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While I don't know your area to know what banks you have around you, I've found my lowest APR rates by getting a credit card with the credit union I bank with. The #1 thing I could tell you is to NOT go application crazy and apply for 10 different credit cards, especially really closely to each other. Each of these applications show up on your credit report as a hit by the group sponsoring the card, and that many hits in such a short time is NOT good.
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Calling from deep in the heart, from where the eyes can't see and the ears can't hear, from where the mountain trails end and only love can go... ~~~ Three Rivers Hare Krishna
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