Established Contributor
zyzzus
Posts: 523
Registered: ‎10-22-2012
Planning app(s) for NON-reward cards

I'd like to add Discover IT to my mix sometime this summer but I am fairly content with the current  mix of cards I have (really want to upgrade my US Bank CC to cash+)

 

I am wanting to add cards that have lower rates/fees on things in the unfortunate even I get to the point where I cannot PIF.

 

Barclaycard Ring

 

-APR is Prime +4.75

-No Balance transfer/annual fee

-Cash advance fee is $1

-FTF 1%

 

DCU Platinum Visa

 

-APR 8.5%-18.00%

-No Balance Transfer/annual fee

-No cash advance fee

-FTF 2%

 

 

I had a C/O card from Navy when I was still in the service and left and was unaware of how credit worked.  Not sure if I can get back in with them or not.  Thoughts suggestions and comments are encouraged and welcomed.

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom - $7,100 | Chase Amazon -$1,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 (I know what an odd limit) | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500 | Amex EveryDay$10,000 

Established Contributor
zyzzus
Posts: 523
Registered: ‎10-22-2012
Re: Planning app(s) for NON-reward cards

aparently no one cares about non-reward cards here! lol

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom - $7,100 | Chase Amazon -$1,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 (I know what an odd limit) | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500 | Amex EveryDay$10,000 

Contributor
nickn86
Posts: 130
Registered: ‎11-26-2012
Re: Planning app(s) for NON-reward cards

You could just open cards with 12-18 month 0% APR periods every year or so and/or balance transfer to the Chase Slate card (0% APR for BTs for some period, no BT fee) if you have a big balance.

 

I don't know too much about general low-APR cards.  I'd imagine credit unions are good for those.

Chase Sapphire Preferred - 5.6k (3/13) | Amex Premier Rewards Gold - NPSL (1/13) | Chase United MileagePlus Explorer Visa Signature - 9k (1/13) | Amex Delta Gold - 6k (9/12) | Citi Forward Visa - 10k (10/12) | Discover It - 2k (2/12) | Chase +1 Visa - $300 (2/11)
Valued Contributor
bs6054
Posts: 1,673
Registered: ‎11-11-2012
Re: Planning app(s) for NON-reward cards

zyzzus wrote:

I'd like to add Discover IT to my mix sometime this summer but I am fairly content with the current  mix of cards I have (really want to upgrade my US Bank CC to cash+)

 

I am wanting to add cards that have lower rates/fees on things in the unfortunate even I get to the point where I cannot PIF.

 

Barclaycard Ring

 

-APR is Prime +4.75

-No Balance transfer/annual fee

-Cash advance fee is $1

-FTF 1%

 

DCU Platinum Visa

 

-APR 8.5%-18.00%

-No Balance Transfer/annual fee

-No cash advance fee

-FTF 2%

 

 

I had a C/O card from Navy when I was still in the service and left and was unaware of how credit worked.  Not sure if I can get back in with them or not.  Thoughts suggestions and comments are encouraged and welcomed.


So the trouble is with the APR range for DCU.  8.5% is a good APR, 18.00% not so much, lots of rewards cards around there.  So you would need to know what range of APR you might get, and how long it might stay there.

Valued Contributor
jsucool76
Posts: 2,905
Registered: ‎12-11-2011
Re: Planning app(s) for NON-reward cards
+1 to bs6054

One thing that is appealing about the Ring. If you get approved you know what apr you're getting. 8.5-18 is a huge range, and 18 on a card with no rewards is terrible.
Wallet: Capital One Quicksilver 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 3000CL, Walmart Discover: 3500CL, UPromise Mastercard: 3500CL, Chase Slate: 1000CL, Discover IT: 2000CL, Citi Forward: 2600CL, Bank Of America Student Travel Rewards: 2700CL, Amex PRG, Citi DoubleCash: 1200CL
Valued Contributor
trumpet-205
Posts: 2,314
Registered: ‎11-11-2010
Re: Planning app(s) for NON-reward cards

You can also look into opening a Citi credit card. As long as you keep it in good standing there is constant 0% BT (sometime 0% purchase) offer.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Valued Contributor
lhcole77
Posts: 1,057
Registered: ‎09-18-2012
Re: Planning app(s) for NON-reward cards

zyzzus wrote:

I'd like to add Discover IT to my mix sometime this summer but I am fairly content with the current  mix of cards I have (really want to upgrade my US Bank CC to cash+)

 

I am wanting to add cards that have lower rates/fees on things in the unfortunate even I get to the point where I cannot PIF.

 

Barclaycard Ring

 

-APR is Prime +4.75

-No Balance transfer/annual fee

-Cash advance fee is $1

-FTF 1%

 

DCU Platinum Visa

 

-APR 8.5%-18.00%

-No Balance Transfer/annual fee

-No cash advance fee

-FTF 2%

 

 

I had a C/O card from Navy when I was still in the service and left and was unaware of how credit worked.  Not sure if I can get back in with them or not.  Thoughts suggestions and comments are encouraged and welcomed.


Just came across your post and found it interesting.

 

What did you wind up doing? I have been researching low APR cards lately. I have found some good ones.




EX08 FICO 738. EQ08 FICO 725. TU08 FICO 742.