Is your credit card bill getting out of control because of super-high interest rates? You’re not alone. Many Americans struggle with credit card debt, and while it may seem like a helpless situation, you can use Berkeley Banking Rates to look for a a low interest rate credit card.

A low rate card doesn’t mean you can suddenly start dining at the exquisite Chez Panisse, though. The rule of thumb is simply this: don’t buy what you couldn’t pay for in cash. And with your new low interest credit card, you could shop guilt-free.