Just the same, most card users always pay more than the minimum and they shop for the card with the lowest rate to minimize the amount of interest to be paid every month. Shopping for the lowest interest rate is generally a good strategy for users who expect to carry a balance from month to month. The exception: if your average balance is less than $1,000, a higher annual fee on a low-interest-rate card could negate the low interest rate. If you plan to keep your balance small, look for a no-annual-fee card with the lowest interest rate you can find.