All credit cards come with more than a few moving parts. Among them is an annual percentage rate, or APR — the cost of borrowing money using the card. However, the tricky thing with credit cards is that they can have multiple APRs, each of which applies ...

Skip interest for up to two years with these 0% intro APR offers, perfect for large purchases in 2026 or paying off high-interest debt.

Discover what a factor rate is and how to calculate it.