What APR (Annual Percentage Rate) will I receive?

APR is the Interest Rate charged to your account on any balances not paid off by the date shown on your statement each month - meaning that if you pay your balance off in full every month you will never need to pay interest on your purchases.

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Most credit companies offer a single rate of interest to all their customers, however if you have a bad credit history you may be subject to a system known as Risk Based Pricing. This means that you will be charged a different APR depending on your risk profile, and could be anything up to about 25%.

If you have a good credit history then you can pick and choose between the cheapest APRs on the market. Many credit card companies offer 0% introductory rates on balance transfers and purchases, and then move on to their standard rate. If you are likely to build up some debt on your credit card then pick the card with the lowest APR so you pay less interest. Shopping around is the only way to achieve this.