2 of 7
BACK NEXT
An APR of 11% or less on purchases
The annual percentage rate (APR), or interest you pay on balances, must appear in big type. You aren't guaranteed this APR. It will depend on your credit history.

The box will also say whether there's an introductory rate and how long it'll last. Today's average APR is 11.32%; with a credit score of 720, you should get 10% or less.

Note: Most APRs are variable, meaning they change with the prime rate.

NEXT: Low rates on other loans

Last updated July 30 2008: 7:37 AM ET
More Galleries
17 cool gadgets that tease the future Smart telescopes, surveillance for dogs, an electric roadster and more from CES 2018. More
These 12 airplane beds let you really sleep on a flight For the price of a premium class ticket, you may just get a space that's comfortable, private, and quiet enough to ensure a good rest. More
CES 2018 kicks off with oddball gadgets The biggest tech show of the year opened with a collection of quirky gadgets. More

Special Offer