Q. How do I obtain a card with a low APR?

A. The secret to getting a credit card with a low annual percentage rate is having good credit. The better your credit score, the better the rate you will get.

Our extensive database of credit card interest rates and fees is a good place to start comparison shopping.

Choose the listing for "best rate" and lean towards those with the lowest rate for purchases. You'll find lots of cards offering rates of 10% or less.

Narrow your list of candidates to the two or three that also offer the most reasonable terms -- no annual fee, late fees of $28 or less, and grace periods of at least 22 days.