All credit cards come with more than a few moving parts. Among them is an annual percentage rate, or APR — the cost of borrowing money using the card. However, the tricky thing with credit cards is that they can have multiple APRs, each of which applies ...

Skip interest for up to two years with these 0% intro APR offers, perfect for large purchases in 2026 or paying off high-interest debt.

The Federal Reserve cut its federal funds rate in September 2025—the first time since late 2024. Rates for certain financial products may change fairly quickly in response to this adjustment, but credit card APRs aren’t guaranteed to follow suit.

More than 8 in 10 people have successfully negotiated a lower APR. Here's what to say when you call your bank. My credit score and income are better than ever, so I called my bank to ask for a lower credit-card APR. Last month while I was working on a ...

APR is deliberately confusing and compounds daily. Read disclosure boxes, use 0% offers strategically, and make multiple monthly payments to minimize interest costs. When you see "18.99% APR" advertised on a credit card, you might think you understand what ...