Re: Lowest APR on Rewards Cards

Benton · ‎01-10-2009

RonDawg wrote:
US Bank Cash + card 7.99%

Is this rate for cash and purchases?

bs6054 · ‎11-11-2012

Benton wrote:
RonDawg wrote:
US Bank Cash + card 7.99%
Is this rate for cash and purchases?

Was that a special promotion? Terms and Conditions now say rate is:

13.99% to 23.99% based on your creditworthiness when you open your account.

tburns · ‎11-04-2010

My lowest is 10.24% with Alliant.

2nd is 12.99% with my local CU.

But most of mine are between 15-20%

Benton · ‎01-10-2009

tburns wrote:
My lowest is 10.24% with Alliant.

2nd is 12.99% with my local CU.

But most of mine are between 15-20%

Why tolerate lenders willing to charge you such high APRs?

jsucool76 · ‎12-11-2011

Benton wrote:
RonDawg wrote:
US Bank Cash + card 7.99%
Is this rate for cash and purchases?

Do you take out a lot of cash advances or something?

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart: 1300CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL

Benton · ‎01-10-2009

jsucool76 wrote:
Benton wrote:
RonDawg wrote:
US Bank Cash + card 7.99%
Is this rate for cash and purchases?
Do you take out a lot of cash advances or something?

I do not borrow at all from a credit card, yet! The something is planning for an issue I hadn't anticipated. It seems many good people seek credit with out fully understanding the terms of service. Many folks plan to PIF, but look at the many who don't. Call APR awareness Insurance you never need to use, but have if need be. OK?

navigatethis12 · ‎01-24-2012

Chase Ink Classic is 10.24%, PNC Cashbuilder Visa Signature is 12.99. Most I have are at 20 or over if I recall correctly. I care more about the limit than the rate.

Benton wrote:
Why tolerate lenders willing to charge you such high APRs?

Most people don't carry balances so rates aren't important. If people do plan to do it, they would be somewhat mad to do it on a rewards card, instead of a card made for carrying a balance.

RonDawg · ‎10-19-2012

Benton wrote:
RonDawg wrote:
US Bank Cash + card 7.99%
Is this rate for cash and purchases?

This is not an intro rate and it is just for purchases.This is my rate grand fathered in at US Bank this account was converted to a Cash + account and I kept my grand fathered in rate of 7.99%

-Ouch Fell out of the Garden-
AMEX PR Gold, AMEX Blue cash (15k), AMEX Delta (5k), US Bank Premier Line (14.5k), US Bank Cash + (5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (3.25k), Alerus Financial Visa Signature issued by Elan (10k) and JCPenney (5k..Oldest Account 20 Years)
FICO Score = 785 TU & 739 EQ Goal is 800 TU & 750 EQ
CreditKarma score = 762, CreditSesame score = 780, Vantage = 861

RonDawg · ‎10-19-2012

jsucool76 wrote:
Benton wrote:
RonDawg wrote:
US Bank Cash + card 7.99%
Is this rate for cash and purchases?
Do you take out a lot of cash advances or something?

Cash + is the name of the card. It is a 5% cat card like Freedom and More/IT

-Ouch Fell out of the Garden-
AMEX PR Gold, AMEX Blue cash (15k), AMEX Delta (5k), US Bank Premier Line (14.5k), US Bank Cash + (5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (3.25k), Alerus Financial Visa Signature issued by Elan (10k) and JCPenney (5k..Oldest Account 20 Years)
FICO Score = 785 TU & 739 EQ Goal is 800 TU & 750 EQ
CreditKarma score = 762, CreditSesame score = 780, Vantage = 861

bs6054 · ‎11-11-2012

RonDawg wrote:
jsucool76 wrote:
Benton wrote:
RonDawg wrote:
US Bank Cash + card 7.99%
Is this rate for cash and purchases?
Do you take out a lot of cash advances or something?
Cash + is the name of the card. It is a 5% cat card like Freedom and More/IT

And even better with the 25% bonus on $100 redemptions. So that 7.99% is a great rate for such a good reward card.