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Topic

Credit

Updated September 21, 2026

Cards and borrowing.

Tools and guides

  • GuideCredit card APR explainedPurchase APR is the cost of carrying a balance. It is not a penalty rate, and it is not APY.

Card APR snapshot

Purchase APR, penalty APR, and annual fee on two editorial card products. Not a ranking.

Full comparison
CardPurchase APRPenalty APRAnnual fee
Northline Unlimited20.24%29.99%$0
Cedar Cash Back21.99%29.99%$95

How we compared: figures as published for this snapshot on the as-of date. Not a ranking.

Latest in Credit

RSS
Hands signing a document
CreditSep 6, 2026

Utilization is a ratio, not a credit score

Balances divided by limits is one input some models use. It is not a FICO, and we will not invent yours.

Hands signing a document
CreditSep 1, 2026

A penalty APR is not the purchase APR

The purchase rate is the cost of carrying a balance. Penalty rates are a separate, higher schedule.