If you're looking for the best low interest credit card, keep these tips in mind:

• If you sign up for a credit card with a low interest "teaser" rate, such as 7.9%, remember that when the low interest rate period expires your existing balance will likely be subject to the regular and substantially higher interest rate.
• Check your credit up front before applying for any cards (or any other type of credit, for that matter). This gives you an opportunity to discover--and correct--any mistakes.
• Make sure that you not only read the credit card offer carefully, but that you understand all the terminology as well.
• Only pay an annual fee if you have a card which is earning you airline flyer miles or cash-back to recoup the costs. But don't jump back and forth between banks to get those low interest introductory APRs. You could lose your credit history and the low interest rate you had with the original bank.
• If possible, get a credit card that gives airline flyer miles, cash-back, and has insurance benefits attached to it. Most Gold and Platinum cards already have these benefits. Many have credit life (disability), car rental insurance, and property coverage for purchases you buy included with the use of the card. After you receive the card, use it for everything (even school tuition and groceries) to earn credits. Just make sure you pay off the card in a timely manner.