There are many credit cards that have a low APR (Annualized Percentage Rate). To apply, one can visit a financial institution or even apply for one through the credit card site.
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Qualifying for a credit card with a low APR requires very good credit and sufficient income. In the United Kingdom, the credit card that meets that standard is currently the Sainsbury Cashback credit card, with a 7.8 percent APR.
APR stands for Annual Percentage Rate. Having a low APR on a credit card means that when a person fails to pay off their full balance on a credit card the person will have a low rate of interest.
There are several places where a person can get a credit card with a low APR. Websites such as Capitol One, American Express, Bank of America, and Discover all have credit cards with low APR.
The best credit cards to apply for when you have no credit are those that with low to zero annual fees, APR interest rate is not through the roof and that there are bonuses which you can take advantage of. One good example is Capital One No Hassle Cash Rewards Credit Card.
Low APR credit cards can be obtained from most local banks as well as a few online or independent companies, but most people just negotiate this with their own credit card carrier.