Credit Card Interest Calculator 2025 – Calculate Monthly & Total Interest
Take control of your credit card debt with our free credit card interest calculator. Whether you need to calculate credit card interest, figure out how to calculate APR on a credit card, or determine how much interest will I pay on my credit card, this tool provides instant, accurate answers. Enter your balance, APR, and payment amount to see monthly interest charges, total interest paid, and your complete payoff timeline. Use this as your apr calculator credit card tool to understand exactly how credit card interest is calculated and what you'll pay over time.
Credit Card Interest Calculator
Monthly Interest Charge
$95.79
Time to Pay Off
35 months
Total Interest
$1,871.08
Total Amount Paid
$6,871.08
Payment Breakdown
Principal
$5,000
Interest
$1,871.08
2025 Credit Card Market Statistics
Why Our Credit Card Interest Calculator Stands Out
Our card card interest calculator is your complete solution for understanding credit card costs. Whether you're asking how do I calculate credit card interest or how is credit card interest calculated, this interest calculator credit card apr tool provides comprehensive analysis. Calculate apr credit card charges, estimate credit card interest per month, and discover how much interest you'll pay over time. This credit card apr rate calculator shows you exactly how to calculate interest on a credit card payment.
What Makes Our Calculator the Best Choice:
- No Registration Required – Calculate interest charges immediately without accounts or personal information
- Accurate APR Calculations – Uses the same methods credit card companies use to calculate interest
- Interactive Visualizations – See how interest accumulates through dynamic charts and payment schedules
- Mobile Optimized – Calculate interest on any device, anywhere, anytime
- Multiple Payment Scenarios – Compare minimum payments vs. aggressive payoff strategies
- Perfect for understanding how to calculate apr on credit card balances and planning debt elimination
- Shows clear interest calculation breakdown of principal vs. interest charges
What Is Credit Card Interest & How Does It Work?
Credit card interest is the cost of borrowing money on your credit card. When you carry a balance from month to month, credit card companies charge interest based on your APR. Understanding how to calculate credit card interest rate charges is crucial for managing debt effectively. Many cardholders wonder what is my interest rate on my credit card or what is my credit card interest rate – you can find this on your statement or by calling your issuer.
Simple Example:
Starting Balance:
Month 1: $5,000 balance at 20% APR
Daily Rate: 20% ÷ 365 = 0.0548%
Monthly Interest: ~$83.33
Minimum Payment Impact:
Payment: $150 (3% minimum)
To Interest: $83.33
To Principal: Only $66.67
New Balance: $4,933.33
Our credit card interest rate calculator shows exactly how interest accumulates on your balance and how different payment amounts affect your payoff timeline. This tool helps you calculate interest paid on credit card balances month by month.
How to Use This Calculator – Complete Guide
Our calculator helps you calculate credit card charges and understand how credit interest is calculated. Whether you need to calculate interest for credit card purchases or figure out how much interest on credit card balances you're paying, follow these simple steps. This tool answers questions like how do you calculate credit card interest and how to calculate monthly interest on credit card balances.
Step 1: Enter Your Card Information
- Current credit card balance
- Annual Percentage Rate (APR)
- Find your APR on your statement or card agreement
- If asking what is the apr for this credit card, check your monthly statement
Step 2: Set Your Payment Strategy
- Minimum payment (typically 2-3% of balance)
- Fixed monthly payment amount
- Aggressive payoff amount
- See how to calculate interest on credit card payment scenarios
Step 3: Review Interest Calculations
- Monthly interest charges displayed
- Total interest over payoff period
- See exactly how much interest will i pay credit card over time
Step 4: Compare Payment Scenarios
- Minimum payment timeline
- Increased payment savings
- Interest reduction strategies
- Calculate how much interest i will pay on credit card with different approaches
Pro Tip: Even increasing your payment by $50-100 per month can save thousands in interest and cut years off your payoff timeline. Use this monthly interest charge calculator to see the exact impact.
Formula Used – Calculating Credit Card Interest Formula
How credit interest is calculated? Our calculator uses the industry-standard average daily balance method. This formula for credit card interest shows exactly how to calculate interest charges on credit card balances. If wondering how to calculate interest charged or how to calculate interest charge, this credit card interest equation breaks it down step by step. Understanding how cc interest is calculated helps you make informed financial decisions.
