For many consumers the credit card has gone from being an item to use in times of an emergency or when cash is a little low at the end of the month to a form of payment that is used routinely for items that would normally have been paid for with cash. Unfortunately, the convenience that a credit card brings with it also allows an individual to rack up an enormous amount of debt without really knowing and at interest rates that are normally quite high. That's where a low interest rate credit card can come in handy.

Most low interest rate credit cards are designed to be used by people that use their credit card regularly but don