One of the greatest benefits that come with having a credit card is the availability of APR (annual percentage rate). APR stands for the annual percentage rate of how much you owe on your credit card, and is also known as the card’s interest rate. Having a low APR can be useful for people who are trying to save money and manage their finances in a responsible manner. Here are some of the positive benefits of having a low APR on your credit card.

1. Reduced Interest Charges: Credit card interest rates can be quite high, and if you can manage to get a card with a lower APR, you'll be able to save money on interest charges. A lower APR allows you to pay less in interest over the long term, so it's important to compare rates in order to find a good deal.

2. Payments Over Time: With a lower APR, you can pay off your balance over a longer period of time. This can reduce your monthly payments, making it easier to stay on top of your bills and avoid late fees. It can also help you pay off the balance faster, since smaller payments add up over time.

3. Purchasing Power: Low APR credit cards tend to have higher credit limits, which can be helpful if you plan on making large purchases. Having access to a higher credit limit can help you afford to make larger purchases than you would be able to with a card that doesn't offer a low APR.

4. Increased Credit Score: Making regular, on-time payments on a low APR credit card can help you build up a good credit score. Good credit scores can help you obtain better offers from other credit card companies, or help you secure larger loans and lower interest rates in the future.

Overall, low APR credit cards offer a range of benefits that make them a attractive choice for people interested in saving money and building credit responsibly. If you're looking to get a new credit card, research the available rates to find the one that fits your needs the most.