Does it ever make sense to get a credit card with a low regular APR? (vs. a 0% credit card or paying in full)
It might make sense (at least mathematically) for a consumer to take a low APR credit card instead of a 0% credit card. This would depend on the specific terms of each card. However, my experience with consumer finance is that the issues we face as consumers of credit cards are typically behavioral rather than a strict math function. When possible, consumers should strive to pay their credit card balances off in full.