Finding the best APR credit card may require you to do some homework, but as with any industry, credit card companies are fiercely competitive and you can find great, low interest rates. 

Introductory Rates

Look for introductory rates as low as 0% interest. If you have more than one 0% offer, choose the one that lasts the longest. Most 0% offers will revert to a standard APR after the introductory period, so be sure you know what the standard rate is as well.

Different Rates for Different Uses

Most credit cards have one APR for purchases and another for cash advances. Depending on how you plan to use your card, you will want to shop for the card with the best rate for what you will be using the card for.

Pay On Time

If you don't pay your credit card payments on time, or if you exceed your credit limit, your low interest rate will be a thing of the past. Most credit card companies have provisions in their agreements that allow them to not only fine you but to raise rates substantially if you miss payments, pay late payments, or exceed your credit limit.