Finding a credit card that is right for you doesn’t need to be brain surgery, but here is an idea to get the best credit card rate for you.

Best credit card rate

How to Get the Best Credit Card Rate

Even if you plan to pay off your balance monthly, it’s a good idea to get the best credit card rate you can qualify for. An unexpected emergency may arise, and you may find yourself paying for bills you never thought you’d have. If this happens to you, you don’t want the bills in question to be repaid at the insane rate of 20% or more (a rate not uncommon for credit cards).

There are so many commercials and advertisements for credit cards, but what do they all mean? Rates, interest, and balances are things that must be kept track of. To find the best credit card rate you need to consider a few things. First, you need to decide which card best fits your lifestyle. Do you revolve balances or pay in full? Are you re-establishing credit? Do you want to earn rewards for having your credit card, such as discounts at a department store or cash back? Selecting the right credit card requires a bit of time and patience, but it is well worth it. At www.bankrate.com, the calculator will help you find the best credit card rate for you after you provide a little input regarding your spending habits.

If you are a person who likes to carry a large balance every month, then the best credit card will be one that offers a low interest rate. These low interest rates will help you save money on your balance every month.

But if, on the other hand, you pay your balance completely every month, the best credit card for you will be a rewards credit card. A low interest rate will not benefit you because when you pay your balance completely, you will pay little or no interest. The advantages offered by a rewards credit card would be best for you. You can enjoy rewards such as cash back, airline mileage and many other exciting rewards. You should, however, have a low-interest card as well in case of an emergency.

Here are some credit card options to consider while searching for the best credit card rate:

•  The Chase I-Card: 2.99% introductory APR on purchase and transfer up to six months with no annual fees and a 1% reward on every purchase good at webcertificate.com

•  Blue Cash(SM) from American Express: No annual fee. 0% introductory APR for 15 months and you can pay over time or in full monthly.

•  Discover® Platinum Card : 0% Intro APR and no annual and with up to 2% Cashback Bonus award

•  Citi® Platinum Select: 0% APR* on balance transfers until April 1, 2005. Bonus 3 extra months of savings to July 1, 2005 with no annual fee

•  Pulaski Bank MasterCard® or VISA®: Purchase rate is a fixed 4.75% annual percentage rate (apr). Cash rate is 4.75% apr.

•  Chase Bank (Platinum MasterCard)- 9.99%

•  American Express (Blue Cash from American Express)- 9.49%

•  Discover Card (Platinum Card)- 7.99%

•  Simons First Bank (MasterCard)- 8.95%

•  Chase Bank (PerfectCard MasterCard)- 14.92%

•  Discover Card (Platinum American Flag Card)- 7.99%

•  American Express (Blue from American Express)- 8.49%

•  Bank One (Flexible Rewards Select Visa)- 10.49%

•  Chase Bank ( Marathon Platinum MasterCard)- 14.24%

•  Discover Card (2GO Card)- 7.99%

•  MBNA Bank (Elite Rewards MasterCard)- 9.99%

Credit Card Land has found some of the best credit card offers and put them together for easy access. They continuously monitor market in order to bring the best credit card deals. They are presented side by side allowing you to compare each rate to all of the other credit card companies.

These are some ideas for how to find the best credit card rate when looking for a credit card.

By Jessica Maughan