CC with APRs below 10%

[galahad15]

Open to new apps and with no geo restrictions iirc:

(1)  Unify FCU Variable-Rate VISA:  as low as 7.24% V (need at least 740-750 FICO EX Auto Score for lowest rate)

(2)  PACU MC:  (sorry corrected accidental earlier typo, this card is MC, not  VISA)  currently as low as 8.45% F (need at least 730 FICO8 EX for lowest rate)

(3)  Unify FCU Fixed-Rate VISA:  as low as 8.99% F (need at least 740-750 FICO EX Auto Score, plus a min. SL of $15k for lowest rate)

[CreditInspired]

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@galahad15 wrote:

(1)  Unify FCU Variable-Rate VISA:  as low as 7.24% V (need at least 740-750 FICO EX Auto Score for lowest rate)

(2)  PACU VISA:  as low as 8.45% F (need at least 730 FICO8 EX for lowest rate)

(3)  Unify FCU Fixed-Rate VISA:  as low as 8.99% F (need at least 740-750 FICO EX Auto Score, plus a min. SL of $15k for lowest rate)

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Good Golly, Miss Molly! Now we’re talking. These are some really awesome interest rates. 

Thanks

[galahad15]

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@CreditInspired wrote:

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@galahad15 wrote:

(1)  Unify FCU Variable-Rate VISA:  as low as 7.24% V (need at least 740-750 FICO EX Auto Score for lowest rate)

(2)  PACU VISA:  as low as 8.45% F (need at least 730 FICO8 EX for lowest rate)

(3)  Unify FCU Fixed-Rate VISA:  as low as 8.99% F (need at least 740-750 FICO EX Auto Score, plus a min. SL of $15k for lowest rate)

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Good Golly, Miss Molly! Now we’re talking. These are some really awesome interest rates. 

Thanks

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Sure thing, anytime, always glad to be able to help!    Tbh actually the credit goes to themanwhocan, since he came up with the original charts for pretty much all of the cards listed in my post (iirc, at the time he created the low-APR charts, "Unify FCU" was then-known as "Western FCU").

Also:  other good things about both of the 2 listed Unify cards is that they have no cash advance or BT fees, and no FTF.  The PACU card has no BT fees and the last time I checked their T&Cs, a 3% or $3 cash advance fee (whichever is greater), also has a 3% FTF I believe.

ETA:  btw, forgot to mention that the go-to APRs for cash advances and BTs for the Unify and PACU CUs are same as their respective rates for purchases.

[romy134]

Unify CU is one of the best, was able to get 5.99% when I applied for a Car loan so I didntt have to douyble pull. 

[Anonymous]

Great thread. I bookmarked for future use.

Are you only interested in ongoing low APR or temporary 0% offers also?

[DaveInAZ]

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@Anonymous wrote:

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/

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Well, I certainly don't want to derail your nice thread, but unless you carry a balance who cares what the APR% is? Frankly even 10% APR is more interest than I'm willing to pay. My lowest CC APR is a 12.5% APR Visa from Vantage West, a southern Arizona CU, and it is by far my least used card because of its ridiculous reward points, 1 pt. for every $5 spent. My most used card? PayPal Cashback MC, because it pays 2% cashback rewards on every single purchase. But then it has an outrageous 18.24% APR!!! But since it has never seen a penny in interest I couldn't care less, they could make it 25.24% APR and it would still be my most used card.

Now, car and real estate loans I do care alot about the APR because on those you do have to carry a balance. But for me credit cards are for cashback rewards and the month & a half free money grace period by paying in full monthly, not carrying a balance.

[kdm31091]

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@DaveInAZ wrote:

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@Anonymous wrote:

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/

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Well, I certainly don't want to derail your nice thread, but unless you carry a balance who cares what the APR% is? Frankly even 10% APR is more interest than I'm willing to pay. My lowest CC APR is a 12.5% APR Visa from Vantage West, a southern Arizona CU, and it is by far my least used card because of its ridiculous reward points, 1 pt. for every $5 spent. My most used card? PayPal Cashback MC, because it pays 2% cashback rewards on every single purchase. But then it has an outrageous 18.24% APR!!! But since it has never seen a penny in interest I couldn't care less, they could make it 25.24% APR and it would still be my most used card.

Now, car and real estate loans I do care alot about the APR because on those you do have to carry a balance. But for me credit cards are for cashback rewards and the month & a half free money grace period by paying in full monthly, not carrying a balance.

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I would more or less agree. I mean, I seek out APR reductions on my cards because there's no downside, but ultimately I still don't want to carry a balance on even the "low" APRs I have. I can see wanting a low APR (below 10%, whatever one considers tolerable) for emergencies, but I would still pay it off ASAP.

For cards I have or have had with high APRs but rewards I want, I try to just ignore the APR. It can feel insulting to have a good profile and be given a 25% APR on a product, but ultimately you just should make it so it doesn't matter. Don't pay interest on it. If you're routinely paying interest, CC perks aren't worth it anyway.

[Anonymous]

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@Anonymous wrote:

Great thread. I bookmarked for future use.

Are you only interested in ongoing low APR or temporary 0% offers also?

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I am not really interested in temporary 0% offers.  You know, it's a shame we keep getting told how great our economy is while APRs are creeping up to the 30% level.  Back when we were being told of a potential other great recession, CU's had rates below 8%.  Seems like things are getting much worse, not better.  Should have loaded up on cards back then.

I have AmEx, CapOne, Chase, Citi, Discover, NFCU, Sam's Club, Sportsman's Guide and Total Rewards.  Three of those are $20k and more.  None are less than $10k.  AmEX = 18%,  Sam's MC = 23.15%, Sportsman's Guide = 24.99%, and Total Rewards = 22.99%.  I'd trade those 4 for 4 with 8-10% APRs any day.  I have rarely ever paid any interest on any credit card so I don't need a lecture about how APRs don't matter if you PIF.  It's about mastering the game of credit.  High limits and super low APRs.

Nobody knows when a catastrophy will happen and you find yourself in a bind.  Medical bills might eat your life savings and medicine might max out your cards.  Then you'd never catch up after the interest charges took over.

The problem with having so much credit is you don't get preapproval CC offers when you join new CUs.  My ideal situtation would be 4 CCs with $20k or more limits with APRs right at or below 10%.

[SecretAzure]

It makes me sad reading this thread with no mention of Barclays Ring. It used to be so low. Oh well, at least it's still relatively low with no FTF. 

[Anonymous]

I am happy with my NFCU Platinum card at 8.24%. 

I refuse to pay interest but if I ever have to, the NFCU card will get the spend. 

I will probably add Unify at some point but with my EX auto scores around 680 right now, definitely not the time. 

We have a local CU with a fixed 9.99% card but their technology is so outdated that I won’t bother with them. The website is like something made for NCSA Mosaic...

By the way, interest rates are high because of the CARD Act, not the economy. Lenders would rather come out with high APRs up front than have to go through the process the CARD Act requires to raise it later. 

Also when the economy tanks, I wouldn’t be relying on credit cards to be there for you in an emergency. The first thing that will happen is limits on cards will be slashed. CUs will be somewhat resistant to this, especially large ones like NFCU, but a credit card is definitely not something I would want to rely on during an economic downturn.