If you're looking for a personal loan with the best rate, Business Insider has done the research for you and found the lowest ...

A low interest credit card saves you money by reducing the cost of debt: When you're paying less ... a card with a low ongoing interest rate will work to your advantage in the long run.

Terms apply. If groceries, gas and online shopping are significant parts of your budget and you refuse to pay an annual fee, this card is a fine choice.