Do you have good or excellent credit? Are you looking for a low APR credit card to save money every month? If you have weathered the current financial storm and maintained above averag Learn about high risk merchant processing at , good, or even excellent credit then you are entitled to be rewarded for your efforts.

You've demonstrated financial discipline and that you can pay all your bills on time without maxing out your credit cards.

Now it's time to receive what you've earned.

A credit card with a low annual percentage rate or APR.

Not to mention one with no annual fee.

And a whole host of other benefits or awards programs as well including airline miles, cash back bonuses, travel, or gift cards at your favorite retailers.

What kind of credit score do you need to qualify for a low APR credit card?

A 720 FICO credit score is the minimum you would need.

A 740 FICO credit score would put you in better standing.

Once you have these high credit scores you are eligible for the lowest balance transfer offers available, the lowest introductory APR, and even a low cash advance APR.

If you do not feel your current credit card company is taking care of you as a customer then maybe it's time to shop around for a better interest rate credit card.

Most credit card companies would love to have customers with good or excellent credit scores like you.

Make them compete for your business.

If they only want to offer you a six month low balance transfer offer, demand a 12 month one.

If they won't, someone will. I just found a great list off here

Don't settle for anything less than the lowest APR credit cards you can find.

And it may be that you will get the best deals in your own backyard.

To give you an example, there are two credit unions (United SA FCU, SSFCU) here in San Antonio, Texas that have credit cards with 8.00% and 8.99% APRs. (Rates current as of February, 2010)

You can do a search on Google for credit unions in your area and check out their low APR credit cards.

You've maintained good, excellent credit through thick and thin and now it's time to get rewarded. Save money every month with a lower interest rate credit card with no annual fee. Shop around and compare to make sure you're getting the best deal.

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