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Frequent Contributor
Posts: 285
Registered: ‎03-29-2008
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Best CC for low interest?

What is best CC offer you know of for low-interest (not rewards) credit cards? I already have a Capital One at 7.9% - what else is there? I'm not looking for a great introductory offer, just a good APR. Thanks!
Regular Contributor
Posts: 122
Registered: ‎06-02-2008
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Re: Best CC for low interest?

Your best bet is going to be local credit unions. They're also a lot less likely to rate jack you once you carry a balance. Although, 7.9% is very good...
Senior Contributor
Posts: 3,682
Registered: ‎01-10-2008
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Re: Best CC for low interest?

[ Edited ]


ace9848 wrote:
What is best CC offer you know of for low-interest (not rewards) credit cards? I already have a Capital One at 7.9% - what else is there? I'm not looking for a great introductory offer, just a good APR. Thanks!


you may want to focus your search on cu card options so you don't have to worry so much about climate issues, like getting rate jacked whilst carrying a bal.  here's the lowest rate on a cu card that i've seen: 
 
 
http://www.partners1stcu.org/ check eligibility, currently lists visa platinum at 4.99 variable.
 
 
2 relatively 'low rate' bank cards:
simmons first offers solid low rate card(s) mostly for squeaky clean records w 750+ score .  7.25 fixed apr
 
citi platinum select currently goes as low as 8.49 variable upon app., i believe, depending on history


Message Edited by score_building on 09-29-2008 07:48 AM
FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Frequent Contributor
Posts: 285
Registered: ‎03-29-2008
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Re: Best CC for low interest?

Will a credit union allow me to have a credit card without other types of accounts?
Thanks!
Regular Contributor
Posts: 221
Registered: ‎09-18-2007
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Re: Best CC for low interest?

Usually you have to have at least a savings account with a CU before you can get any of their services like CCs or Loans.  I orignally opened an account at my CU to get a car loan.  I liked it so much that I eventually eneded up transfering all my bank accounts there.
 
 
Oct 2008 FICO: EQ:706 ,EX:708, TU:720
Sept 2007 FICO: EQ:673, EX:683, TU:676
July 2006 FICO: EQ:627, EX:609, TU:645
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