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Step 1
Check out Bank of America's credit cards. Bank of America offers the largest selection of credit cards in the United States, with over 400 different cards. You can choose from cash back rewards cards, travel cards or gas cards. Many of their cards offer introductory interest rates of zero percent and readjust to 9.99 percent after the introductory period.
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Step 2
Bank Rate offers rate comparisons for credit cards across the nation (link in the Resources section below). This will allow you to quickly evaluate the lowest credit card rate available.
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Step 3
Negotiate with your current lender to lower your rate. Since it's more expensive to acquire new business, creditors are anxious to work with you. Request that your current lender match the best rate you've found.
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Step 4
Work with your lender to provide a relationship discount. If you have your checking, savings and credit card at the same bank, ask for a discount on your credit card interest rate. Financial institutions will reward you for loyalty when faced with losing your business.
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Step 5
Look for loss leader rates in the business section of your newspaper. Credit card companies will often advertise a promotional rate to get you in the door. You can use this rate for two purposes--to negotiate with your current lender, or take advantage of the low interest rate.
