<prompt> Human: Title says it all. I belong to a credit union, but an outside company does all their credit card business so my APR comes when I apply for a card and it tells me what it will be. Right now its around 18. When it comes to paying stuff off Im very good with being timely and never having late fees. So should I go to a certain bank and apply for a credit card there? Should I look online? Any advice would be greatly appreciated.Edit: Ive gotten some questions about why I need this. I work freelance and I sometimes dont more like am unable to work for up to 3 months at a time. I have a savings for back up. So maybe a follow up question; would a credit card with benefits like cash back, but a higher APR, be a good idea? Assistant: If you pay off timely, why do you care about APR?Human: Good question. I work freelance, so there is a slight chance I may not always pay off my debt in a timely fashion. Im pretty conservative with money, and I try to not let that happen. But I dont have as steady of an income as most working folk.Assistant: Wouldnt it be wiser, safer and cheaper to build up a savings buffer instead of paying credit card interest then? This is instead of technically spending money you dont have.Human: This is also what I am doing. Sometimes I go 3 months with no work so it would be nice to have some sort of safety net.  <response>: Typical rpersonalfinance wisdom dictates that you should have a 3-6 month emergency fund in place. Work on that, and then you wont have to worry about the APR on your credit card.In answer to your original question, if you want a low APR card, you pretty much have to churn them. Typically cards offer low introductory rates for the first year, and then its either an immediate jump to a higher APR or a slow creep adding a few percent per year. So if youre really concerned about this and as I said, there are better ways to pay your living expenses than to rely on a credit card, you could theoretically apply for a new 0 APR credit card every 12 months or whatever. 