What is a finance charge?
The Bankrate.com financial term of the day is: "finance charge."
The finance charge is what they charge you to pay for things with your plastic. It's a monthly assessment of credit card interest costs and other fees that shows up on your card statement, and it's calculated using the card balance and the APR, or annual percentage rate. A credit card may have more than one finance charge: for example, a finance charge for purchases and a separate one for cash advances. You might avoid finance charges by paying off your balance in full each month.
The finance charge is one of the ways you pay for the privilege of using a credit card.
To find a credit card that has what you're looking for, visit the credit cards section at Bankrate.com.