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What does APR mean I'm paying?
Welcome to the world of personal finance.  IMO, you are heading for trouble. To answer your question, the APR is the annual percentage rate, or what you pay to borrow money from the CC issuer.  For example, if you charge $100, and the bill comes, and you pay $100 on or before the due date you pay nothing.  If you pay the minimum payment, which would be around $15, you would then borrow $85 (100-15) and pay interest on that amount.  The next month's balance would be 85 + any new charges + interest.  The interest in this case can be estimated as follows:  85*.199/12 = 1.41. For your information that is a very high interest rate especially given the current market for borrowed money.  Many people become saddled with debilitating debt starting off just like you are planning.  If we were friends, I would implore you not to get a CC, instead save up and pay for things with cash.