What is YOUR lowest interest rate?

[MidnightVoice]

I have absolutely no idea - I PIF so I have not checked them for ages 

It was less than 10% a couple of years ago

[REgnlor]

Kay jewelers: Only 7% in AR!!! 

[Anonymous]

Addison Avenue FCU, Visa Platinum, 5.24%.

I believe it is supposed to go up to 7.25% under new regs, but is still sitting at 5.24% for now...not sure of the exact date it is supposed to roll up to the higher APR.

Next best is NFCU at 7.9%.

[Anonymous]

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@Anonymous wrote:

Addison Avenue FCU, Visa Platinum, 5.24%.

I believe it is supposed to go up to 7.25% under new regs, but is still sitting at 5.24% for now...not sure of the exact date it is supposed to roll up to the higher APR.

Next best is NFCU at 7.9%.

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Nice APR txjohn!

My lowest APR is 7.24% on my former Wa-Mu Platinum.  It has No Name, No Benefit, and No Rewards.

Next best is same as txjohn, it is 7.9%  on NFCU nRewards.   And highest is 16.99% on my Discover More as of 03/10'  

Anyway,  I always PIF before due date.  So, those APR does not matter to me at this moment until I am not able to PIF the balance.

[Anonymous]

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@JMN wrote:

Capital One Visa card. $5k or $5.5k limit (can't remember off the top of my head), with an ARP of 3.9%. I don't know what I did to get that rate, but I use the card at least one a month to keep it from possibly going inactive. I don't need to carry a balance right now, but if I do, they're the card I'll use. 

It used to be like 11% a year or two back. Dunno why they dropped it, but I'm not complaining. Cash advances are 25%, however. Luckily, I don't need, nor will I ever take, a cash advance.

After that, my Nationwide Bank Personal Visa card has a 7.24% APR, after my 6 months 0% intro rate.  In third place would be my Citi Diamond Preferred MasterCard, at 11.24%.

Message Edited by JMN on 02-28-2010 10:12 PM

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It doesn't matter how you got that low APR, That is Awesome APR JMN !!   

[Anonymous]

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@michaels88369 wrote:
My lowest is Capital One and its 4.80% apr. Ive had it now for 3 years and it has never changed from that, the only bad thing is that limit has never increased either. Its still only $300

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How nice!  Have you ever request CLI in this past 3 yrs? 

[TangMeister]

Ameriprise World Elite - 4.5%

3 or 4 others are anywhere from 8 to 10%. 

Bunch more 11% and up. 

I don't keep track much anymore.  I'm all about rewards and limits.  

[Anonymous]

7.62% CapitalOne Platinum MasterCard and 17.62% for cash advances

[mgs2010]

Chase +1 facebook student credit card........................6.25% fixed and I have NO idea WHY lol! but I've had it since 2007 and its been the same ever since. I think it may be some computer glitch or something because I have no idea why its so low...when I apped for the card the interest rate was in the high teens...somethings wrong here but I have used it, no account reviews. I just don't dare call in to customer service for fear of exposing their mistake.

[Anonymous]

6.24%v on a BOA Worldpoints Visa