which card low APR

quest208 · ‎05-08-2012

which cards have the lowest APR, lowest interest?

lets assume excellent credit scores, et al

i notice that barclays ring card states 8%....that's pretty good. how to the credit union credit cards fare out?

TU08 762
NFCU Visa Signature $20,000, Citi Prestige $15,500, USAA Mastercard $11,000, American Express Platinum, Barclays American Express $4700, Best Buy Mastercard $400, Orchard/Capital One $700

pizzadude · ‎05-09-2012

@quest208 wrote:
which cards have the lowest APR, lowest interest?
lets assume excellent credit scores, et al

i notice that barclays ring card states 8%....that's pretty good. how to the credit union credit cards fare out?

8% is one of the lowest rates I've seen. There might be intoductory/BT rates or promotional rates that are temporarily lower, but they usually pop up to over 10%.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

boomhower · ‎05-09-2012

For a non-intro rate your not going to beat 8% by much. Even to get to that level you'll have to look into CU cards. 8% is a great CC rate.

DaveSignal · ‎05-09-2012

@quest208 wrote:
how to the credit union credit cards fare out?

NFCU cards range from 7.99% to 9.99% with excellent credit.

EX:694 TU:744 EQ:777

Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k

SwiftTone · ‎05-09-2012

I have a Capital One card that I got years ago with 7.15% but I dont think they offer that anymore

Credit unions have really low rates. I think I saw my local CU advertise 2.99%

AMEX: $25,000, CSR: $10,000, Chase Priority Club: $1,500, Freedom: $5000, Freedom Unlimited: $1000, Discover: $21,000, BoA $11,000, WF Cash Wise: $5000

EQ FICO - 753
TU FICO - 755
EX FICO(AMEX) - 766

ajh5408 · ‎05-09-2012

Credit unions are usually the best option for low rates... Off the cuff, one in my area is offering 5.75%. Though if you have excellent credit to begin with, it's not too difficult to hop around on 0% intro offers.

Ron1 · ‎05-09-2012

First Command Bank Visa has 6.25% APR. I think it is the lowest.

Ron.

ILBrian · ‎05-09-2012

If you can get citi to let you apply for the Citi Professional Card (issued as a personal card through the business unit) its 6.74%

Wallet: Discover IT, Discover Gas, Citi Professional (6.74% apr), Chase Freedom, Cap1 Quciksilver, Élan Financial Rewards, BOA Amex, Walmart, CareCredit, Paypal Smart Connect, Kohls, HSBC Cash or Fly, Chase Sapphire Preferred, Amex Zync, Amex Blue Cash Preferred, USAA Plat Rewards, Chase Ink, NFCU Plat

rootpooty · ‎05-09-2012

Navy federal credit union platinum card has got to be the best. If you have good-excellent credit you get low Apr with a high credit limit

Anonymous · ‎05-10-2012

@quest208 wrote:
which cards have the lowest APR, lowest interest?
lets assume excellent credit scores, et al

i notice that barclays ring card states 8%....that's pretty good. how to the credit union credit cards fare out?

@I was just approved this week at my CU for a Visa Plat. 8.24% and BT @ 7.49% FOR LIFE OF BALANCE TRANSFER, and NO BT fee.