Low APR credit cards are offered to consumers who have very good to excellent credit histories. These cards have low interest rates as the name suggests as well as offering many other benefits which you may think of as a reward for your history of fiscal responsibility. These are the most desirable kind of credit card and offer perks which include:

A New Year has brought no promise of respite from the current financial crisis and the credit crunch appears to be still in full swing. With the financial forecast still pretty gloomy as we head into 2009, its chilly winds are affecting not just big business, but ordinary consumers as well. However, a new year opens up a new opportunity to take control of your finances and despite the doom-laden headlines there are still plenty of financial bargains to be had if you know where to look.

The gloomy financial forecast for 2009 shows no sign of improving, if reports in the media are to be believed. Financial institutions are decidedly nervous going into the New Year. The latest Bank of England interest rate cut to the lowest in its 315 year history seems to have had little effect on calming monetary nerves and all reports indicate that the sun has finally set on the era of easy credit. However, consumers still want credit, and they want it at a good rate \” preferably 0% for at least the first few months. Credit card companies are worried about exposing themselves to further potential bad debt, so are there still low rate cards available to those with the credit rating and the desire to keep spending on plastic?

Do you know what the APR’s are on your credit cards?