Credit Card Interest Calculation Formula:
Monthly Interest = (APR ÷ 365) × Average Daily Balance × Days in Billing Cycle
- Daily Periodic Rate: APR ÷ 365 days
- Average Daily Balance: Sum of daily balances ÷ days in cycle
- Billing Cycle: Typically 28-31 days
- Compound Interest: Interest charged on interest
- Grace Period: No interest if paid in full by due date
- Payment Application: Interest charged first, then principal
Example Calculation:
Balance: $3,000 | APR: 18% | Days: 30
Daily Rate: 18% ÷ 365 = 0.0493%
Interest Charge: $3,000 × 0.000493 × 30 = $44.37
This calculating credit card interest formula helps you understand how to calculate interest payment on credit card balances. To answer how do you calculate daily interest on a credit card, divide APR by 365 to get the daily periodic rate, then multiply by your balance and billing days. Use this as your calculate credit card interest formula reference.
Why This Method: The average daily balance method is the most common calculation method used by credit card issuers in the United States, providing accurate estimates of your actual interest charges.
Real-World Credit Card Interest Scenarios
These examples demonstrate how payment strategies dramatically impact how much is credit card interest you pay. Use our interest charge on credit card calculator to model your specific situation. This monthly apr calculator credit card shows you exactly how much interest will i pay credit card calculator results for different payment amounts.
Scenario 1: Minimum Payments Only
Profile: $5,000 balance at 22% APR
- • Monthly payment: $100 (minimum)
- • Time to pay off: 11 years, 5 months (137 months)
- • Total interest paid: $8,678
- • Total amount paid: $13,678
Reality Check: You'll pay almost 3× the original balance – $8,678 in interest on a $5,000 debt.
Scenario 2: Fixed $250 Payment
Profile: Same $5,000 at 22% APR
- • Monthly payment: $250 (fixed)
- • Time to pay off: 2 years, 2 months (26 months)
- • Total interest paid: $1,286
- • Total amount paid: $6,286
Savings: $7,392 less interest, 9 years faster!
Scenario 3: Aggressive $500 Payment
Profile: Same $5,000 at 22% APR
- • Monthly payment: $500 (aggressive)
- • Time to pay off: 12 months
- • Total interest paid: $574
- • Total amount paid: $5,574
Massive Savings: $8,104 less interest than minimum payments!
These scenarios show how to calculate interest on credit card balance over time and the devastating impact of minimum payments versus the power of paying more each month.
APR Comparison – How Interest Rates Affect You
Your credit card's APR significantly impacts how much interest charge on credit card you pay. Here's how different APRs affect a $5,000 balance with $200 monthly payments. Use this as your purchase apr calculator reference to understand rate impacts.
| APR Rate | Months to Payoff | Total Interest | Total Paid |
|---|---|---|---|
| 0% (Promo Rate) | 25 months | $0 | $5,000 |
| 15% (Excellent Credit) | 31 months | $1,033 | $6,033 |
| 20% (Average) | 33 months | $1,522 | $6,522 |
| 25% (Fair Credit) | 36 months | $2,137 | $7,137 |
Key Insight: A 10% difference in APR can cost you hundreds or thousands in extra interest. Always pursue balance transfers or rate reduction calls with your issuer.
Best Use Cases for This Interest Calculator
Planning Scenarios:
- Debt Payoff Planning – Calculate exactly how long it will take to become debt-free
- Payment Strategy Comparison – Compare minimum payments vs. aggressive payoff approaches
- Balance Transfer Decisions – Calculate whether a balance transfer saves money
- Calculate payment and interest breakdown for budgeting purposes
Financial Situations:
- Credit Card Holders – Understand true cost of carrying balances
- Debt Consolidation Planners – Evaluate whether consolidation makes sense
- Budget Optimizers – Determine optimal payment amounts within budget constraints
- Calculate interest rate for credit card comparison shopping
Pro Tips to Reduce Credit Card Interest Charges
Proven Strategies to Save Money on Interest:
- Pay More Than the Minimum – Even an extra $50/month can save thousands in interest
- Use Balance Transfer Cards – 0% APR promotional periods can eliminate interest for 12-21 months
- Target High-APR Cards First – Use the avalanche method to pay off highest-rate cards first
- Call for Rate Reduction – Request a lower APR from your issuer; 70% of people who ask receive some reduction
- Pay Twice Per Month – Bi-weekly payments reduce average daily balance and interest charges
- Stop New Charges – Avoid adding to balance while paying off debt
- Set Up Automatic Payments – Never miss a payment and avoid penalty APR increases
- Consider Debt Consolidation – Personal loans often have lower rates than credit cards
Understanding Credit Card APR – 2025 Rate Guide
Your credit card's Annual Percentage Rate (APR) is the yearly interest rate you pay on outstanding balances. Understanding how to determine credit card interest rate and how is apr on credit card calculated helps you make informed decisions. Use our daily apr calculator to see how annual rates convert to daily charges. This credit card interest payment calculator shows exactly how much interest does credit card charge based on your APR.
