Finance Credit

Top 5 Low Apr Credit Cards

Published at 03/13/2012 20:47:49


When you are doing a research for the top credit card offers, more often you will stumble upon the term Low apr credit. You should therefore be familiar with what it represents and how it works regarding the credit card that you will select.

The APR stands for annual percentage rate, implying the interest rate is combined to the outstanding credit card balance. When credit cards are described as cheap credit cards, it denotes that the APR total has to be very low. The apr credit is also the payment that the financial organization charges if full fees are unpaid within the required period. Majority of credit corporations will provide many promotions, or if you desire to perform an online research for alternatives, which lets you to carry out comparisons for the best one.


The current low apr credit card was initially used in the 1930s, in the USA, particularly to sell petroleum to a rising number of car owners. In 1939 numerous companies began to accept each other's cards such as Western Union which initiated issuing charge cards to its normal customers.

There are 5 top popular apr credit cards which provide the best advantages to the card holders which are as follows.

Prepaid Visa Card is very common among Americans as it provides money access to its customers to over a million ATMs globally. People with poor or without credit history, can request for this specific credit card.

Orchard Bank Classic Master Card is the top most recognized card these days as it is known at many locations all over the world. The cardholders are capable of managing their accounts in a more handy way as they can finish all their transactions online.

First Premier Bank Credit Card is particularly aimed for individuals who expect to mend their credit through this card. All at once, the giver of these cards reports to the main Consumer Reporting Agencies every month encouraging the cardholders to make their payment quickly.

Ultra VX Visa Card provides specific features to its users such as credit line up to 25, 000 dollars to the clients.

Master Card is extremely rated by the people as it assists them to restore their credit score through regular payment hence, credit rating will gets better.


With a low apr credit card, there are always qualities with the terms and conditions to pay attention of which includes the following:

Annual Fees

Many low apr credit card providers might give a low interest rate but demand you to pay considerable yearly fees. If the actual interest rate is certainly greater than the actual rate, then this credit card is clearly hidden in a form of a low apr credit card.

Low Introductory Rates

Credit card corporations recognize that low initial rates are a fantastic incentive. Therefore when, the early period ends unexpectedly, and your monthly lowest payment rises intensely, then something definitely is suspicious.

High Balance Transfer Fees

A further trick in the business is that some among the low apr credit card organization presents low balance transfer rates that accompany a high balance transfer fee.

Tips and comments

  1. If you spend in large amounts, you could result in spending your entire credit line.
  2. If you are accepted for a zero percent apr credit introduction rate ensure you use it.
  3. Apr Credit card issuers concentrate on someone's credit standing and credit score before they accept them for every kind of revolving credit.


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