A credit card can cost nothing in interest if you clear the full statement balance by the payment date, although some cards charge an annual fee. If you carry a balance, you’ll usually pay interest at the card’s advertised APR, while cash withdrawals, balance transfers, foreign spending and late payments may have separate charges. Check the card’s summary box and terms for the exact fees, interest rate and any introductory offer. Compare the total cost with other cards and contact the provider if you are unsure how charges would apply to your circumstances.