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Once in a blue moon I actually paid attention to the band of credit cards running at the top of this page, and noticed the touted top balance transfer card: Simmons First Visa Platinum. This card does have a very low regular APR: 7.25%, and charges no balance transfer fees. If I had to carry a low-interest card for emergency situations, is there any better card out there?
There are credit unions with lower rates. Off the top of my head I know anyone can join with donation:
Boeing Employee Credit Union (BECU) - 6.9%
State Department Federal Credit Union (SDFCU) - 6.99%
Not sure if anyone can join CP Federal Credit Union - 6.25% (Maybe through the YMCA? Consumer's Employee Club? Other organizations? Better double check with them.)
Anyone know any others?
@slickshoes182 wrote:There are credit unions with lower rates. Off the top of my head I know anyone can join with donation:
Boeing Employee Credit Union (BECU) - 6.9%
State Department Federal Credit Union (SDFCU) - 6.99%
+1, my SDFCU card has a 6.99% APR. There also are no fees (including no ForEx fees), it has an EMV chip, and it earns reward points.
@HiLine wrote:Once in a blue moon I actually paid attention to the band of credit cards running at the top of this page, and noticed the touted top balance transfer card: Simmons First Visa Platinum. This card does have a very low regular APR: 7.25%, and charges no balance transfer fees. If I had to carry a low-interest card for emergency situations, is there any better card out there?
IberiaBank Select Visa matches that. Both IberiaBank and Simmons First can be difficult approvals from what I've read, but I had no problem with IberiaBank. And they were rather generous with their CL of $8K to start for me. Wasn't expecting that, figured maybe $5K as a starting point with them.
@slickshoes182 wrote:There are credit unions with lower rates. Off the top of my head I know anyone can join with donation:
Boeing Employee Credit Union (BECU) - 6.9%
State Department Federal Credit Union (SDFCU) - 6.99%
Not sure if anyone can join CP Federal Credit Union - 6.25% (Maybe through the YMCA? Consumer's Employee Club? Other organizations? Better double check with them.)
Anyone know any others?
I joined CP Pfederal through my Sam's Club Membership. The rep asked me how I found out about their credit union, and i gave you guys a shout out!
@thom02099 wrote:
@HiLine wrote:Once in a blue moon I actually paid attention to the band of credit cards running at the top of this page, and noticed the touted top balance transfer card: Simmons First Visa Platinum. This card does have a very low regular APR: 7.25%, and charges no balance transfer fees. If I had to carry a low-interest card for emergency situations, is there any better card out there?
IberiaBank Select Visa matches that. Both IberiaBank and Simmons First can be difficult approvals from what I've read, but I had no problem with IberiaBank. And they were rather generous with their CL of $8K to start for me. Wasn't expecting that, figured maybe $5K as a starting point with them.
...but did I read this correctly..??? there is a $35 AF on the select card? Wouldn't Simmons gain an advantage for their comparable card since they dont have an AF?
The IberiaBank Select Visa is not the comparable card, the Iberiabank Visa Classic is. The IberiaBank Visa Classic has no annual fee and a lower APR (7.25% on the classic, 7.5% on the select... 7.25% is the rate on the Simmons First, too.). I don't see any advantage to the Select Visa... maybe its just easier to get approved?