More than 8 in 10 people have successfully negotiated a lower APR. Here’s what to say when you call your bank.

A credit card with an introductory 0% APR period can save big on interest if you have a major purchase coming up. The best zero-percent cards include options with long intro periods, and many offer ...

Take advantage of these credit cards and pay zero interest on new purchases or balance transfers for up to 21 months.

This top-rated Wells Fargo credit card offers nearly two years of breathing room. See why it won our 2025 award for best 0% ...

See how my friend used a 0% intro APR card to pay off $10,000 in credit card debt and save thousands in interest -- and how ...

Your credit card APR can go up if the prime rate changes, you paid your credit card bill late, your intro APR offer ended or your credit score dropped. If your APR increases, you can work on paying ...

The rate on a 30-year fixed refinance climbed to 6.62% today, according to the Mortgage Research Center. Rates averaged 5.54% for a 15-year financed mortgage and 6.35% for a 20-year financed mortgage.

New cardholders get a 0% intro APR on purchases for the first 12 months and then a 17.49% - 25.49% Variable APR, which gives you plenty of time to pay off any balances that you accrue.

Purchase APR is determined by several factors, some that are within your control and some that aren’t. What’s out of your hands: the prime rate, which is influenced by Federal Reserve policy.

Learn how credit scores influence car loan interest rates in 2025.