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

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 ...

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.

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.

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.

The APR on a credit card is usually just the interest charged when you carry a balance. For example, let’s assume you made a purchase on your card for $1,000.