The reading level for this article is All Levels
Why choose low APR credit cards? Because if you have an outstanding or great credit history, it is almost a guarantee that you will receive a low APR credit card. If you make payments on time and in full, it will increase your chances of getting a very great low APR credit card offer, and a lowered interest rate card will be nearly perfect for you.
If you frequently make purchases online, then you will probably want to look for cards that offer very low APRs and some incentives. For instance, some low APR credit cards offer a cash back bonus for every online purchase with their card. Or perhaps you fly all across the country for personal or business reasons? Some low APR credit cards allow you to benefit from a frequent flier program, which allows you to trade good credit responsibility for flying miles.
Then there are the reward programs, which offer incentives for purchases and balance transfers. For instance, with some low APR credit cards, a purchase or balance payment will result in reward points that could be used at destinations of your choosing.
Then there are the other offers that are involved in low APR credit cards. For instance, some of the cards offer no annual fees and competitive interest rates at cash back or travel rewards. The good thing about low APR credit cards is that you can most always personalize them to mold to your lifestyle.