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% ...

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

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.

Choosing one of the best 0% APR credit cards highlighted here can make a lot of sense if you want to break up the cost of a large expense — say, for home upgrades or car repairs — into more ...

Therefore, the ideal APR is 0%, where you don't pay any interest on your balance. There are credit cards that offer that perfect rate, albeit only temporarily, but we'll get to that in a bit.

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 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.

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