APR is the annual percentage rate and shows the cost of borrowing, including certain fees, although the rate you receive can differ from a representative APR. The purchase rate applies to ordinary spending, while a balance transfer moves existing debt to another card and may have a fee or introductory rate. Cash withdrawals often attract separate fees and interest from the day you take the money, and paying only the minimum can make debt last much longer. Check the card’s terms and conditions carefully, and compare FCA-authorised providers before applying.