Yes, travel credit card APRs are high -- but the lowest doesn't always win

Travel credit cards often advertise high APRs as a drawback, but the article argues the rate matters mainly if cardholders carry balances. Interest can erase the value of points or miles, illustrated with a scenario where a $5,000 balance on a 25% APR costs about $535 in interest if paid over nine months, overwhelming a $500 sign-up bonus. If the card is paid in full each month, APR becomes largely irrelevant because no interest is charged. Instead of focusing on APR, the piece says consumers should match cards to their travel patterns—airline or hotel branded benefits like free bags or upgrades—or choose general travel rewards for flexibility. It also advises evaluating minimum spending requirements to avoid debt and seeking higher rewards in categories where spending is strongest.