Credit Cards Center Credit cards from our partners
Reply
Frequent Contributor
Posts: 285
Registered: ‎03-29-2008
0

Any recommendations for a low-interest credit card (no rewards)?

Awhile ago I asked on here for a recommendation for a credit card with good rewards - I got a Chase Freedom Card - and I really love it. I use that card only for purchases that I will pay in full at the month, so I just get the rewards - it's awesome free money!
 
Anyway, now I want another card - with the purpose of being used only if I must make a purchase that I am not sure that I can pay-in-full. So what I want is a low rate, both introductory and beyond. What can somebody recommend (for someone with a fico just below 650)?
 
Thanks.
Senior Contributor
Posts: 4,831
Registered: ‎04-20-2007
0

Re: Any recommendations for a low-interest credit card (no rewards)?

Since you already have a Chase card why not go for their Platinum Visa? I got one last year one year introductory 0% then up to 18%. Ouch. Citi has a couple intro no interest cards as well. Diamond Preferred and Platinum. Check their website.
Frequent Contributor
Posts: 285
Registered: ‎03-29-2008
0

Re: Any recommendations for a low-interest credit card (no rewards)?

How do you all feel about having two cards from the same bank? (chase)
 
Before the last post (thank you!) I had not considered this. I think a drawback would be that they would not allow BTs with improved rates between the two. Other than that, what do you think?
 
Is there an actual advantage to having 2 cards from the same place? More likely to get approved?
 
Thanks
Super Contributor
Posts: 8,197
Registered: ‎03-25-2007
0

Re: Any recommendations for a low-interest credit card (no rewards)?



ace9848 wrote:
 
Anyway, now I want another card - with the purpose of being used only if I must make a purchase that I am not sure that I can pay-in-full. So what I want is a low rate, both introductory and beyond. What can somebody recommend (for someone with a fico just below 650)?

I use a CU card for that
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Frequent Contributor
Posts: 285
Registered: ‎03-29-2008
0

Re: Any recommendations for a low-interest credit card (no rewards)?

Do I have to get a CU checking account or savings account in order to get a CU card?
Super Contributor
Posts: 8,197
Registered: ‎03-25-2007
0

Re: Any recommendations for a low-interest credit card (no rewards)?

My local CU requires a savings account only, but I now have savings, checking, HELOC and CC because their rates are good
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Regular Contributor
Posts: 117
Registered: ‎04-30-2008
0

Re: Any recommendations for a low-interest credit card (no rewards)?

I got a card just for this reason.  I received a pre-approval from Juniper for a rate of 7.99% fixed.  I jumped at it!

Starting Score: 703
Current Score: 7/8/10: TU - 738 EQ - 750
Previous Score: 1/22/10: TU - 703 EQ - 714
Goal Score: 750


Take the FICO Fitness Challenge
Senior Contributor
Posts: 3,279
Registered: ‎08-03-2007
0

Re: Any recommendations for a low-interest credit card (no rewards)?

A lot of people here recommend PenFed, JFCU, and NFCU as excellent credit unions if you wish to look into them a bit.

I have the non-rewards MasterCard from NFCU and it is at 11.9APR. CL is 15k.
Here we go again...
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.