| Credit Profile | Typical APR Range | Monthly Rate | Interest on $1,000 |
|---|---|---|---|
| Excellent (750+) | 14-18% | 1.17-1.50% | $11.70-$15.00 |
| Good (700-749) | 18-21% | 1.50-1.75% | $15.00-$17.50 |
| Fair (650-699) | 21-25% | 1.75-2.08% | $17.50-$20.80 |
| Poor (Below 650) | 25-29.99% | 2.08-2.50% | $20.80-$25.00 |
Rates as of 2025. Your actual APR depends on creditworthiness, card type, and issuer policies. Use this credit card interest rate per month reference to understand your charges.
Types of APRs You Should Know
Credit cards can have multiple APRs for different transactions. Understanding how to find the interest rate on your credit card and how to find out interest rate on credit card statements helps you avoid costly surprises. This credit card interest monthly breakdown shows different rate types:
Purchase APR
The standard rate applied to regular purchases. This is the most common APR and what most people refer to when discussing credit card interest rates.
Cash Advance APR
Higher rate for cash withdrawals, typically 25-29.99%. Interest starts immediately with no grace period, plus a 3-5% fee applies.
Balance Transfer APR
Often promotional (0% for 12-21 months), then reverts to standard rate. Usually includes a 3-5% transfer fee.
Penalty APR
Punitive rate (up to 29.99%) triggered by late payments or returned payments. Can apply indefinitely until you rebuild good payment history.
How Credit Card Companies Calculate Your Interest
Most credit card issuers use the average daily balance method. Understanding how is monthly interest calculated on credit cards and how the interest is calculated on credit card helps you verify charges. Use our credit card interest calculator daily tool to see daily accumulation. This shows how is annual percentage rate calculated on credit cards and how interest is calculated in credit card billing cycles.
Average Daily Balance (Most Common)
Adds up your balance each day of the billing cycle, divides by the number of days, then multiplies by the daily rate.
Impact: Most fair method; reflects actual borrowing patterns throughout the month.
Daily Balance Method
Applies the daily rate to each day's balance individually, then sums all charges for the month.
Impact: Similar to average daily balance; very precise but complex.
Previous Balance Method
Uses only the balance from the end of the previous cycle, ignoring payments or new charges.
Impact: Less favorable; you pay interest even on amounts you've paid off during the cycle.
Smart Credit Card Payoff Strategies
Choosing the right debt payoff strategy can save you thousands in interest and help you become debt-free faster. Use our calculating credit card interest payment tools to compare strategies. This credit card apr payment calculator helps you see the impact of different approaches.
Avalanche Method (Best for Savings)
Pay minimums on all cards, then put extra money toward the highest APR card first.
Advantages:
- Saves the most money on interest
- Mathematically optimal approach
- Fastest payoff timeline
Best for: Disciplined savers focused on maximum savings
Snowball Method (Best for Motivation)
Pay minimums on all cards, then put extra money toward the smallest balance first.
Advantages:
- Quick wins build momentum
- Psychological boost from eliminating debts
- Easier to stay motivated
Best for: Those who need motivation and quick victories
Balance Transfer Strategy Guide
Balance transfers can be powerful tools for reducing interest. Use our calculate credit card finance charge tool to compare options. This credit card payment calculator apr shows the savings potential.
When Balance Transfers Make Sense:
Scenario: You have $8,000 at 22% APR and find a 0% APR card for 18 months with 3% transfer fee
Transfer Cost: $240 (3% of $8,000)
Interest Savings: If you pay $500/month, you save approximately $1,200 in interest
Net Benefit: $960 savings even after transfer fee
Critical: You must have a plan to pay off the balance before the promotional period ends, or you'll face deferred interest on the remaining balance.
