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

Get up to 24 months interest-free with this week's best 0% intro APR cards -- ideal for big purchases or paying down debt ...

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

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 current mortgage rate on a 30-year fixed mortgage rose by 1.58% in the last week to 6.57%, according to the Mortgage ...

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.

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.