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

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

Learn why this Wells Fargo card earned our 2025 Award for Best 0% Intro APR Card, with nearly two years of interest-free ...

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

The average annual percentage rate on new credit-card offers has increased for four consecutive months, one expert noted.

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.

Penalty APR. If you have a returned payment or your payments become 60 days late, your card issuer might charge a penalty APR, which can be higher than your standard purchase APR.

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

Credit card APR refers to the amount of interest you'll pay when you revolve a balance, but it is expressed as a yearly rate. The average credit card APR reached over 20% in 2023, making it ...

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.

A fixed APR won’t change so you’ll know exactly how much you need to pay back. A variable APR, can change at any point—and usually does in line with the RBA rate rises, as interest rates do.