What about APR. Is that annual? Is there any way for don’t pay for that? Please, explain me about it

Please review the support article linked below. APR is an annual rate and it’s variable.

How to avoid or lower Apple Card interest charges - Apple Support

The way the rate is determined is in the Terms & Conditions.

https://www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf

If we are talking about the Apple Card, the only time that the APR would matter is if you're carrying a balance on the card that isn't a part of any 0% interest promotion (like financing an iPhone for 24 months). If you don't plan on carrying a balance, then I wouldn't worry about it in my opinion.

You might find this resource informative:

https://www.consumerfinance.gov/consumer-tools/credit-cards/