When it comes to credit cards, it's definitely not "One size fits all." As a smart consumer, you should select the card best suited for your spending and payment habits.

A vast majority of consumers revolve some debt month over month. If you fall into that category, find a card with a low interest rate and no annual fee. If you use credit cards for convenience and pay it off each month, you probably couldn't care less about the interest rate, but are looking for perks.

Before signing up for the first low-rate credit card offer that comes your way, shop around. Maybe that great rate only lasts six months or the annual fee eats up any savings you could enjoy from the low introductory rate.

Do a little comparison-shopping and you might find a credit card with the same rate for at least a year or another card with the same deal but no annual fee. Experts commonly suggest that a low, fixed-rate credit card is better than a low, variable-rate credit card. Card companies can raise their fixed-rate cards when interest rates go higher, but change is not automatic and they need to give you fifteen days notice. With a variable-rate card your rate can move regularly and without any prior notification.

There are a number of companies who should help you to compare different Low Interest Credit Cards.  Remember it is well worth shopping around for the best Low Interest Credit Card deals.