In the modern world, it's hard to imagine life without one of the most useful tools ever invented: the APR credit card. These cards offer consumers the ability to purchase items at retailers without having to carry cash or write checks. Not only convenient, these cards also offer a variety of benefits, from cash back on purchases to rewards and more. Here, we look at some of the positive benefits of having an APR credit card.

1. Reward Points: Reward points are perhaps the most attractive benefit of having an APR credit card. Most cards offer reward points for every dollar spent, which can be redeemed for cash or gift cards or for travel and merchandise. With these reward points, cardholders can save money while shopping and traveling.

2. Cash Back: Even if they don't offer reward points, many APR credit cards offer cash back on their purchases. This can come in the form of a percentage of the purchase price, or simply a fixed amount that's returned to the cardholder each time they use their card. When used regularly, this can lead to significant savings over the course of a year. Plus, some APR credit cards also offer various bonuses and rebates that reward cardholders for loyal use of their card.

3. Low Interest Rates and Fees: Many APR credit cards also offer low interest rates and transaction fees. This can be beneficial for those with ongoing payments on their card balance. Plus, these rates and fees are usually variable, allowing cardholders to adjust them depending on their current circumstance.

4. Fraud Protection: Last but not least, APR credit cards also offer protection against fraud. This is especially beneficial for those who shop online regularly, as they can enjoy peace of mind thanks to the card's built-in fraud protection.

Overall, there are many positive benefits that come with having an APR credit card. From reward points and cash back bonuses to low interest rates and fees and fraud protection, having an APR credit card is an essential tool for savvy consumers.