A good APR for a credit card is 14% and below. That's roughly the average APR among credit card offers for people with excellent credit. And a great APR for a credit card is 0%. The right 0% credit card could help you avoid interest entirely on big-ticket purchases or reduce the cost of existing debt. But you generally need at least good credit to qualify for such a card, and 0% APRs only last for a limited time. As a result, the very best APR for a credit card is one you don't need to worry about. If you pay your bill in full every month, your credit card's interest rate is irrelevant because it will never apply. And you don't need a certain credit score to accomplish that.

Some people might consider a good APR for a credit card to be anything below 19% because that's roughly the average APR for new credit card offers. But just because a rate is better than what most credit cards will give you does not make it good. Consider, for example, the average American household, which owes over $8,000. They'd spend more than $2,500 in interest repaying that balance over 36 months if it were subject to an 19% APR. Fortunately, you should be able to do better if you have a good or excellent credit score.

When you compare Visa vs. Visa Signature, the biggest difference is that Visa Signature cards have more benefits. All Visa credit cards come with benefits such as rental car insurance, roadside dispatch and emergency card replacement. On top of those “Visa Traditional” perks, Visa Signature credit cards give you extended warranties, a detailed year-end summary and travel assistance services.

Visa Signature have more benefits than regular Visa cards because they’re for customers with better credit and more income. A Visa Signature will have a minimum credit limit of $5,000. Visa Traditional cards give you less. There’s also a third level of Visa cards called Visa Infinite, which has even more perks than Signature.

While credit card delinquency rates have declined from their Great Recession peak, there are still millions of Americans struggling to deal with past-due credit card bills. It’s therefore essential that you understand how delinquency works – especially since the issue isn’t as straightforward as it might seem at first.

A consumer is characterized as being delinquent when they have fallen behind on their payment obligations for a monthly bill. When it comes to credit cards, delinquency doesn’t mean that you’ve failed to pay off your full balance in a given month, but rather that you did not make the required minimum payment.

Online store credit cards with guaranteed approval don’t exist. No credit card company can guarantee approval for every single person who applies for one of its cards, as there are always some minimum standards to meet (some cards are from WalletHub partners). You also need to be a U.S. resident with a U.S. mailing address and either a Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN) to be eligible, in most cases. Being in active bankruptcy will automatically disqualify you for most cards, too.

Store credit cards do tend to be easier to get than cards you can use anywhere, though. Most require fair credit or better, including those for online retailers such as Amazon.com and Overstock.com. But there are some credit cards, including one prominent online store credit card, with good approval odds for people with bad credit.

The Verdict:  A Capital One Walmart Rewards® Mastercard® would make a fine addition to your wallet if you already pump your gas at Walmart stations, or if you’re shopping at Walmart store, Walmart.com and in the Walmart app (including grocery pickup and delivery). That’s because Walmart plastic provides terms valuable enough to distinguish it from your average general-purpose credit card.

The purchase APR on a credit card tells you how much more expensive the items that you charge to your card will become over the course of a year if you carry a balance from month to month. In other words, it’s the rate at which a balance from purchases will accrue interest on an annualized basis if you don’t pay your bill in full by the due date.

For example, if you buy something for $1,000 with a credit card that has a purchase APR of 10%, and you pay for $500 of it by the due date, the remaining $500 balance would grow to $550 in 12 months if you don’t pay it off before then. Credit card interest is actually assessed daily, though. That means your effective interest rate is the purchase APR divided by 365 (days in a year), and the interest you’re charged one day becomes part of the balance accruing interest the next. So the interest charges accrued in that example would actually be a bit more than $50 as a result.

Home Depot Credit Card Review Summary

The Home Depot® Credit Card is a $0 annual fee store credit card that’s best for low-cost credit improvement and financing big-ticket projects. Instead of offering ongoing rewards, as is common among store cards, the Home Depot Credit Card offers a 0% introductory interest rate for 6-24 months on purchases of at least $299. That might seem appealing until you consider that missing a payment by a day or leaving even $1 unpaid by the end of the intro period will result in interest applying retroactively to your entire original purchase amount at a high rate.

Amazon Credit Card Review Summary

The Amazon.com Credit Card is a good credit card for frequent Amazon.com and Whole Foods shoppers with good credit or better, especially Prime members. The Amazon Visa is worth it thanks to a $0 annual fee and attractive rewards.

Is the Best Buy Credit Card Worth It?

The Best Buy credit card is worth applying for if you regularly shop at Best Buy because you will enjoy a $0 annual fee and good rewards. Specifically, the Best Buy card gives you the choice between earning 5% back on Best Buy purchases and potentially avoiding interest for 12 - 48 months with a promotional financing offer. We recommend choosing rewards because the financing offer includes deferred interest.

Credit One Visa Credit Card Review Summary

The Credit One Bank® Platinum Visa® for Rebuilding Credit is a pretty good credit card for people with bad credit who don't want to place a deposit on a secured card. The Credit One Platinum Visa can be worthwhile because it offers a $300 credit limit, rewards, and the potential for credit-limit increases.