CitiBank and Chase both offer cards with a very long 0% introductory period (12 months, which can be extended to 18 months at 0%, if you ask the CSR). CitiBank currently offers a rate of 7% while Chase offers 9.99% as the fixed rate and their rates are consistently low.

Those are the two biggest (and stable) banks offering the best rates with no annual fees.
Source(s):
Personal, I have had 0% with Chase for 22 months.
http://moneycentral.msn.com/banking/services/CreditCard.asp?iSearchId=2&...

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it seems to constantly change-

I would not advise Citibank--trhat is the first card I got 17 years ago---they made a joke of my years as a customer by giveing me a nealry 20% rate--when I asked tehm to lower it--theyonly lowered it by a couple percent..

I do have a chase with a 9.99% rate rright now---but I find their customer service to be horrible--and tehy have a short grace period--my other cards are a month---chase is only about 20 days--including days itr takes for the bill to arrive and to mail a check if you don't pay online--
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The lowest rate I could find was with Nordstrom. Their rate is as low as 4%!

However, I personally use Bank of America. Although they have a higher rate of about 7%, I find their customer service and trust to be well worth the higher rate, especially since I make sure to pay my debt every month.

So, if you're going for lowest, try Nordstrom, you can't get lower than them. Otherwise, I'd recommend Bank of America.
Source(s):
http://www.financeglobe.com/Finance/card851.php


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