 TITLE: What Is a Good APR for a Credit Card? CONTENT: Is It Important to Have a Good APR?\n-----------------------------------\nAPR is one of many key features of a credit card. It's important to weigh the pros and cons of having a card with a good APR against the expense of having other more competitive terms and benefits. It largely depends on how you use your credit cards. For example, if you pay your entire statement balance every month, then you'll avoid interest charges and the APR won't really matter. In this case, you may choose to earn competitive rewards and enjoy the valuable benefits often available on cards with higher APRs instead.\nBut if you'll need to carry a balance on your credit card, then using a credit card with a lower APR can save you money on interest charges. Just keep in mind that the cards with the lowest APRs won't typically offer you competitive rewards for spending or other premium benefits. So you have to weigh the value of having a card with a low APR against the opportunity to receive other rewards and benefits to determine how important a low APR is to you. END