Jan 5, 2026 · An APR below the national average can be considered a “good” APR. Cardholders planning a large purchase who wish to carry a balance over a relatively short period of time should …

If you have good credit, a good credit card APR may be easy to come by — but what qualifies as a “good APR” can vary based on several factors. The APR, or annual percentage rate, is the...

Aug 13, 2025 · The key to understanding the difference between APR vs. APY is a short and sweet explanation: You pay an APR, but an APY pays you. APR is the total annual interest you pay to a …

Jun 6, 2024 · How good of an APR you get will typically be determined by your credit score. To determine what's a good credit card APR, start by looking at the national average, which currently …

May 29, 2025 · A good credit card APR is a rate that’s at or below the national average, which currently sits above 20 percent. While there are credit cards with APRs below 10 percent, they’re most often ...

Jan 5, 2026 · That said, a few generalizations can be made, starting with the fact that a lower APR is always better — and a zero APR is the best. On the other end of the range, double-digit APRs are …

Jan 16, 2025 · A good APR is generally one that is below the average APR. Federal Reserve data reveals that the average credit card interest rate in the U.S. has hovered roughly between 16% and …

As of February 2025, the average credit card interest rate is over 24%. This average is based on 200 of the most popular credit cards in the U.S., as tracked by Lending Tree. So, in relative terms, any APR …

Nov 28, 2025 · Any purchase APR at or below the Federal Reserve’s average (currently around 21% in 2023) is considered good. Your credit history will also factor in with only those with good to excellent …

Aug 14, 2025 · APR stands for annual percentage rate. The APR on a loan or other debt gives you a more complete picture of how the debt will accumulate than you would get from the interest rate …