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Regular Contributor
Posts: 146
Registered: ‎01-05-2013
0

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!
Senior Contributor
Posts: 4,224
Registered: ‎02-23-2011
0

Re: Card with lowest APR?

Simmons First has 7.25%, but no rewards.

Regular Contributor
Posts: 146
Registered: ‎01-05-2013
0

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!
Senior Contributor
Posts: 4,224
Registered: ‎02-23-2011
0

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?

Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008
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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


$100K in Credit
Last Credit Card App: 11/16/13
Valued Contributor
Posts: 2,708
Registered: ‎10-16-2008
0

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%.

 

 

Senior Contributor
Posts: 4,467
Registered: ‎12-11-2011
0

Re: Card with lowest APR?

Barclay ring card is 8% for purchases, cash advances, and BTs
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Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008
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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.


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Regular Contributor
Posts: 146
Registered: ‎01-05-2013
0

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!
Senior Contributor
Posts: 4,467
Registered: ‎12-11-2011
0

Re: Card with lowest APR?

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