Alot depends on if you want a low introductory rate currnetly many cards offer 0% intro rate for 6 months and then rates as low as 11.99% with excellent credit. Capital One, Discover and Citibank all have cards of this type. First Premier Bank has some card with a fixed rate of 9.99% but they do change a set up fee and an annual fee. There is also Simmons First Visa Platimun which as a low 7.25% variable APR, no intro rate, and allows balance transfers. You must have excellent credit to qualify.