topic Re: Lowest APR credit card out there? in Credit Cards

Lowest APR credit card out there?

Anonymous — Sat, 23 Jan 2016 01:00:52 GMT

I'm curious who offers credit cards in the 5% or lower range. 2.9%? What's the lowest APR credit card out there?

Do ultra-low APR credit cards exist and if so where?

Thanks in advance!

Re: Lowest APR credit card out there?

ddemari — Sat, 23 Jan 2016 01:25:18 GMT

I have seen some 4.9%, 5.9% and 6.9% apr cards from some Credit Unions Out there.

My aunt has a BankAmericaCard MLB WMC that was opened in 2005, the apr on it is 4.9%. I dont have any cards with apr's that low. Lowest I have is a PenFed Visa Gold with an 11% APR.

Re: Lowest APR credit card out there?

Anonymous — Sat, 23 Jan 2016 01:37:32 GMT

Western Federal CU has a 5.24% that was less than 5% before the recent Fed rate hike. They have a fixed rate card I'm eyeing too!

Re: Lowest APR credit card out there?

Anonymous — Sat, 23 Jan 2016 01:46:40 GMT

My personal lowest is 7.49% with Amex.

I must not have good CU's around here, because other than one at 3% + prime which would be around 6.5% I believe, most of my CU's offer cards with 8.99-12.99%.

Re: Lowest APR credit card out there?

Anonymous — Sat, 23 Jan 2016 02:23:48 GMT

Lowest I've seen is FNBO amex with a Prime Amex so it's at 3.5% but has AF

Re: Lowest APR credit card out there?

Anonymous — Sat, 23 Jan 2016 02:48:43 GMT

My lowest is my Barclays Ring that was 8% and just bumped due to the Feds. I don't give it much thought since I PIF each month.

Re: Lowest APR credit card out there?

Themanwhocan — Sat, 23 Jan 2016 02:55:06 GMT

Check my thread here, scrolling down to the list of low apr cards: http://ficoforums.myfico.com/t5/Credit-Cards/Cash-Back-credit-card-charts/m-p/4004740#M1124387

That list was compiled before the fed hiked the prime rate by 1/4 of a percent.

Re: Lowest APR credit card out there?

elim — Sat, 23 Jan 2016 02:58:26 GMT

themanwhocan's charts.....

Re: Lowest APR credit card out there?

elim — Sat, 23 Jan 2016 03:00:03 GMT

@Themanwhocan wrote:
Check my thread here, scrolling down to the list of low apr cards: http://ficoforums.myfico.com/t5/Credit-Cards/Cash-Back-credit-card-charts/m-p/4004740#M1124387

That list was compiled before the fed hiked the prime rate by 1/4 of a percent.

lol, sorry... you beat me to it. :]

Re: Lowest APR credit card out there?

L0RDAVENTAD0R — Sat, 23 Jan 2016 09:57:13 GMT

I have a $10,000 VISA credit card with a 6.75% rate with Credit Union 1 (local FCU in Alaska).

Re: Lowest APR credit card out there?

Anonymous — Sat, 23 Jan 2016 10:47:14 GMT

Thanks for reposting that list. I guess there's really not much outside of credit unions.

Re: Lowest APR credit card out there?

Anonymous — Sat, 23 Jan 2016 11:46:56 GMT

You can back door into a low rate. Just sign up for whatever cards you like, then join the military!