When choosing a credit card, the interest rate should be the first thing to consider. Low interest rates only mean one thing: more savings! The bigger the balance of the account, the bigger sum of money will be saved. As more money gets saved, more money gets stored and more interests will roll in the bank account.

Other credit cards companies have reasonable interest rates and offers more like giving the percentage of money back. The more money spent on credit, more money will be returned to the card's user. Most credit cards use 5% on special purchases and 1% on regular purchases.

Some banks give "Reward Points." These "Reward Points" accumulate as the credit card is used and it may be exchanged for certain items catalogued by the bank. Points may be exchanged for microwaves, cell phones, televisions and the like. This is yet another great feature to be considered when looking for a card.

A number of major banks offer low interest rates. A few major banks would be: Citibank, American express and JP Morgan Chase. These banks are known to give 0% introductory APR (Annual Percentage Rate) for 12 months. Most of these cards offer no annual rates.

Here are some credit cards with low interest rates:

Citi Dividend Platinum Select Card (Citibank):

- it features 0% APR (Annual Percentage Rate) for 12 months - it rewards the user. The more this card is used, the bigger the rewards. - earn 5% return from expenses in supermarkets, drug stores and gas stations. - earn 1% return from other expenses.

Citi Premier Pass Card (Citibank):

- 0% introductory APR. - get points by flying. Every mile gets you a point.

American Express Blue Card (American Express):

- 3.99% fixed interest rate. - 0% introductory APR for 15 months.

Chase Cash Plus Visa (JP Morgan Chase):

- 0% interest rate for 12 months. - has other cash back promos.

Chase Flexible Rewards Platinum Visa Card (JP Morgan Chase):

- 0% introductory APR for 12 months. - a dollar spent equals a point. - no annual fee.

Pulaski Bank Visa Master Card:

- 0% on balance transfers for 5 months - 6.99% fixed rate - $35 annual fee

Discover Card:

- 0% APR for the first 10 months. - $0 annual fee. - 9.99% fixed interest rate.

These cards have the lowest interest rates in the credit card market today. These cards do not only offer low rates, but they also give certain rewards for the frequent users of the card.

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