I don't usually pay much attention outside the one that is at the top of application that includes the rates related to me...
But just scrolling through looking for 0% terms I see the rates based on state and scroll down and "MOUTH DROP!" 5% for AR???
I think I need to go rent an apartment in AR!!
Does this apply for all cards or is this some sort of bonus because the founder of Kay lives in AR or something? The Credit Card is underwritten by Kay Company itself.
A non-trivial amount of banking regulations is determined by state, especially usury laws which this may or may not have fallen into, or something similar.