topic Re: Who has the LOWEST (Non-Intro) credit card APR? Image or it didn't happen. in Credit Cards

Who has the LOWEST (Non-Intro) credit card APR? Image or it didn't happen.

Gatito — Wed, 17 Aug 2016 18:50:12 GMT

Here is the part of my statement that shows me my interest rates for the card. I've had this card for about one year and this has been the interest rate the entire time. Mainly looking at purchases. Anyone have one lower?

Re: Who has the LOWEST (Non-Intro) credit card APR? Image or it didn't happen.

creditguy — Wed, 17 Aug 2016 18:56:22 GMT

And the Bank in your image is??

Re: Who has the LOWEST (Non-Intro) credit card APR? Image or it didn't happen.

Anonymous — Wed, 17 Aug 2016 19:13:42 GMT

My Pioneer WV FCU Visa is at 5.20% (Prime + 1.70%) - doesn't list my rate in online banking though, system is archaic

Re: Who has the LOWEST (Non-Intro) credit card APR? Image or it didn't happen.

baller4life — Wed, 17 Aug 2016 19:52:00 GMT

Western CU goes as low as 4.99%

Re: Who has the LOWEST (Non-Intro) credit card APR? Image or it didn't happen.

Gatito — Wed, 17 Aug 2016 19:58:13 GMT

The bank in my image is BBVA Compass.

Re: Who has the LOWEST (Non-Intro) credit card APR? Image or it didn't happen.

galahad15 — Wed, 17 Aug 2016 20:07:11 GMT

@baller4life wrote:
Western CU goes as low as 4.99%

I thought that Western/Unify's rate went up slightly after prime rate increased some months ago, to 5.24% V? At least the last time I think I checked their website?

Re: Who has the LOWEST (Non-Intro) credit card APR? Image or it didn't happen.

galahad15 — Wed, 17 Aug 2016 20:08:43 GMT

The forum poster named mister-endowed also has a Citi DC with a rate of 5.24% V, if i am hopefully recalling correctly? I always thought that his rate was very, very impressive, especially for a 2% cashback rewards card...

Re: Who has the LOWEST (Non-Intro) credit card APR? Image or it didn't happen.

Anonymous — Wed, 17 Aug 2016 20:25:34 GMT

Isn't there a Prime card (FNBO or something) that has an AF < $100

Re: Who has the LOWEST (Non-Intro) credit card APR? Image or it didn't happen.

baller4life — Wed, 17 Aug 2016 20:33:33 GMT

@galahad15 wrote:
@baller4life wrote:
Western CU goes as low as 4.99%
I thought that Western/Unify's rate went up slightly after prime rate increased some months ago, to 5.24% V? At least the last time I think I checked their website?

According to their reps, the website has not been updated to reflect the new starting apr of 4.99%. And that bad boy is on my wishlist for 2017. Me like! 😜

Re: Who has the LOWEST (Non-Intro) credit card APR? Image or it didn't happen.

Anonymous — Wed, 17 Aug 2016 20:35:44 GMT

I have a WF Prime for Life..

Currently at 3.5% - Annual fee of $75.00 though

Re: Who has the LOWEST (Non-Intro) credit card APR? Image or it didn't happen.

NRB525 — Wed, 17 Aug 2016 20:35:48 GMT

My Discover card has a no-fee BT for 12-months that is 4.99%, so really all my cards could be BT to that one if necessary.

Re: Who has the LOWEST (Non-Intro) credit card APR? Image or it didn't happen.

galahad15 — Wed, 17 Aug 2016 21:28:38 GMT

@baller4life wrote:
@galahad15 wrote:
@baller4life wrote:
Western CU goes as low as 4.99%
I thought that Western/Unify's rate went up slightly after prime rate increased some months ago, to 5.24% V? At least the last time I think I checked their website?
According to their reps, the website has not been updated to reflect the new starting apr of 4.99%. And that bad boy is on my wishlist for 2017. Me like! 😜

Thanks for the helpful update baller! Also as a quick tip/FYI, IIRC when I spoke most recently to a Western/Unify Bank CSR IIRC, they mentioned that for credit score qualifications for their credit cards, they use FICO 2 Score, not FICO 8, in case that is hopefully of any help to anyone interested in their card products.

Re: Who has the LOWEST (Non-Intro) credit card APR? Image or it didn't happen.

CreditMagic7 — Wed, 17 Aug 2016 21:59:39 GMT

@galahad15 wrote:
The forum poster named mister-endowed also has a Citi DC with a rate of 5.24% V, if i am hopefully recalling correctly? I always thought that his rate was very, very impressive, especially for a 2% cashback rewards card...

You are right and i remember engaging in that thread because that was of all things a Citi Card and it IS very impressive!

Re: Who has the LOWEST (Non-Intro) credit card APR? Image or it didn't happen.

morgacj2004 — Wed, 17 Aug 2016 22:05:40 GMT

Simmons bank is very low like 6.79% or close to that. Hard card to get though

Re: Who has the LOWEST (Non-Intro) credit card APR? Image or it didn't happen.

baller4life — Wed, 17 Aug 2016 22:23:29 GMT

@galahad15 wrote:
@baller4life wrote:
@galahad15 wrote:
@baller4life wrote:
Western CU goes as low as 4.99%
I thought that Western/Unify's rate went up slightly after prime rate increased some months ago, to 5.24% V? At least the last time I think I checked their website?
According to their reps, the website has not been updated to reflect the new starting apr of 4.99%. And that bad boy is on my wishlist for 2017. Me like! 😜
Thanks for the helpful update baller! Also as a quick tip/FYI, IIRC when I spoke most recently to a Western/Unify Bank CSR IIRC, they mentioned that for credit score qualifications for their credit cards, they use FICO 2 Score, not FICO 8, in case that is hopefully of any help to anyone interested in their card products.

I didn't know that. Thanks a bunch. Looks like I will be keeping NASA around longer than planned (monthly EX Fico 2). Haha

Re: Who has the LOWEST (Non-Intro) credit card APR? Image or it didn't happen.

Themanwhocan — Wed, 17 Aug 2016 22:34:48 GMT

@Anonymous wrote:
Isn't there a Prime card (FNBO or something) that has an AF < $100

You're thinking of the FNBO Prime For Life card, but it has an $89 annual fee.

Houston FCU Prime Lock only has a $50 annual fee.

And no, do not apply for these cards...

Re: Who has the LOWEST (Non-Intro) credit card APR? Image or it didn't happen.

Anonymous — Wed, 17 Aug 2016 22:41:42 GMT

@Themanwhocan wrote:
@Anonymous wrote:
Isn't there a Prime card (FNBO or something) that has an AF < $100
You're thinking of the FNBO Prime For Life card, but it has an $89 annual fee.

Houston FCU Prime Lock only has a $50 annual fee.

And no, do not apply for these cards...

Yes, < $100. I thought some of the low APR chasers would have them, or maybe the AF puts them off (as it should!)

Re: Who has the LOWEST (Non-Intro) credit card APR? Image or it didn't happen.

Scupra — Wed, 17 Aug 2016 22:42:57 GMT

@NRB525 wrote:
My Discover card has a no-fee BT for 12-months that is 4.99%, so really all my cards could be BT to that one if necessary.

Key word is "non-intro"