well as competing card offers, so you can make an informed argument. ; Improving your credit score tends to be an effective way to wrangle a lower interest rate.
Written by India Davis and Garrett Yarbrough ; Edited by Nouri Zarrugh ; Reviewed by Beverly Harzog
What we’ll cover ; How to negotiate a lower interest rate · Gather your information · If needed, improve your credit score · Compare other credit card offers · Hang up and call again · Apply for a balance transfer card · Bottom line