I am looking to apply for a visa or master card credit card that has the best deal. Any recommendation? Happy holidays. From what I can tell… I like to play them at their own game. I am sure there is a name for it, but I run their “teaser rates”. A “teaser rate” is a very low or no interest APR you get when you first open your account. Just read the fine print. They are catching on and adding hidden charged like 3% transfer fees or retroactive interest. But still, depending on the balance these may be worth it. Just do the math. When your 6 months to a year of that good rate is coming to an end, look for another credit card offering the same and transfer your balance. Good Luck.