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The variable APR is the interest rate that will vary with the market based on the Prime Rate. The issuers usually add 10% to 20% to the Prime Rate to determine the purchase and balance transfer APR. However, as a rule variable APRs do not exceed 30%. With this high credit score you may qualify for a credit card with low interest rate. We cannot tell you how low your interest rate will be because each card has its terms and some cards come with a range of APRs. And your interest rate will be determined by the issuer based on your creditworthiness.