cancel
Showing results for 
Search instead for 
Did you mean: 

Card with lowest APR?

Regular Contributor

Card with lowest APR?

Other than cards that offer that introductory 0% APR, what's the card with the lowest APR?

 

Did a bit of searching and found the Barclay Ring @ 8% (also found cards issued by Zions bank to be 7-7/25% but I don't live in either Idaho or Utah) but are there any cards that have even lower APRs?


Last app 5/7/2014

No apps until 3/31/2016!
Message 1 of 11
10 REPLIES
Super Contributor

Re: Card with lowest APR?

Simmons First has 7.25%, but no rewards.

Message 2 of 11
Regular Contributor

Re: Card with lowest APR?

oops proly should have mentioned - not really worried about the rewards part...I just wanted a cc as a jic I ever need to do a balance transfer (all of my current ones I believe are 13%+ APRs)


Last app 5/7/2014

No apps until 3/31/2016!
Message 3 of 11
Super Contributor

Re: Card with lowest APR?

Iberia bank is usually pretty low too, but 7.25% is the lowest I've seen recently.  I recalled seeing 5.99% in the past?

Message 4 of 11
Valued Contributor

Re: Card with lowest APR?


Open123 wrote:

Iberia bank is usually pretty low too, but 7.25% is the lowest I've seen recently.  I recalled seeing 5.99% in the past?


I want that! My lowest 8% from my CU because it has no rewards


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 5 of 11
Valued Contributor

Re: Card with lowest APR?

I've got a Citi Pro with a 7.24% APR. 

 

Before the feds "helped" people, my lowest was a Discover with a 3.99%.

 

 

Message 6 of 11
Super Contributor

Re: Card with lowest APR?

Barclay ring card is 8% for purchases, cash advances, and BTs
Message 7 of 11
Senior Contributor

Re: Card with lowest APR?

At one time Citi had a preferred APR that people with perfect credit were offered. DGF has them at 6.24%, forever.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Message 8 of 11
Regular Contributor

Re: Card with lowest APR?

Just did a bit more research into the Simmons First & Iberia Bank and found their APR to be Prime + 4% (which is fine now since the prime rate is so low but is there a way to get a fixed rate so I won't be screwed later?)


Last app 5/7/2014

No apps until 3/31/2016!
Message 9 of 11
Super Contributor

Re: Card with lowest APR?

Some banks offer fixed rate cards. I think FNBO sometimes sends out mail offers with them.
Message 10 of 11