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Lowest APR on Rewards Cards

New Contributor

Re: Lowest APR on Rewards Cards


RonDawg wrote:

US Bank Cash + card 7.99%


Is this rate for cash and purchases?

Message 11 of 42
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Valued Contributor

Re: Lowest APR on Rewards Cards


Benton wrote:

RonDawg wrote:

US Bank Cash + card 7.99%


Is this rate for cash and purchases?


Was that a special promotion?  Terms and Conditions now say rate is:

 

13.99% to 23.99% based on your creditworthiness when you open your account.

Message 12 of 42
Regular Contributor

Re: Lowest APR on Rewards Cards

My lowest is 10.24% with Alliant.

 

2nd is 12.99% with my local CU.

 

But most of mine are between 15-20%

Message 13 of 42
New Contributor

Re: Lowest APR on Rewards Cards


tburns wrote:

My lowest is 10.24% with Alliant.

 

2nd is 12.99% with my local CU.

 

But most of mine are between 15-20%


Why tolerate lenders willing to charge you such high APRs?

Message 14 of 42
Super Contributor

Re: Lowest APR on Rewards Cards


Benton wrote:

RonDawg wrote:

US Bank Cash + card 7.99%


Is this rate for cash and purchases?


Do you take out a lot of cash advances or something? 

Message 15 of 42
New Contributor

Re: Lowest APR on Rewards Cards


jsucool76 wrote:

Benton wrote:

RonDawg wrote:

US Bank Cash + card 7.99%


Is this rate for cash and purchases?


Do you take out a lot of cash advances or something? 


I do not borrow at all from a credit card, yet! The something is planning for an issue I hadn't anticipated. It seems many good people seek credit with out fully understanding the terms of service. Many folks plan to PIF, but look at the many who don't. Call APR awareness Insurance you never need to use, but have if need be. OK?

Message 16 of 42
Valued Contributor

Re: Lowest APR on Rewards Cards

Chase Ink Classic is 10.24%, PNC Cashbuilder Visa Signature is 12.99. Most I have are at 20 or over if I recall correctly. I care more about the limit than the rate.

 


Benton wrote:


Why tolerate lenders willing to charge you such high APRs?



Most people don't carry balances so rates aren't important. If people do plan to do it, they would be somewhat mad to do it on a rewards card, instead of a card made for carrying a balance.

Message 17 of 42
Contributor

Re: Lowest APR on Rewards Cards


Benton wrote:

RonDawg wrote:

US Bank Cash + card 7.99%


Is this rate for cash and purchases?


This is not an intro rate and it is just for purchases.This is my rate grand fathered in at US Bank this account was converted to a Cash + account and I kept my grand fathered in rate of 7.99%

AMEX Platinum, AMEX Blue cash (10k), AMEX Delta (10k), US Bank Premier Line (14.5k), US Bank Cash + (7.5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (9.5k), Chase Sapphire Preferred (8k), Alerus Financial Visa Signature issued by Elan (10k), BofA Cash Rewards (10k), Citi Thankyou Pref (6.5k) TU FICO Score = 807, EQ FICO Score = 780, EX FICO Score = 780,
CreditKarma score = 785, CreditSesame score = 773, Vantage = 903
Message 18 of 42
Contributor

Re: Lowest APR on Rewards Cards


jsucool76 wrote:

Benton wrote:

RonDawg wrote:

US Bank Cash + card 7.99%


Is this rate for cash and purchases?


Do you take out a lot of cash advances or something? 


Cash + is the name of the card. It is a 5% cat card like Freedom and More/IT

AMEX Platinum, AMEX Blue cash (10k), AMEX Delta (10k), US Bank Premier Line (14.5k), US Bank Cash + (7.5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (9.5k), Chase Sapphire Preferred (8k), Alerus Financial Visa Signature issued by Elan (10k), BofA Cash Rewards (10k), Citi Thankyou Pref (6.5k) TU FICO Score = 807, EQ FICO Score = 780, EX FICO Score = 780,
CreditKarma score = 785, CreditSesame score = 773, Vantage = 903
Message 19 of 42
Valued Contributor

Re: Lowest APR on Rewards Cards


RonDawg wrote:

jsucool76 wrote:

Benton wrote:

RonDawg wrote:

US Bank Cash + card 7.99%


Is this rate for cash and purchases?


Do you take out a lot of cash advances or something? 


Cash + is the name of the card. It is a 5% cat card like Freedom and More/IT


And even better with the 25% bonus on $100 redemptions.   So that 7.99% is a great rate for such a good reward card.

Message 20 of 42