Are you fed up of hearing this redundant catchphrase of lowest APR credit card available today? Is there really any way to tell who is the lowest? Is it really even that important in the first place? The truth is that it’s very pertinent if you are not paying your entire balance very month. The difference between even a four or five percent variation could be fifty or sixty dollars a month or even more. Obviously if you are paying off your entire balance each month then it’s irrelevant.

Now, realistically speaking there probably is some way to tell which credit card company really does have the lowest APR. No doubt these companies keep tabs on each other and quite efficiently at that. However, for us the consumer, it can be challenging. So many cards offer a 0% introductory APR, but after that what really can we expect. After much searching and comparison shopping, it seems the Citi Platinum Select MasterCard might have the absolute lowest rate. As of right now, after their introductory period of twelve months expires with the 0% APR, it adjusts to 8.49% APR. Many people pay more than that on their car loan. With no annual fee this might be the best offer out there right now.

Now if changing credit card companies on a regular basis doesn’t bother you, then just switching companies after the introductory period expires would allow you to always have the lowest APR, 0%. However, if you are like most and would rather hang onto your card for a while, the Citi Platinum Select MasterCard is worth taking a look at. It just might solve that elusive inquiry of who really offers the lowest interest rate!

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