Found out one of my Bank America card is at 12.24 APR.

[Anonymous]

Do you think that's a pretty good rate? I do! I pay off all my balance but it's something good to have just in case.  

[austinguy907]

That's the lowest BOA I've seen in the offers I've been getting in the mail besides the Beige card at 11.24%.  I would say you're doing pretty well as far as scores/credit management!

[Anonymous]

Nice!! 

[Anonymous]

That is an awesome rate!!!  Which card do you have and how long have you had it?

[Anonymous]

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@Anonymous wrote:

Do you think that's a pretty good rate? I do! I pay off all my balance but it's something good to have just in case.  

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That's 3 points lower than my BoA, and I thought I had a great deal

Other than 0% intro APR, this is about the lowest I have seen.  There are rumours of lower APRs, but I don't think any have actually been captured. 

[Closingracer99]

The lowest APR's I have is on my BBVA NBA with is 11% and my Citi AAdvantage which is 13%. I say you're doing fine