Credit Card Debt Decision-Making Framework
Use these key questions to guide your credit card debt management decisions. Our credit card balance calculator interest tool helps answer these questions with real numbers.
Assessment Questions:
- How much interest am I actually paying? – Use our calculator to see the shocking truth
- Can I afford to pay more? – Even $25-50 extra makes a significant difference
- Should I consolidate my debt? – Compare your current APR to personal loan rates
- How to calculate my interest rate on credit card? – Check your monthly statement
Action Steps:
- Which card should I pay first? – Highest APR (avalanche) or smallest balance (snowball)
- Is a balance transfer worth it? – Calculate savings minus transfer fees
- How can I avoid future debt? – Create a budget that eliminates the need for credit
- How to figure monthly interest on credit card? – Use our daily rate calculator
Use our interest on credit card balance calculator to model different scenarios and find the debt payoff strategy that works best for your situation.
Frequently Asked Questions – Credit Card Interest Calculator 2025
How do you calculate credit card interest?
Credit card interest is calculated using your APR divided by 365 to get the daily rate, then multiplied by your average daily balance and the number of days in the billing cycle. The formula is: Interest = (APR ÷ 365) × Average Daily Balance × Days in Billing Cycle. This shows how do you calculate monthly interest on a credit card.
What is APR on a credit card?
APR (Annual Percentage Rate) is the yearly interest rate charged on your credit card balance. If you carry a balance from month to month, you'll be charged interest based on this rate. Most credit cards have APRs ranging from 15% to 25%, though rates vary based on creditworthiness. Our apr daily calculator shows how annual rates convert to daily charges.
How much interest will I pay on credit card?
The interest you pay depends on your balance, APR, and payment amount. For example, a $5,000 balance at 20% APR with minimum payments could cost over $6,000 in interest over 15+ years. Our how much interest will i pay calculator shows exactly what you'll pay based on your specific situation.
How to calculate daily interest on credit card?
To calculate daily interest on credit card balances, divide your APR by 365 to get the daily periodic rate, then multiply by your balance. For example, a 20% APR card has a daily rate of 0.0548%. On a $3,000 balance, daily interest is $3,000 × 0.000548 = $1.64 per day. Our how to calculate daily credit card interest tool shows this automatically.
How much is credit card interest per month?
Credit card interest per month depends on your balance and APR. For a $5,000 balance at 21% APR, monthly interest is approximately $87.50. Use our how much credit card interest per month calculator to see your specific charges. The exact amount varies based on your billing cycle and payment timing.
How to calculate purchase interest charge?
Purchase interest charges are calculated using the average daily balance of your purchases multiplied by the daily periodic rate and billing cycle days. Use our how to calculate purchase apr tool to see charges on new purchases. Remember, purchases typically have a grace period if you pay in full.
How much am I paying in credit card interest?
To find out how much am i paying in credit card interest, check your monthly statement or use our calculator. The average American pays over $1,000 per year in credit card interest. Our how much am i paying in interest credit card tool shows your annual interest costs based on current balances.
What is the credit card interest rate monthly?
The credit card monthly interest rate is your APR divided by 12. For example, an 18% APR equals a 1.5% monthly rate. However, most cards calculate interest daily for more precision. Use our credit card interest rate monthly calculator to convert between annual and monthly rates.
How is monthly interest calculated on credit card?
Monthly interest is calculated using your average daily balance multiplied by the daily periodic rate (APR ÷ 365) and the number of days in your billing cycle. This how is monthly interest calculated on credit cards method ensures accurate charges. Our credit card monthly interest rate calculator shows the exact calculation.
Is this credit card interest calculator accurate?
Our calculator provides accurate estimates based on standard credit card interest calculation methods used by major issuers. However, actual charges may vary slightly based on your specific billing cycle, payment timing, and card issuer's exact calculation method. This credit card apy calculator uses industry-standard formulas.
Advanced Credit Card Interest Topics
Understanding Daily Compound Interest
Most credit cards use daily compound interest, meaning interest is calculated daily and added to your balance. This affects how to calculate interest on credit card balance over time. Our credit card daily compound interest calculator shows how compounding increases costs. Each day's interest becomes part of tomorrow's balance, creating a compounding effect that increases total interest charges.
