A good interest rate depends on your credit standing and willingness to research Credit cards are pictured in this stock image. Adam Gault/Getty Images — -- Finding a credit card can be just as personal a process as shopping for any other consumer ...

With over a dozen credit cards and millions of credit card points racked up, Nancy Jiang condenses the complex world of card-churning for maximum rewards with minimum effort. Her work has been featured in national publications such as The US Sun.

For example, the Prime Rate is currently 6.75%. There’s nothing preventing a card issuer from tweaking a new customer offer from Prime Rate + 13% up to Prime Rate + 13.25% if it wishes to mitigate the impact of a Fed rate cut and make more money from interest charges.