I agree with Nixon, would rather take the 6.25% FNBO card with no annual fee. Now, if it were potentially an AF-free card OTOH though, that might be a different story, lol 
With very few exceptions, I generally almost never apply for cards that carry annual fees. Btw, doesn't the annual fee alone automatically bump the actual APY that would be incurred annually above the base 3.25% APR?
If you carry a balance over a few thousand for a year it's cheaper than the no AF ver.
Isn't prime 3.25% how is this even possible?
We have finally found a true prime lender guys..
We have finally found a true prime lender guys..
would be a good emergency card but I'm not in the game of paying for a card I maybe might need at some point.
It's like a credit card insurance policy 
True, may have a low CL to boot making it effectively worthless. Anything under 10k probably not much worth it as you would kill your scores with any real balance.
But with the annual free, will the card still be as competitive as the current 3.25% V rate it's at right now, when the prime rate eventually goes up when the Fed raises rates though, as they surely will at some future point? Just curious... (Don't get me wrong, I definitely *love* the advertised 3.25% rate; the AF just makes me a lil cautious if I were ever hypothetically invited to apply for a product like this.)
ETA: FWIW and just for some historical perspective of sorts on the prime rate, wasn't the prime rate set at as high as ~12%, sometime in the 1980's?