Credit Card Expert

Best Low Standard Rate Credit Cards

Many people often apply for a credit card simply because of the low interest rate initially offered without considering the implications of the standard rate, which is normally much higher, safe in the knowledge that they will pay off that debt within a reasonable period of time or that they will take out another card and switch the balance.

This is a great idea but sadly most people do not have the discipline or the financial planning abilities to constantly switch their balances.  This is the credit card companies wish that you build up a nice big balance while on their introductory rates and then pay through the nose once the high interest rate kicks in.  It happens all to often and people always have the best intentions yet struggle to follow through with this plan.

A solution could be to stay away from cards with low introductory rate and get one of the best permanently low standard rate credit cards.  This is definitely the best option if you feel you will not switch balances every 6 months.

You get all the advantages of other credit cards but also the peace of mind that your standard interest rate is among the very lowest available

  • American Express

    With the American Express Red card you can take advantage of one of the funkiest card designs around from one of the most famous names in financial services - American Express. You also get the opportunity to help with the Global Fund. A charity helping women and children in Africa with HIV/AIDS - 1.25% of all spend on the card gets donated. The 12.9% APR offered is also very good.

    American Express Review

  • Capital One Platinum Credit Card

    The Capital One Platinum credit card offers some market leading interest rates in a very attractive package. You get 0% on balance transfers until October 2009 and 0% on purchases until October 2009. The standard rate is one of the best available 15.9% APR (variable) making this a really great deal.

    Capital One Platinum Credit Card Review

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