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I've only been late a couple of times on my credit card bills. Does this mean I will have to pay an extremely high interest rate?

Not necessarily, if you've been late with your payments less than 3-times in the past year, and the payments were no more than 30-days late, you still have a good change at getting a competitive interest rate. Most lenders will accept certain reasons for this like an illness, or job-change, but explanations are required.

Today's Low Rates

30 Year Fixed 3.375% 3.43%
20 Year Fixed 3.125% 3.18%
15 Year Fixed 2.75% 2.81%
All rates shown with 0 points