The best way to find the cheapest credit card rate online is to look for the following features: a free annual fee; a low interest rate; low fees for foreign transactions.
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One cannot lower the high rates on a credit card. One does have the option of choosing what credit card to get (with the set rate) when deciding to get a credit card. One should consult online data to find the lowest rates.
Standard credit cards can be used almost anywhere, where online credit cards are used solely online. Online credit cards usually have better rates than the traditional credit card as well as more thorough transaction tracking.
Credit card rates are often dependent on your credit scores, with lower scores resulting in higher rates. That said, traditionally credit unions offer lower rates than other typical financial institutions.
My Credit Union, Money Supermarket, and Bankrate are three very reliable online sources to visit when you are researching and comparing credit card interest rates.
The cheapest foreign exchange option for exchanging currency is typically using a no-fee credit card or debit card that offers competitive exchange rates.