If anyone knows some good ones it would be @galahad15. He is always into low rate fixed APR cards.
For me, I prefer to keep lenders on the hook which often provide either 0% APR or low APR with no BT fee offers in the event I need to roll a payment. Either way, I'd probably be paying effectively 5% or less in most cases for a one-year repayment which would beat most low APR cards. I get regular offers from several of my lenders including Capital One, Discover, Bank of America, and Barclays. Even Chase gives me some good offers. (Using the "My Chase Loan" feature on my Chase Sapphire Reserve, I qualify for up to $25,000 with APR of 7.99 to 11.99% based on loan amount and duration. (12 billing cycles shows the lower APR when I checked further.) I previously kept a "Low APR" contingency card "just in case" but decided I would rarely if ever use it and had other credit options to deal with financing.
