Credit cards with low APR preferably fixed rates?

I used the below website when I applied for my credit card, a lot of them offer 0% intro rates and no annual fees.

Try a credit union for a low rate credit card - 9.99% may be the best you'll find. I doubt you will find one that is fixed rate. Credit cards are too big of a risk to be guaranteeing the rate. If you own enough of your home, HELOC may be a better route.

PS - I do agree. Time to set up an emergency fund. Then you can use your savings instead of a credit card. Maybe that means no cable for a few months or skipping a fast food run or buying cheap groceries for a bit (rice and beans? etc). These may not apply to you but I highly encourage you to track your spending and look for ways to cut back. A spreadsheet worked well for me, and helped me find ways to cut back.

Did you know that carrying balances on credit cards is a sure fire way to destroy credit?

High APR or low APR - does not matter.

Any time that you touch 30% of your available limit on any card you are drastically reducing your credit rating.

That's why experts will tell you pay in full each month.

You never pay interest and get ratings that will amaze any future creditor.

Employers check, so do landlords and car insurance companies.

Be careful with what you are doing.

Bank Rate.com will have a list of the best credit cards out there.

Also google Kiplinger magazine - best credit cards...

If you cannot afford to pay off your credit card in full every month, you ARE living beyond your means. It's one thing to carry a balance for a few months due to a large purchase, but quite another if you regularly carry balances.

It should not matter what your rate is because you should not carry balances from billing period to billing period. If you are then you are living beyond your means on credit.