While variable rate cards may be a couple percentage points lower in terms of APRs, fixed rate cards carry the benefit of always knowing your interest rate and monthly payment. Companies that lend on fixed-rate cards are required to provide customers with at least 15 days notice before they raise a card’s rate.
Though rates can change during times of heavy interest rate hikes, with a fixed rate card, you have the advantage of not feeling the market’s every minor jump.
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