A low APR credit card is crucial if you ordinarily carry a large monthly balance and want to get out of debt sooner.

Many low APR card issuers also charge introductory 0 percent balance transfers to help pay off existing credit cards.

Low APR credit cards charge you an interest rate even lower than the standard APR offered by most credit cards. The lower the interest rate or APR, the less expensive the card is to use and the more hard-earned money you will save. But what is credit card APR? The definition: Annual Percentage Rate (APR) is the cost of credit; it is the amount of interest rate that is chargeable to any outstanding balance on a credit card, the card issuer has the right to charge you an interest rate for the service, a fee known as APR if you do not make the full payment within a designated grace period. Thus, a low APR, lowers that cost. Be sure to review program details before filling out an application.

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