Now that the holiday season is over, the debt hangover is kicking in for many consumers. As the bills start coming in, some consumers may wish their credit card payments were lower—and, for some, they could be.
If you do a little poking around, you'll likely find a card with a lower rate, so you'll be paying less interest. Depending on how much you owe and how much you're paying in interest on it now, transferring your holiday debt balance to another card could save you a substantial sum. Shop around for a low-interest card or one with a low-cost balance transfer offer, if you're pretty sure you'll pay off that balance before the teaser interest rate expires. Or try to negotiate a lower rate on your current card.
"Cardholders with good credit can try to negotiate a lower interest rate on their existing card, often successfully. But with so many low-rate balance transfer offers, you shouldn't hesitate to switch to the lowest-rate card you can get as a way to accelerate debt repayment," said Greg McBride, chief financial analyst at Bankrate.com.
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Here are three low-rate cards and balance transfer offers that have received top marks from credit card review sites like CardHub.com, CardRatings.com, CreditKarma.com and NerdWallet.com.