Low Intro APR
No Annual Fee
Cash Back
Reward Cards
VISA
Mastercard
Business Credit C.
Balance transfer
Student Credit Cards
Frequent Flyer
Gold Cards
platinum Cards

Advanta
American Express
Bank of America
Bank One
Chase Manhattan
Discover

Bankruptcy
Slow Credit
Average Credit
Excellent Credit

Anyone who has opened their mailbox lately knows that there are lots of 0% credit card offers floating around out there. For those consumers staggering under seemingly endless high interest credit card debt, those 0% intro rates can look pretty attractive, and those who know how to pay the 0% game can use those offers to pay off their bills more quickly and save lots of money.

The key to winning at the 0% game, however, is to pay careful attention to the terms and conditions of that seemingly great offer. That is because those 0% introductory rates are just that – introductory rates, and once the initial low interest rate period has expired they typically revert to much higher rates.

Before signing up for that new 0% balance transfer offer, it is important to read the fine print carefully, and to carefully note how many days or months the 0% rate will be in effect. It is also important to determine if the 0% interest rate is good on new purchases or balance transfers only. While some credit cards will provide the 0% financing option on new purchases, others will limit that introductory rate to balance transfers only.

Keeping track of the expiration date of those great 0% financing offers can be quite a challenge, so the best strategy is to post a note on the calendar a month before the 0% rate expires. Having that much advance warning will help you prepare by moving on to the next 0% balance transfer offer, or better yet, pay off that credit card bill.

Playing the 0% balance transfer game is a great way to save significant amounts of money on interest, but only for the disciplined. The key is to carefully track the expiration date of the offer, and to read the fine print. It is also important to carefully read any notices you receive from the credit card company, to make sure that they do not change the terms mid stream.

As the original 0% balance transfer offer is set to expire, it is time to start looking for a new offer and start playing the 0% interest rate game all over again. Hopefully the 0% interest rate you have been paying has helped you to pay down the balance, and the goal is to have that credit card balance get progressively smaller with each change.

Brooke Sikula is a freelance writer based in Ventura, CA and writes on a wide range of topics from home improvement to credit repair and everything in between. She is a regular contributor to http://www.loan-mortgage-auto.com and http://www.get-home-improvement.com For more information and advice on credit issues, check out http://www.credit-card-faq.com

Article Source: http://EzineArticles.com/?expert=Brooke_Sikula

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Yes, low APR credit cards are on the rise. Many credit cards are competing for your business to give you the best and lowest rates available today. There are so many credit cards from you to choose from that they are doing all kinds of things to get your attention including lowering their interest rate and giving you no annual fees.

Why is this happening? Because there are so many credit card companies. They all want your business and this is an attractive incentive to get you to apply and own one of their credit cards. If you choose a low APR credit card over one with 19.99 percent you are sure to go with the lower APR.

The only problem is that sometime these 0% and low APR credit cards are only promotional ways to get you to apply and then later your interest rate will rise. Many credit card companies have low APR credit cards for a certain amount of time such as 3 months, 6 months and some up to one year. You will have to compare to find out which one keeps the lower APR after the promotional period to ensure you are getting the best deal around.

No matter what the reason low APR credit cards are here to stay as long as the companies are competing for your business. Just remember to compare everything they offer besides the lower interest rate. You may find that several credit card companies are now offering other wonderful incentives for you to apply with them such as reward programs.

No matter which company you choose, you will enjoy the low APR credit cards even if it is only for a limited time. You will be able to save money on your purchases because you will not have to pay any interest until the promotional period is over. Just be sure your balance is very low when the interest rate kicks in and you will be fine.