The current offering from the Charles Schwab Visa offers a compelling mix of low interest rates, appealing teaser rates, and rewards.  One of the main drivers of high interest rate cards is seemingly attractive ‘points’ programs.  This almost always never pays off.  There are, however, some credit cards that offer both low annual percentage rates on credit card purchases and a decent rewards program.  One of these right now is the Charles Schwab Visa.  The card currently has a low variable 7.9% interest rate on purchases.  It’s introductory teaser rate is only 1.9% and includes both balance transfers and cash advances.  The rewards are offered at 1 point for every $1 spent on the card.  Also, of course, like all of the ‘best offers’ from credit cards, there is no annual fee.  Take a look at their homepage, do your homework, and decide if this card is right for you.  A person carrying a $2,500 balance for the next year could save over $200 by switching from a 12% credit card to the Schwab Visa.

Charles Schwab Credit Card site.