Regular Rate

Explanation: The interest rate that will be charged on your balances after the Introductory Period is over (if applicable), assuming that you have not gone into default.

The terms Regular Rate and Regular APR are used interchangeably.

If the 'Regular Rate / APR' is a Range (e.g. 10% - 15%), that's because the final rate will be determined after you submit your application. The credit card or loan company's decision will be based on your credit history.

Our Thoughts: Make sure that you do not miss a payment or go over your credit limit since this might be a trigger for the Default APR, which is usually much higher than the Regular Rate.