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Lowest APR?

New Contributor

Lowest APR?

Hey guys just woundering what is your lowest APR and on what card is it? Please no intro APR or blance transfers. 

 

I start off mine would be TFCU and 9.96% fixed.

 

 

Message 1 of 24
23 REPLIES
Established Contributor

Re: Lowest APR?

10.99% variable on Citi ThankYou Preferred, next is 13.24% fixed on Wells Fargo Cash Back Visa.

Discover IT $35K | FNBO Visa $30K | Cash+ Visa Sig $19.5K | Southwest Premier $16K | Priceline $15K | Citi Forward $14.3K | US Bank Plat $14K | Commerce Bank $13K | CSP $13K | CSR $10K | Sallie Mae World MC $10K | Lowe’s Consumer 10K | BoA Cash Rewards 1-2-3 Sig $7.5K | Fidelity Visa $7K | Citi Double Cash $6.5K | WF Cash Back Visa $5.4K | Capital One Cash Rewards $5K | AMEX BCE $3.9K | Freedom $2.5K | Younkers/Comenity $2.4K | Kohl’s 1.5K | Target $1.4K | EX FICO (from AMEX): 768, TU FICO (from Discover): 797, AAoA: 4.4 years
Message 2 of 24
Regular Contributor

Re: Lowest APR?

6% on my credit union Visa.

Message 3 of 24
Established Contributor

Re: Lowest APR?

I'm actually not entirely sure... I think my Citi Dividend is at 11.99 and I'm pretty sure that's my lowest.  I think the rest are all in the teens and 20's.

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Message 4 of 24
Valued Contributor

Re: Lowest APR?

15 something on my DCU visa, lol.  It's my first card under 20 so I'm liking the progress.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 5 of 24
Valued Contributor

Re: Lowest APR?

8% on my CU CC and 12.99 on my CITI TYP after 12 months of no interest


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 6 of 24
Established Contributor

Re: Lowest APR?

My lowest is 9% with PSECU.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 7 of 24
New Contributor

Re: Lowest APR?


Settemio wrote:

6% on my credit union Visa.


which credit union? 

Message 8 of 24
Contributor

Re: Lowest APR?

9.96% also with TFCU lol.

Message 9 of 24
Frequent Contributor

Re: Lowest APR?

12.99% on a Citi TYP after 0% 12 month APR. Just found out through checking my spam folder in email an app I put in back in December was approved (Totally forgot about that one. Sorry to my gardening buddies, it slipped my mind). Next would be 13.99% on my NFCU Visa NRewards card.


Starting Score: 686 TU / 683 EQ 01/17/2013
Current Score: 703 TU / 691 EQ 10/04/2013 / 688 EX 11/12/2013
Goal Score: 700 across all three


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Message 10 of 24