Secured credit cards, what you need to know
People who carry unpaid balances over from month to month should look for the best credit cards that offer a low, manageable interest rate and low annual percentage rate (APR). These cards typically carry a low introductory rate and either a fixed or variable APR. The interest rate on variable APR cards is generally tied to the national prime rate. It is easy to see that cards with a fixed APR would be the best credit cards for carrying over unpaid balances. Someone transferring a balance from one card to another would look for the best credit cards that offer a 0 percent introductory APR on balance transfers.