The average interest rate on credit cards is 15%. If you need to borrow money, you can find much lower interest rates than the average. MagnifyMoney has reviewed more than 2,000 cards from our partners to find good deals. You can either take advantage of cards with 0% introductory offers or low overall interest rates. The results below are ranked by "All-In APR", which is the projected actual interest rate you will pay over 2 years.Learn More
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Citi Simplicity® Card - No Late Fees Ever
0% Intro Rate for 21 Months on Balance Transfers
TruWest Visa Platinum Card
0% Intro Rate for 18 months on purchases and balance transfers
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Never use a credit card at ATM.
Cash advances on credit cards are incredibly expensive.
Always pay on time.
Set up a recurring payment. Late payment can result in loss of the offer and hurt your credit score.
Don’t use your cash back card for a balance transfer. Get a balance transfer card.
If you spend And balance transfer on the same card, than interest on your spend accrues immediately.
Opt out of over limit.
Over limit on credit cards are very expensive as banks charges fee around $ 35.