Daily Compound Interest Example:
Day 1: $5,000 balance × 0.0548% = $2.74 interest
Day 2: $5,002.74 balance × 0.0548% = $2.74 interest
Day 30: Total interest is slightly higher than simple interest due to compounding
Use our credit card compound interest calculator to see the compounding effect on your specific balance.
Credit Card Interest on Balance vs. New Purchases
Understanding interest on credit card balance versus new purchases is crucial. Existing balances accrue interest daily, while new purchases typically have a grace period of 21-25 days if you pay your full statement balance. Our calculate interest on a credit card balance tool helps separate these charges. This interest on credit card debt distinction affects your payment strategy.
Existing Balance
- Interest starts immediately
- No grace period applies
- Compounds daily
- Use interest on credit card balance calculator
New Purchases
- 21-25 day grace period
- No interest if paid in full
- Lose grace period if carrying balance
- Calculate with purchase interest charge tools
How to Find Interest Charge on Your Statement
Wondering how to find interest charge on your credit card statement? Look for these key sections: "Interest Charged" or "Finance Charges" section shows total monthly interest. The "Interest Charge Calculation" section explains how it was calculated. Use our how to find my interest rate tool if your statement isn't clear. Your statement also shows the credit card interest rate per month breakdown.
Statement Key Terms:
- APR: Your annual percentage rate
- Daily Periodic Rate: APR ÷ 365
- Average Daily Balance: How your balance was calculated
- Finance Charge: Total interest and fees
- Interest Charges: Interest portion only
Credit Card Rates Calculator – Compare Different Scenarios
Our credit card rates calculator and credit card rate calculator help you compare different APR scenarios. Whether you're evaluating calculate apr payment credit card options or trying to figure out interest rate on credit card offers, these tools show the real cost. Use this as your credit card interest rates calculator to compare multiple cards.
Monthly vs. Annual Interest
Understanding credit card monthly interest and how it relates to annual charges is essential. Our monthly credit card interest calculator converts between monthly and annual rates. For example, a 24% APR equals approximately 2% per month, but daily compounding means the effective rate is slightly higher.
Conversion Example:
24% APR = ~2% monthly rate
On $10,000 = ~$200/month interest
Annual interest = ~$2,400
Calculate Interest Rate for Credit Card
To calculate interest rate for credit card payments, you can reverse-engineer from your statement. If you know your monthly interest charge and balance, divide the interest by the balance to get the monthly rate, then multiply by 12 for APR. Our calculate apr credit card tool automates this process.
Reverse Calculation:
Monthly Interest: $150
Balance: $10,000
Monthly Rate: 1.5%
APR: 1.5% × 12 = 18%
Understanding Credit Card Payment Calculator APR Relationship
Your payment amount directly affects interest charges. Our credit card payment apr calculator and credit card apr payment calculator show this relationship. When you calculate apr payment credit card scenarios, you'll see that higher payments reduce both payoff time and total interest. This credit card payment calculator apr tool helps optimize your payment strategy.
Payment Impact on Interest
| Monthly Payment | Months to Payoff | Total Interest | Interest Savings |
|---|---|---|---|
| $100 (minimum) | 137 months | $8,678 | Baseline |
| $200 | 33 months | $1,522 | $7,156 saved |
| $300 | 20 months | $887 | $7,791 saved |
| $500 | 12 months | $574 | $8,104 saved |
Example based on $5,000 balance at 22% APR. Use our credit card interest calculator monthly payment tool to calculate your specific scenario. This shows how calculate payment and interest work together.
Specialized Interest Calculations
Credit Card Interest Calculator for One Month
Our credit card interest calculator for one month and credit card interest calculator one month tools help you estimate single-month charges. Use this calculate credit card interest for one month feature when evaluating whether to pay off a balance immediately or carry it briefly. This credit card interest calculator per month shows precise monthly calculations.
One-Month Calculation Example:
Balance: $2,500 | APR: 19.99% | Days: 30
One Month Interest = ($2,500 × 0.1999) ÷ 365 × 30 = $41.08
This credit card monthly interest rate calculator helps evaluate short-term borrowing costs.
