When applying for a credit card, what is the lowest/ideal interest rate?

I've never been a fan of credit cards, but I'm getting myself an emergency credit card just in case. I'm looking for the card with the lowest or ideal interest rate and I was wondering what interest rates are considered low?|||Unless you have an established credit history-- you'll have a hard time getting the 'lowest rate'. But there are a few companies that offer APR's as low as 7.99%. This can be deceiving though-- because other limitations usually restrict how much you can save. For example, the Pulaski Bank Visa has a 7.99% APR. But it also has an annual fee of $35-$50. Plus, it's highest credit limit is only $10,000. How much can you really save with an annual fee and such a low limit???





The best 'overall' credit cards are usually between 9.99% - 11.24%. You can find a great list of low APR offers here:





http://www.asapcreditcard.com/low-intere鈥?/a>





Keep in mind, if your credit isn't 'excellent', you probably won't get approved for the best APR. In this case, I would recommend the Chase Platinum Card. It's a pretty good deal (0% APR for 12 months, 14.24% APR). But since Chase has the loosest approval guidelines of all the major credit card issuers-- you stand a better chance of getting approved if your credit is questionable.





Hope this helps. GOOD LUCK!|||Well capital one has a interst rate on 7%


It all dipense on ur credit score|||0 (zero). its a promotional rate, it will change later to 7-15%


go to bankrate.com and see whats available|||If you are just getting it for an emergency, make sure you not only check rates, but also that there are no start-up or annual fees for the account. Some people never use their credit cards, but still wind up paying because of all the fees that go with it! Depending on your credit, you may qualify for a 0% APR for the first 6 months to a year. I have two like that, but they will increase to 9.9 after the year is up. Another thing to keep in mind, is to look for a fixed interest rate. It might be worth having a slightly higher APR if it is fixed because a variable APR could double overnight!|||go to www.cardratings.com LOTS OF GOOD INFORAMATION ABOUT CREDIT CARDS