Whats a good interest rate to get a new credit card?

Answer 1

Anything under 10% is pretty good. Sometimes, you will find them as cheap as 7-8% if you have Tier 1 credit.

Many credit card companies offer 'teaser' interest rates where you will get 0%-3% for a limited time to start, and then it goes up. You have to be careful, though, because when it goes up, it can go up to 20% or more.
Make sure to read the terms and conditions when applying for any credit card.

Answer 2

If you are going to make a major purchase and then pay it off, look for cards that offer no APR for the first 12 months or more, and then make sure you pay it off in the time allowed. This way you will have paid no interest.
If that is not an option, you want to find a card with an interest rate of 12% or less. The lower the better.. You also need to read the fine print. Make sure you don't violate their rules, or sometimes they will raise the interest rate up to as high as like 30%!!!(Say, for going over the limit, or making late payments)
If you have little or no credit, maybe try getting cards from department stores and pay off the balance in full each month to build up some credit history. If you pay off the card in full each month you don't have to worry about the interest rate.

Answer 3

Yeah, don't pay the interest. Credit comes from the bank. If you want to borrow money, borrow it from the bank.

If you just want to kick a balance around, you can transfer balances from card to card for a year without paying any interest.

So there's no reason to actually pay the interest.