Many credit cards that require good credit have variable APRs, which is your annual percentage rate of interest, of around 15% to 24%. But you would likely want to find a lower interest rate than this if you’re making big purchases or doing a balance transfer. If you have good credit, you may be able to qualify for 0% APR credit cards. These cards provide intro APR offers of 0% on purchases and/or balance transfers for a certain amount of time, so you can avoid paying interest for the length of the offer. After that period, you'll pay the regular interest rate on your remaining balance. You may also have to pay a balance transfer fee on the amount you move to your new card.