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.
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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.
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.
Depending on which Citi credit card one wanted to go with the rates will vary. They just introduced a card that has no late fees and a 0% APR for 18 months, then as low as 12.99% APR afterwards.
One can get a zero percent apr credit card by going to the Credit Cards website. The website offers a number of credit cards deals including ones that have zero percent apr.
First of all, APR is annual percentage rate, or how much of a percentage companies charge you for using a credit card or asking for a loan. One company that has low APR rates is "Citi." Although looking for companies with low APR rates is a good idea, a person can further lower their APR rate with negotiation.