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Comparing Credit Cards and Debit Cards: What is the difference?

Purchases made with a credit card are charged against a line of credit while purchases made with a debit card are funded by money that you already have in a bank account. Also, credit cards are more likely to have special perks and rewards programs. For example, credit cards may offer travel insurance, price protection and extended warranties on purchases made with those cards.

What does APR mean?

The APR stands for “annual percentage rate,” which is the standardized annual rate that lenders use to determine how much interest is charged on loans. The higher the APR, the more interest you will pay on your balances -- and the longer it will take to pay off the balance.

The APR that you get on your credit card will vary depending on your credit history, which determines your credit score. A higher credit score is likely to result in a lower APR because you are seen as a more reliable borrower. Reviewing APR when comparing credit card offers is a great way to determine which card is right for you.

Why do some credit cards have annual fees?

Some credit cards charge annual fees because they have certain features and perks that are not found with other credit cards. For example, airline credit cards usually have annual fees because they offer complimentary airfare, lounge access or priority-boarding privileges.

Secured credit cards may also carry annual fees because they lend to risky borrowers -- applicants don’t need a good credit score to qualify for this type of credit card.

When comparing credit cards with annual fees, choosing one with rewards and perks that outweigh the costs is the best way to ensure you're getting the most for your money.

Ask a Question

Wednesday, 06 Jul 2016 3:10 PM
<p>jonatanP, if the APR on your Amazon Rewards Visa credit card is too high for you, you can consider Citi Double Cash or Discover it.</p><p>Citi Double Cash can offer an effective 2% cash back rate on all spending. Discover it offers up to 5% cash back on certain categories that change every quarter (<a href=";cuid=15643" rel="nofollow noopener" title=""></a> purchases were among the categories in the past).</p><p>Otherwise, you could call Chase (the issuer of the Amazon Rewards Visa) and request an APR reduction.</p>
Tuesday, 05 Jul 2016 8:29 PM
<p>Hello, I have the amazon rewards visa card and looking for a shopping credit card with lower APRs, I have good credit score. Thank you!</p>
Sunday, 17 Apr 2016 2:43 PM
<p>Rick, usually, there is no limit to where you transfer balance from, but note that your credit card issuer may deny a balance transfer for any reason.</p>
Sunday, 17 Apr 2016 2:41 PM
<p>Hi I have a question, cards that offer a 0% apr balance transfer offer, can you transfer balances from one or multiple credit cards?</p>