When you are carry on a monthly balance, having a low interest rate credit card can make a difference managing your finances because the low rates may assist you in paying down the balance in a more efficient and fast way.

However, before considering applying for a low interest rate credit card you should be aware that it is necessary to have a good credit history before you will qualify. You can get your credit report for free you can find out in advance where your credit history stands. This way you will know if it needs any type of repair before you apply for a low interest rate credit card.

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One from American Express

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One from American Express

Every time you make a purchase with the American Express One® Card, American Express will contribute funds directly into an FDIC-Insured High-Yield Savings Account that's automatically opened in your name. This High-Yield Savings Account will earn interest at a competitive Annual Percentage Yield (APY), currently 3.50%¹. The Card features the Savings Accelerator plan, which contributes a full 1% of your purchases directly into your FDIC-insured High-Yield Savings Account² at American Express Bank, FSB.

There is no limit to how much you can earn and the money is yours to save and use however you'd like.

The American Express One Card lets you buy for your family today—while automatically building interest—earning savings for tomorrow.

American Express One® Card benefits:

Every dollar spent can be money saved and interest earned.

Carry a balance without paying interest on new purchases
Unlike most cards, the American Express One® Card offers a feature called Interest Protection. With it, you can pay your bill in full at the end of the month or pay over time – but you never pay interest on new purchases. So – by choosing to pay with the American Express One® Card – not only are you free to carry a balance for last month's vacation, you can also avoid paying interest on this week's groceries.

No pre-set spending limit
The American Express One Card has no pre set spend limit, so you can spend a little more if you need to. And to keep track of your spending, you can use the Spend Tracking Alert to designate a monthly spend amount – and set up e-mail or text message reminders to alert you when you've reached that amount.³

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