Credit card applications What the media say
These cards typically carry a low introductory rate and either a fixed or variable APR. With variable APR cards, the interest rate is typically tied to the national prime rate. The best credit cards for carrying unpaid balances would, naturally, be those with a fixed APR. 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. You can actually lower monthly expenses with these cards by consolidating higher interest debt into one 0 percent APR account.