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Super Contributor
Posts: 8,180
Registered: ‎05-23-2009

Re: Lowest APR?

First Command Bank Platinum Visa 6.25% (prime +3%). 




Regular Contributor
Posts: 110
Registered: ‎12-09-2012

Re: Lowest APR?

11.49% Chase Slate Visa

800+ Fico score achieved in 2015--7 cards for a total CL of $175,900
Frequent Contributor
Posts: 428
Registered: ‎01-21-2012

Re: Lowest APR?

[ Edited ]

Barclay Ring - 8%... for purchases, cash, and balance transfers! Also NO BT FEE!  --- No membership requirement! 


BFG FCU Visa - 8.99% for purchases, cash, and balance transfers NO BT FEE!


Towpath Credit Union Visa - 9.99% for purchases, cash, and balance transfers. NO BT FEE!

WF Home Projects Visa $8500 / Towpath CU Visa $7000 / Chase Freedom Visa $5500 / Cap 1 QS Visa Sig $5000 / Barclaycard Ring MC $5000 / GE Lowes $5000 / Citi Best Buy MC $4250 / Barclaycard Rewards Visa $4000 / BFG CU Visa $3500 / Citi Sears$3000 / WF Visa $2000 / GE Walmart $1900 / GE Care Credit $1900 / GE Amazon $1400 / Cap 1 Kohls $1000 / GE Old Navy $800 / Webbank Fingerhut $700
Posts: 95
Registered: ‎12-24-2011

Re: Lowest APR?

15.24% (Prime + 11.99%) on my Citi Forward Student card.


My Discover (soon to be) it card will be 16.24 starting with my next statement; it was 17.99%.

Cards: CitiForward for Students (2K, opened 8/2009), Discover it (2K, opened 7/2010), AMEX BCE (1k, opened 12/2010), Capital One Quicksilver (4.5k, opened 11/2011), Chase Freedom (1.5k, opened 8/2014)

AMEX Platinum (NPSL, AC arrangement, added 12/2011), Citi AAdvantage AMEX (9k, AU, backdated to 9/2008)

Scores: TU 667, EQ 651

In the Garden since 8/8.
Valued Contributor
Posts: 1,615
Registered: ‎09-15-2012

Re: Lowest APR?

12.99% on Chase Freedom

In My Wallet: Amex BCP (12/12) $32,000, Chase Freedom (12/12) $16,500, Citi Forward (12/12) $14,600, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Thank You Premier (6/15) $6,800

Last App: June 27, 2015
Established Member
Posts: 1,306
Registered: ‎09-22-2009

Re: Lowest APR?

8.0% on Barclay Ring Mastercard.

9.24% on Ameriprise World Mastercard.

9.99% on BOA Power Rewards Visa.



EQ Fico 8 - 850
TU Fico 8 - 850
EX Fico 8 - 850
Valued Member
Posts: 1,994
Registered: ‎11-17-2012

Re: Lowest APR?

7.9% on my Orchard Bank Secured card

Capital One Quicksilver WMC $20k | JCPenney Platinum $10k | Shell Drive for Five $800 | Chase Freedom VS $5k | TD Bank Easy Rewards VS $5k | Chase Sapphire VS $14.8k | American Express Blue Sky $13.7k | Discover IT $24k | SavingStar American Express $14.8k | American Express BCE $11.3k | Macy's American Express $7.2k | Capital One BuyPower WEMC $7.5k

FICOS: EX 772 EQ 724 TU 764 VantageScore 3.0: EX 748 EQ 753 TU 752
Established Contributor
Posts: 513
Registered: ‎12-07-2012

Re: Lowest APR?

9.99% on both PenFed cards.

Amex BCE $18,000 | BofA Power Rewards WMC $25,000 | Chase Freedom VS $15,000 | Chase IHG $1,000 | Discover It $7,900 | Local CU Visa $3,500 | PenFed Platinum Rewards VS $9,500 | Saks Store Card $3,000 | Saks WEMC $8,000
Frequent Contributor
Posts: 292
Registered: ‎01-17-2009

Re: Lowest APR?

chase freedom  @ 9.76%

BofA visa $9.4k ... BofA Cash Rewards visa sig $10k ... Cap 1 Venture1 visa sig $10k ...
Chase Freedom visa $10k ... Macy's $1.5k ... Macy's Amex $5k ... Sam's Club $6.3k
myFICOs as of 3/25/14:...EX=809 .... EQ=802....TU=787
Valued Member
Posts: 3,854
Registered: ‎01-10-2008

Re: Lowest APR?

Chamu 5.24

Boa 6.24

Barclays 8.XX

CFCU 8.50 


(Pen Fed 4.99 its a BT APR but for the life of the balance, so figured it could be an honorable mention.)

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover

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