<prompt> Human: I hope this is in the correct place, but I was wondering if there is such a thing as credit cards with low interest? It seems like most cards offer 0 to small interest rates for a number of months, then start adding 11-20 interest. Any help would be appreciated.Edit 1: Thank you everyone that responded. I thought that maybe the wealthy were the only ones that got low interest cards, but now I know that paying the balance off each bill cycle nets 0 interest. I will do this from now on.  <response>: All credit cards are 0 interest if you pay it in full every month.Youre never going to get a credit card that will offer 0 indefinitely. Low interest is basically what the market determines, which is in the ballpark of 12. 