Re: Discover's Lowest APR?

Anonymous · ‎07-27-2020

@Anonymous wrote:
9.99% here

Very nice. I called a couple of months ago or so to get mine lowered. I asked the CSR what is the lowest APR she had ever seen. She said ten something.

Anonymous · ‎08-03-2020

5.99% but i am military.

Dave4fun · ‎08-03-2020

Mine is 9.99% but I have had this card since 1989!

FICO 8 EQ: 841, TU: 842, EX: 842 Total Rev CL: $547,000 - CHASE/CITIBANK/DISCOVER/ USBANK/AMEX/COMENITY AMEX /BMO/NORDSTROM/MACYS/FNBO/ JCPENNY/TARGET/CHEVRON/1ST UNITED CU/PATELCO CU/SYNCHRONY/ VENMO VISA Sig/ DILLARDS AMEX/ PENFED PLAT REWARDS/PENFED PLOC/WELLS FARGO. AAoA 13 years

galahad15 · ‎08-03-2020

9.99% V currently

Before CARD Act and the Great Recession of 2007-2008, for a while they had me at 5.24% V, before applying a rate jack because of the economic conditions.

BEFCU Platinum Plus VISA @ 5.49% F with 1% rewards, $4k

AOD FCU VS @ 7.49% F with 3% rewards, $7.5k

PACU Premier Privileges Rewards MC @ 7.50% F with 1.5% rewards, $20k

Unify FCU Fixed-Rate VISA Platinum @ 8.99% F, $25k

BoA Customized Cash Rewards WMC @ 9.99% F with 3.3%/2.2% category rewards, $50k

Unify FCU Variable-Rate VISA Platinum @ 10.24% V, $15k

EPFCU Smart Rewards MC @ 10.75% V with 1% rewards, $6.5k

FNBO BucksBack VS @ 11.5% V with 1.5% rewards, $85k

Andrews FCU Titanium Rewards VS @ 12.99% V with 3%/1.5% rewards, $5k

Cap1 Venture MC @ 15.15% V with no AF, 2% rewards, $9k

BoA Travel Rewards VS @ 15.24% V, $17.6k

BoA Customized Cash Rewards WMC @ 17.24% V with 3%/2% category rewards, $14.3k

Redstone FCU VS @ 17.25% V with 5%/3%/1.5% rewards, $10k

AAA Daily Advantage VS @ 18.74% V with 5%/3% category rewards, $10k

PenFed Pathfinder Rewards VS @ 18.99% V with no AF, 4x/1.5x rewards points/dollar, $12.5k

BoA Customized Cash Rewards WMC @ 19.24% V with 3%/2% category rewards, $20.4k

Citi Custom Cash WEMC @ 19.24% V with 5% category rewards, $39.32k

Amazon Prime VS @ 19.49% V with 5% category rewards, $35k

PayPal CashBack MC @ 19.74% V with 3% on all PayPal purchases/2% on all other purchases, $25k

US Bank Cash+(x2) @ 20.24% V with 5% category rewards, $32k

Wells Fargo Autograph VISA @ 20.49% V with 3% category rewards, $12.5k

FNBO BucksBack VS @ 21.24% V with 2% rewards, $23.5k

Citi Custom Cash WEMC @ 22.24% V with 5% category rewards, $5k

Amex BCE @ 23.49% V with 3% category rewards, $3k

WF Bilt WEMC @ 24.49% V with 3% dining rewards, $30k

FlaDude · ‎08-03-2020

I can't say for sure with Discover, but the cardmember agreement for most or all of my cards shows the range of interest rates (lowest and highest) a card can have.

Scores: March 21 FICO 8: EX 810, TU 808, EQ 813
AoOA: closed: 36 years, open: 25 years; AAoA: 11.8 years
Amex Gold, Amex Green, Amex Blue, Amex ED, Amex Delta Gold, Amex Hilton Surpass, BoA Platinum Plus, Chase Freedom Unlimited, Chase Amazon, Chase CSP, Chase United Explorer, Citi AA Plat, Sync Lowes, Sync JC Penney - total CL 145k
Loans: Chase car loan (35k/6yrs 0.9%)

CreditCuriosity · ‎08-03-2020

@FlaDude wrote:
I can't say for sure with Discover, but the cardmember agreement for most or all of my cards shows the range of interest rates (lowest and highest) a card can have.

Cards can go lower than the published APR.. I have many cards below lowest listed due to numerous methods

joltdude · ‎08-03-2020

Currently Miss Disco standard rate for my account is 11.99... Iv seen single digit APRs for standard rate with Miss Disco.. If it wasnt such a crappy time, id be hitting her up next year to see if i can drop it lower.... Iv seen paper offers *PRE pandemic* for 10s.... which is still lower than their typical range of rates... (Family member got offered a discover with a 10.x rate AND the 18month 0% and the 0%bt offer)

But i have a 0% offer untill Dec =)

-J