CC with APRs below 10%

[Anonymous]

I wanted to start a thread where I can get some feedback from members on credit cards with APRs below 10%. I have three times my income in revolving credit lines. I am closing out a handful of cards with insane APRs regardless of how high the limit is.

From this day forward I want low APR cards only. I have the FICO scores to get the lowest offered. Please post any you may know of that are below 10% for us folks who qualify for the lowest APRs.

NFCU Platinum.  I already have a Cash Rewards at $22K with a 10.15% APR so I don't need another Navy card :

https://www.navyfederal.org/loans-cards/credit-cards/platinum/

[pinkandgrey]

I certainly don’t have any cards with rates that low, but I don’t pay interest anyway. If you want loooow APR, you’ll probably have to look to credit unions. Maybe Penfed?

[Anonymous]

RBFCU offers a Premier Rate Mastercard at 9.950%

They also have the Unlimited 2% Cash Back Mastercard

[Anonymous]

Lake Michigan Credit Union. Prime Platinum Visa. 8.50%:
https://www.lmcu.org/personal/banking/credit-cards/prime-platinum-visa/

Fort Knox Credit Union. Visa Classic. 8.99%:
https://www.fortknoxfcu.org/visa.html

PenFed. Gold Visa. 9.24%:
https://www.penfed.org/credit-cards/visa-gold-card

Langley Federal Credit Union.  Select Visa Platinum.  9.25%:

https://www.langleyfcu.org/personal-credit-cards?platinum

[CreditInspired]

---

@Anonymous wrote:

Lake Michigan Credit Union. Prime Platinum Visa. 8.50%:
https://www.lmcu.org/personal/banking/credit-cards/prime-platinum-visa/

Fort Knox Credit Union. Visa Classic. 8.99%:
https://www.fortknoxfcu.org/visa.html

PenFed. Gold Visa. 9.24%:
https://www.penfed.org/credit-cards/visa-gold-card

Langley Federal Credit Union.  Select Visa Platinum.  9.25%:

https://www.langleyfcu.org/personal-credit-cards?platinum

---

Wow @creditcontractor, I was going to tell OP, “good luck” because I didn’t think there were any <10% APR. 

Thanks for this info. 

[AverageJoesCredit]

What Blasphemy saying you dont NEED another Navy card

[AverageJoesCredit]

---

@pinkandgrey wrote:

I certainly don’t have any cards with rates that low, but I don’t pay interest anyway. If you want loooow APR, you’ll probably have to look to credit unions. Maybe Penfed?

---

recomending Penfed, how dare you😆

[AverageJoesCredit]

Actually you could get the Navy CR with a low 11% apr, not too shabby for a rewards card.

I have the Langley card, actually started at 8.25% Langleys great

[NRB525]

The BECU non-rewards card is as low as 9.15% now. Even if you don’t get that initially, they review accounts in the August-Sept timeframe to lower APR if your credit improves. But of course, no rewards of any kind with this card.

[FinStar]

IIRC, @galahad15 has a decent collection of low APR CCs, plus there was an older thread from @Themanwhocan that featured a variety of similar low APR CCs.