While there are many choices in low interest credit cards, choosing the best credit cards can be tricky without an accurate source of information. Maybe you're hoping to transfer a balance off of a high interest credit card or finance a major purchase at a low percentage rate, or maybe you'd like to improve or establish your credit rating.

Whatever your financial plan looks like, a low annual percentage rate (APR) on your credit card can help keep you in the black.

While interest rates might be the top factor influencing most people's credit card choices, other factors such as extra low, promotional introductory rates, length of the payment grace period, credit limit, and annual fees should also factor into your decision.

Looking carefully at the credentials of a lender before signing up can be an excellent idea. Although a credit card with a great rate and no annual fee may look good on paper, it may not be convenient to use if, for instance, it isn't through one of the major credit companies (VISA, MasterCard, Discover and American Express).

Many creditors offer cash back rewards, purchase incentives or low-fee balance transfers and cash advances in order to attract applicants. At the least, all credit card companies should comply with federal requirements that provide fraud protection and limit the borrower's liability to $50 when credit card loss or theft is reported promptly. Great deals on credit cards are worth looking for, whether you're rebuilding poor credit, establishing credit for the first time, or protecting a credit rating that's in perfect shape.

By looking carefully at the fine print of a credit card offer, you can guarantee that the card you apply for is the best choice in credit cards for you.