topic Re: Card with lowest APR? in Credit Cards

Card with lowest APR?

mirachi — Sun, 13 Jan 2013 03:10:17 GMT

Other than cards that offer that introductory 0% APR, what's the card with the lowest APR?

Did a bit of searching and found the Barclay Ring @ 8% (also found cards issued by Zions bank to be 7-7/25% but I don't live in either Idaho or Utah) but are there any cards that have even lower APRs?

Re: Card with lowest APR?

Open123 — Sun, 13 Jan 2013 03:15:59 GMT

Simmons First has 7.25%, but no rewards.

Re: Card with lowest APR?

mirachi — Sun, 13 Jan 2013 03:18:45 GMT

oops proly should have mentioned - not really worried about the rewards part...I just wanted a cc as a jic I ever need to do a balance transfer (all of my current ones I believe are 13%+ APRs)

Re: Card with lowest APR?

Open123 — Sun, 13 Jan 2013 03:21:49 GMT

Iberia bank is usually pretty low too, but 7.25% is the lowest I've seen recently. I recalled seeing 5.99% in the past?

Re: Card with lowest APR?

chnceit — Sun, 13 Jan 2013 03:26:04 GMT

@Open123 wrote:
Iberia bank is usually pretty low too, but 7.25% is the lowest I've seen recently. I recalled seeing 5.99% in the past?

I want that! My lowest 8% from my CU because it has no rewards

Re: Card with lowest APR?

Anonymous — Sun, 13 Jan 2013 16:32:54 GMT

I've got a Citi Pro with a 7.24% APR.

Before the feds "helped" people, my lowest was a Discover with a 3.99%.

Re: Card with lowest APR?

jsucool76 — Sun, 13 Jan 2013 16:38:11 GMT

Barclay ring card is 8% for purchases, cash advances, and BTs

Re: Card with lowest APR?

Anonymous — Sun, 13 Jan 2013 16:46:16 GMT

At one time Citi had a preferred APR that people with perfect credit were offered. DGF has them at 6.24%, forever.

Re: Card with lowest APR?

mirachi — Sun, 13 Jan 2013 16:48:21 GMT

Just did a bit more research into the Simmons First & Iberia Bank and found their APR to be Prime + 4% (which is fine now since the prime rate is so low but is there a way to get a fixed rate so I won't be screwed later?)

Re: Card with lowest APR?

jsucool76 — Sun, 13 Jan 2013 17:49:04 GMT

Some banks offer fixed rate cards. I think FNBO sometimes sends out mail offers with them.

Re: Card with lowest APR?

Ron1 — Sun, 13 Jan 2013 18:22:02 GMT

I have First Command Bank Platinum Visa with 6.25% APR. I think it is lowest APR I've seen.

Ron.