Please wait.

<meta property="cq:wcmmode" content="disabled"/><meta property="articleFeedData" content="{"nextPageMobile":true,"nextPageNumberMobile":3,"nextPageUrl":"","prevPageNumber":-1,"bottomArticles":[],"authorArticlesMobile":[{"date":"Tue Feb 23 15:36:00 PST 2021","author":"/content/dam/cob-corp-acquisition/content-fragments/authorbio/tracy-scott/jcr:content/data/master","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2021/02/104343 COC_52_103878_usingacreditcardforgroceryshopping.jpg","previewDescription":"Until human beings figure out how to survive without food, \u201cgroceries\u201d is one of those expense categories in your monthly budget that's here to stay. Yes, there are things you can do to save on groceries, such as shopping on certain days of the week, clipping coupons, buying in bulk, purchasing food that\u2019s in season, buying generic brands, and more. But did you know that how you pay for your groceries could also save you money?","title":"Using Credit Cards for Grocery Shopping","pagePath":"/articles/using-credit-cards-for-grocery-shopping","imageAlt":"Grocery Shopping with Credit Cards","tags":["credit-one-central-topics:credit-card"]},{"date":"Mon Apr 27 00:00:00 PDT 2020","author":"/content/dam/cob-corp-acquisition/content-fragments/authorbio/tracy-scott/jcr:content/data/master","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2021/02/104343 COC_40_103563_takingadvantageofbalancetransfer.jpg","previewDescription":"One of the benefits credit cards offer is convenience. They make it easier to pay for everyday expenses and larger purchases that would otherwise require carrying a lot of cash. But, if you\u2019ve settled into making only the minimum required payment each month on your credit card, you may find you\u2019re paying an excessive amount of interest and your outstanding balance seems to be decreasing at a snail\u2019s pace. ","title":"Taking Advantage of Balance Transfers ","pagePath":"/articles/taking-advantage-of-balance-transfers","imageAlt":"Things to Consider with Balance Transfers","tags":["creditonebank:FinancialPlanning","credit-one-central-topics:credit-card","creditonebank:PersonalFinance"]},{"date":"Mon Mar 09 16:03:00 PDT 2020","author":"/content/dam/cob-corp-acquisition/content-fragments/authorbio/tracy-scott/jcr:content/data/master","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2021/03/104377_COC_58_103877_Giving_Back_to_Charity_with_Credit_Cards.jpg","previewDescription":"One of the many benefits credit cards offer is convenience. While they\u2019re primarily known for the convenience they offer in purchasing and getting things, did you know they can also be extremely convenient for giving?","title":"Using a Credit Card to Donate to Charity","pagePath":"/articles/using-a-credit-card-to-donate-to-charity","imageAlt":"Donate to Charity with Credit Cards","tags":["credit-one-central-topics:credit-card","creditonebank:FinancialEducation"]}],"prevPageMobile":true,"nextPage":false,"prevPage":true,"prevPageUrl":"/articles/author/tracy-scott","prevPageUrlMobile":"/articles/author/tracy-scott","prevPageNumberMobile":-1,"topArticles":[{"date":"Thu Oct 10 16:07:07 PDT 2019","author":"/content/dam/cob-corp-acquisition/content-fragments/authorbio/tracy-scott/jcr:content/data/master","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2021/02/104343 COC_31_103031_aprdefined.jpg","previewDescription":"Three little letters can significantly influence your finances: A\u2026P\u2026R. This often misunderstood acronym stands for \u201cAnnual Percentage Rate\u201d and represents the cost of borrowing money.","title":"What is APR on a Credit Card?","pagePath":"/articles/what-is-apr-on-a-credit-card","imageAlt":"Progressively larger stacks of coins","tags":["credit-one-central-topics:credit-card","creditonebank:FinancialEducation"]}],"lastPageNumberMobile":4,"currentPageNumber":2,"nextPageNumber":-1,"lastPageNumber":2,"nextPageUrlMobile":"/articles/author/tracy-scott.3","articlesTopics":["credit card"],"currentPageNumberMobile":2}"/>

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Photo of the author

About the author:

Tracy Scott is a freelance writer who specializes in personal finance and higher education. As a contributor for Credit One Bank, she has combined her expertise in these two areas and managing credit to create informative, engaging content for readers. Her reading list always includes a seemingly odd mix of financial literacy articles and sweet romance novels. She holds a BA in Psychology from the University of Texas at Austin and has a background in higher education regulatory compliance.

Progressively larger stacks of coins

What is APR on a Credit Card?

Three little letters can significantly influence your finances: A…P…R. This often misunderstood acronym stands for “Annual Percentage Rate” and represents the cost of borrowing money.

Page 2 of 2

Photo of the author

Tracy Scott

Tracy Scott is a freelance writer who specializes in personal finance and higher education. As a contributor for Credit One Bank, she has combined her expertise in these two areas and managing credit to create informative, engaging content for readers. Her reading list always includes a seemingly odd mix of financial literacy articles and sweet romance novels. She holds a BA in Psychology from the University of Texas at Austin and has a background in higher education regulatory compliance.

Posts By This Author

Grocery Shopping with Credit Cards

Using Credit Cards for Grocery Shopping

Things to Consider with Balance Transfers

Taking Advantage of Balance Transfers

Donate to Charity with Credit Cards

Using a Credit Card to Donate to Charity

Page 2 of 4

This material is for informational purposes only and is not intended to replace the advice of a qualified tax advisor, attorney or financial advisor. Readers should consult with their own tax advisor, attorney or financial advisor with regard to their personal situations.