If you have good credit, a good APR is easy to come by — but what qualifies as a "good" annual percentage rate also varies by type of card.
However, if you can’t avoid carrying a balance or plan on financing a big purchase with your credit card, we recommend you look for low-APR solutions. That way, not only will you pay your credit card debt faster, but you’ll also potentially save a significant amount on interest. The...
An excellent credit score can work in getting you a credit card with a good APR, and the reverse holds true as well.
For people who have little to no credit history, that’s potentially a big improvement in making a case for access to credit. It keeps people from having to seek credit in the form of a secured credit card, which Clark says should be “the last place you should ever go” for a credit...
Penalty APR Apenalty APRonly applies if you’ve made a late payment or have defaulted on your credit card. It’s typically the highest possible interest rate. Buy Now Pay Later APR This is a specialty APR for credit cards that offer this type of payment plan. Issuers like Chase, Citi an...
Regular APR 18.24% - 27.24% Variable APR Why you'll like this: It offers a lucrative rewards opportunity, as it matches all your cash back at the end of the first year. Reward Details What you should know Card Details Best for low interest and fees Upgrade Cash Rewards Visa® Cardholder...
It’s time you take all your credit cards and cut them up! The game of credit cards is not for you. The smartest thing you can do is go straight back to your debit card immediately! But how will I pay the grocery bill? In my opinion,0% APR cardsare only good for a one-time ...
Receive a 0% intro APR for 21 months on balance transfers and for 12 months on purchases. Credit score Good to Excellent Regular APR 18.24% - 28.99% variable Annual fee $0 Welcome bonus None See rates and fees. Terms apply. Read our Citi Simplicity® Card review. Our expert take...
1) Scouting for offers:Credit card companies often offer introductory rates of 0% or 1.9% for a certain length of time. Look for the good ones in your junk mail, be very careful in reading the fine print. First, you need to note the introductory APR and the length of the introductory...
If you want to maximize no-interest periods, consider the Citi Simplicity® Card with a 0% intro APR for 21 months on balance transfers (after that, the variable APR will be 18.24% - 28.99%, based on your creditworthiness; see rates and fees). Balance transfers must be completed within...