With all these comparisons in place, it is evident that though 24.99% APR cards are indeed a little on the higher end, they do come with great benefits, and if one is sure that they would be able to abide by the cash limit in credit card and pay bills on time, the APR should not be of much concern. However, in case there exists a possibility of defaulting on bills, it is advised that customers pick a low APR card. Now that you are well aware of how APR works, all you need to do is pick the right card.