@galahad15 wrote:
@red259 wrote:I would hope if someone was looking to carry a balance they would be able to get a 0% APR offer. If someone is carrying a balance and paying an apr then that will pretty much negate any rewards.
True and agreed, but please remember that even the best 0% promo offer only lasts for so long, before most cards then enter into the double-digit, go-to APR range
Versus potentially having one very low, long-term and single-digit APR.
The Barclay ring card is a better option imo
@Anonymous wrote:
@galahad15 wrote:
@red259 wrote:I would hope if someone was looking to carry a balance they would be able to get a 0% APR offer. If someone is carrying a balance and paying an apr then that will pretty much negate any rewards.
True and agreed, but please remember that even the best 0% promo offer only lasts for so long, before most cards then enter into the double-digit, go-to APR range
Then you apply for another 0% card and BT... Never an excuse to be paying any APR...even if it is 6%
You will run out of those eventually
@thelethargicage wrote:
@Anonymous wrote:Here's what I have: Chase Freedom, Discover IT, BOA BBR, AMEX BCE, Capital1 QS, Barclay Sallie Mae, US Bank Cash+. Have pretty low spending so not looking for something with an AF (most likely). Is there anything I should apply for? maybe Discover Miles? Thanks.
I'm on the same boat as you--it's called app withdrawal. I would just concentrate on CLIs and APR reductions from now on. Don't app for something out of boredom--that's how you get stuck with subpar cards from smallish issuers, which you've managed to stay away from. Great lineup, by the way.
But if you absolutely have to app, I'd go with the Fidelity Amex.
Eh cdouble cash is much easier and isn't an Amex. Go with the double cash 100% of the time over the fidelity Amex.