 TITLE: Do Personal Loans Charge More Interest Than Credit Cards? CONTENT: How to Choose a Credit Card With Low Interest\n---------------------------------------------\nSimilar to personal loans, many credit cards also have an APR range. If you're comparing credit cards, you can look at the APR ranges to see which cards might offer the lowest rate. But the APR you receive will depend on your creditworthiness.\nAlso, remember, credit card APRs don't take fees into account. To determine which card may be least expensive for you, also compare the cards' annual fees and usage-based fees, such as balance transfer, cash advance and foreign exchange fees.\nYou can also narrow down your search by focusing on low rate cards. These tend to have fewer benefits and rewards than other credit cards, but a lower APR can save you money if you can't pay your bill in full each month. Credit cards from credit unions may be a good choice, as the National Credit Union Administration (NCUA) caps credit card interest rates at 18% APR. Credit cards from other issuers may have APRs in the mid- to high-20s.\nSome credit card companies also offer cards with an introductory interest rate, such as 0% APR, during a promotional period. Card issuers also occasionally offer existing cardholders a temporary lower rate, and you can also call your issuer and try to negotiate a lower interest rate on your card if your credit situation has improved since you opened your account. END