What a credit card APR should be The average APR on all credit cards as of writing this is 16.92%. However, that doesn’t make it a good APR.

If you’re currently carrying a balance on a credit card with an APR of, say, 19.99%, you could save a significant amount by transferring your balance to a card with a lower interest rate.

It's a great question. As with most things, there are pros and cons to 0% APR credit cards. Here's what you need to know to help you decide if a 0% APR credit card is a good addition to your wallet.

This credit card is not just good – it's so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

If you pay off your card's balance each month, you'll avoid the nearly 30% APR on purchases and balance transfers (!) and it also makes perks like an up to $120 credit for Global Entry or TSA ...

You can get 0% intro APR on the Wells Fargo Reflect for nearly two whole years. See why else it's a great option for paying ...

The best balance transfer cards now have long 0% APR periods and no annual fees. Find the right card for you and start tackling debt today.

If your credit is good (starting at 670 on the FICO scale) or better, you’ll have a better chance of getting approved for a lower APR, but otherwise, this card’s best attribute may not come ...

It's common for credit cards to offer an introductory period of 0% annual percentage rate for new cardholders, often 12 to 24 months. But you don't always have to apply for a new credit card to get ...

This means that a credit card offering a fixed rate lower than 20.40% or a variable rate with a maximum of 20.40% would be considered a good APR for the average borrower. It’s important to note ...