What is the best way to avoid paying APR on a credit card?

Paying the full amount by the due date is the most effective way to avoid paying APR on a credit card. When you pay off your balance in full each month, you eliminate any remaining balance that would accrue interest. Most credit cards offer a grace period, which allows you to avoid interest charges on new purchases if you pay your entire balance on time.

By paying the full amount by the due date, you maintain good credit habits, avoid unnecessary debt, and keep your financial costs down. This approach also reflects responsible credit use, which can positively impact your credit score.

Choosing other options may not provide the same benefits. For example, only making the minimum payment can result in accruing interest on the remaining balance, leading to higher overall costs. Transferring a balance might temporarily relieve the situation, but it doesn’t eliminate the potential for APR if not managed properly. Setting up automatic payments is useful for ensuring timely payments, but if those payments do not cover the full balance due, interest charges could still apply.