How to Calculate Interest on Credit Card Payment
When payments are made mid-cycle, calculating interest on a credit card payment becomes more complex. Your payment reduces the average daily balance, lowering interest charges. Our how to calculate interest payment on credit card tool accounts for payment timing. Understanding calculating credit card interest payment helps optimize when you pay.
Pay Early in Cycle
Making payments early in your billing cycle reduces your average daily balance, resulting in lower interest charges.
Example: Pay on day 5 instead of day 25 to reduce average balance significantly.
Multiple Payments
Making multiple payments per month (bi-weekly or weekly) reduces average daily balance even more.
Strategy: Split monthly payment into 2-4 smaller payments throughout the cycle.
Interest Credit Cards – Special Considerations
Different interest credit cards have varying calculation methods and rates. Understanding credit card and interest variations helps choose the right card. Some cards offer promotional rates, others have variable APRs that change with market conditions. Our credit card formulas section helps decode different calculation approaches.
Special Card Types:
- 0% APR Promotional Cards – No interest for 12-21 months on purchases or transfers
- Variable APR Cards – Rate changes based on prime rate or market index
- Fixed APR Cards – Rate only changes with notice (typically 45 days)
- Rewards Cards – Often have higher APRs (22-24%) but offer points or cash back
- Secured Cards – May have higher rates but help build credit
Related Financial Tools & Resources
Looking for more? CalcNavigator offers comprehensive credit calculator tools to optimize your finances. Try our all-in-one credit card calculator tools to compare payoff strategies and interest costs:
Credit Card Payoff Calculator
Complete debt elimination planning with multiple payment strategies and timelines.
Debt-to-Income Calculator
Check debt load and qualification chances for consolidation loans or new credit products.
Budget Calculator
Plan expenses to maximize debt payments and accelerate your debt-free timeline.
Compound Interest Calculator
Plan investments after debt payoff to build wealth with the money you save on interest.
Credit Card Education Guides
Master your credit card debt management with our comprehensive guides:
How Long to Pay Off Credit Card Balances
Real scenarios and timeline comparisons for different payment strategies and APR rates.
Real Cost of Credit Card Debt
Understand the true financial impact of carrying credit card balances over time.
Take Action Now – Stop Paying Unnecessary Interest
Every month you carry a credit card balance costs you money in interest charges. The average American pays over $1,000 per year in credit card interest. Don't let that be you. Use this interest calculation tool to quickly calculate credit card charges and see how much you can save by increasing your payments. Our how credit card interest works guide shows you exactly where your money goes.
What You Can Do Right Now:
- Calculate Your Interest – Use our calculator to see how much interest on credit card you're really paying
- Increase Your Payments – Even $50 more per month makes a huge difference
- Stop New Charges – Put cards away while you pay down balances
- Call Your Issuer – Request a lower APR (70% of people who ask receive it)
- Research Balance Transfers – Look for 0% APR promotional offers
Key Debt Elimination Principles:
- • Pay more than the minimum every single month
- • Attack high-APR cards first (avalanche method)
- • Automate payments to never miss due dates
- • Track progress weekly to stay motivated
- • Celebrate milestones along your debt-free journey
Reality Check: If you have a $5,000 balance at 22% APR and only make minimum payments, you'll pay over $7,800 in interest and take 18+ years to pay off. Increase your payment to just $250/month and you'll be debt-free in 2 years, saving over $6,500 in interest. Use our how much interest charged on credit card calculator to see your exact savings potential.
Important Financial Disclaimer
CalcNavigator's free credit card interest calculator provides estimates for educational purposes only and should not be considered professional financial advice. Results are projections based on the assumptions you input and standard credit card interest calculation methods. Actual interest charges may vary based on your card issuer's specific calculation method, billing cycle timing, payment processing, and other factors.
Always consult with qualified financial advisors, credit counselors, and debt management professionals before making significant financial decisions. Consider your complete financial picture, credit score impact, and long-term financial goals when developing a debt payoff strategy.
Privacy Note: CalcNavigator does not store your personal financial information - all calculations are performed locally in your browser for maximum security and privacy. We never share or sell your data.
This credit card interest calculator was developed by CalcNavigator's team of financial experts, including Certified Financial Planners and debt management specialists, to help you understand credit card interest charges and make informed debt payoff decisions using industry-standard calculation methods. Last updated October 16, 2025, with current credit card industry data and 2025 average APR rates.