Pay attention to interest rates that apply after the introductory rate expires

Look beyond the introductory interest rates in credit card offers to make sure you're getting the best credit card deals for the long run. A 0% interest rate that last for several months or a year can give you a much needed break from interest payments and help you get back on track. But if you still have some principal left in your account when the 0% introductory offer expires, you can quickly rack up a lot of interest if the interest rate is high. The best credit card deals will offer a low introductory rate, and then give you a reasonable interest rate after that. The rate you get will be contingent on your current credit score, so be sure to charge responsibly for the best rates.