 TITLE: What Is a Good APR for a Credit Card? CONTENT: How to Get a Good APR\n---------------------\nIf you want to get a credit card with a low APR, it's important to know where to look and what to look for. There are two types of credit cards that carry low APRs: 0% APR cards and cards with low ongoing APR.\nZero percent APR cards typically offer no interest on purchases, balance transfers or both for a set period, typically between six and 21 months. But once that promotion is over, your APR could jump to an above-average rate.\nA credit card with a 0% APR introductory rate is a solid choice if you need to finance a large purchase or pay down high interest credit card debt—and are confident you can pay the full balance before the promotion period ends and your rate spikes.\nAlternatively, a credit card with a low ongoing APR typically won't offer a 0% APR promotion. This may be a better option if you expect to carry a balance regularly.\nCredit unions typically offer lower interest rates than traditional banks, but they don't often offer long 0% APR promotions. Major issuers like Chase, Bank of America and Citi, on the other hand, offer credit cards with long 0% APR promotions but don't generally offer below-average APRs after the promotions are over. Experian CreditMatch™ can also pair you with low interest credit cards matched to your credit profile. END