Partial payments are typically the root of credit card debt, not high interest rates. Nevertheless, holding cards with low annual percentage rates (APRs) is key to preventing your balances from ballooning quickly if you do not pay them in full by the due date. Here are the three best low-rate credit cards available.

Some of the most-touted credit cards require high income for approval and high spending to make their benefits worthwhile. If you have a lower income, these credit cards may not make sense for your budget.