Compare credit card offers... To find the lowest rate possible, compare credit card offers from a wide variety of credit card issuers. The best way to do this is to compare credit cards online. You can visit each issuer individually, or you can use one of the many credit card comparison sites available to assist you.

I recommend:  Although you can visit credit card issuers such as Visa, Mastercard, AMEX and Discover directly, it will be much easier to find the best credit card offers by visiting a comparison resource like ASAP Credit Card.com. With easy-to-follow rate comparison charts detailing credit cards from a variety of issuers, you'll save time and avoid frustration.

Avoid fees and other charges... Although you're looking for the lowest interest rate possible, avoid credit cards with annual fees and extra charges. Paying fees could negate any benefit you've gained by having a low interest rate. Watch out for balance transfer, cash advance, over-the-limit, late payment and foreign transaction fees. Knowing how you'll use your credit card will help you determine which fees are factors-- and which one's are not.

I recommend:  These days, most business credit cards DO NOT include annual fees. But credit card companies will hit you with a host of other charges. Use credit card comparison sites to find offers with the lowest fees and review the credit card terms carefully before you apply.

Take advantage of 0% APR's... Once you locate a credit card with a low APR and the least amount of fees, consider introductory promotions. In particular, 0% intro APR deals are especially popular. You can pay zero interest on new purchases and / or balance transfers for 6 to 12 months. Your savings will increase substantially if you can take advantage of one of these offers.

I recommend:  Credit card issuers love to entice new customers with 0% APR credit cards. This is especially true with business credit cards. Take advantage and maximize your savings by applying for an offer with a 0% introductory APR.