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What Credit Card Has The Lowest Interest Rate? - insurance-florida.orgUsing a low interest credit card can save you big while helping you minimize debt or get rid of it more quickly. See our expert recommendations. �Average credit card rates are over 20% but you can get low APR deals of % if you shop around.". A low-interest card with a 0% introductory APR likely keeps that promotional rate for 12 to 21 months and charges a balance transfer fee of 3% to 5%.