Lowest APR Credit Card Available

[DoctorLoomis]

What is or are the lowest interest rate credit cards available to the general public? I'm assuming Simmons Bank is one. Thank you for your help.

[CYBERSAM]

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@DoctorLoomis wrote:

What is or are the lowest interest rate credit cards available to the general public? I'm assuming Simmons Bank is one. Thank you for your help.

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Credit Unions normally have the lowest APR! Usually Visa Platinum versions, no rewards or much benefits!

[M_Smart007]

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@DoctorLoomis wrote:

What is or are the lowest interest rate credit cards available to the general public? I'm assuming Simmons Bank is one. Thank you for your help.

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@DoctorLoomis,

I had a Simmons card many many years ago 1980's (10% APR - when rates were really high) ..

( I believe it was the same Simmon's bank talked about here)

Seems they are a tough nut to crack, as you rarely see an approval.

Credit Unions are going to be your best bet for low APR's

One Example: https://www.sanfranciscofcu.com/credit-cards/

A Few that I belong to and some info on others [here]

Post #2 in that thread, has info on some other credit unions.

ETA: Feel free to reply to that thread, with any questions or info on credit unions / best bet for low APR's.

[Anonymalous]

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@DoctorLoomis wrote:

What is or are the lowest interest rate credit cards available to the general public? I'm assuming Simmons Bank is one. Thank you for your help.

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Unless I'm missing something, the lowest APR for a Simmons Bank card is 13.25%. That seems a little high. If you're willing to put in a little work to join, there's always Dow Credit Union. They have a 6.9% card, and it's fixed rate so it doesn't adjust with the prime rate.

[coldfusion]

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@M_Smart007 wrote:

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@DoctorLoomis wrote:

What is or are the lowest interest rate credit cards available to the general public? I'm assuming Simmons Bank is one. Thank you for your help.

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@DoctorLoomis,

I had a Simmons card many many years ago 1980's (10% APR - when rates were really high) ..

( I believe it was the same Simmon's bank talked about here)

Seems they are a tough nut to crack, as you rarely see an approval.

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The days when that card was viewed in some circles as being a status symbol are long gone and there are too many other cards out there nowadays with more perks and higher cashback that are easier for the hoi polloi to get approved for,  it just isn't a compelling card to have any more. 

There have been a couple of approvals announced in Applications over the last several years and every once in a while someone will make a tangental comment in a thread ere about having one.

[Anonymous]

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@coldfusion wrote:

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@M_Smart007 wrote:

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@DoctorLoomis wrote:

What is or are the lowest interest rate credit cards available to the general public? I'm assuming Simmons Bank is one. Thank you for your help.

---

@DoctorLoomis,

I had a Simmons card many many years ago 1980's (10% APR - when rates were really high) ..

( I believe it was the same Simmon's bank talked about here)

Seems they are a tough nut to crack, as you rarely see an approval.

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The days when that card was viewed in some circles as being a status symbol are long gone and there are too many other cards out there nowadays with more perks and higher cashback that are easier for the hoi polloi to get approved for,  it just isn't a compelling card to have any more. 

There have been a couple of approvals announced in Applications over the last several years and every once in a while someone will make a tangental comment in a thread ere about having one.

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@coldfusion wrote:

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@M_Smart007 wrote:

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@DoctorLoomis wrote:

What is or are the lowest interest rate credit cards available to the general public? I'm assuming Simmons Bank is one. Thank you for your help.

---

@DoctorLoomis,

I had a Simmons card many many years ago 1980's (10% APR - when rates were really high) ..

( I believe it was the same Simmon's bank talked about here)

Seems they are a tough nut to crack, as you rarely see an approval.

---

The days when that card was viewed in some circles as being a status symbol are long gone and there are too many other cards out there nowadays with more perks and higher cashback that are easier for the hoi polloi to get approved for,  it just isn't a compelling card to have any more. There have been a couple of approvals announced in Applications over the last several years and every once in a while someone will make a tangental comment in a thread ere about having one.

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And of course lower APR.   Lots of issuers much lower than Simmons.

[Anonymous]

As everyone has said, Simmons First is dead on arrival!!! Waste of time and effort!

[galahad15]

The lowest (fixed-rate APR) card that I am personally aware of is the BEFCU VISA, at as low as 4.99% F.  Granted, there may be some variable-rate cards available that have lower rates, but the Fed is raising rates and so the BEFCU card is always a good bet, since it doesn't vary with the Prime Rate fluctuations of increasing interest rates, etc.

Unfortunately, BEFCU cards are currently geo-restricted to California, as far as I am best aware.

[M_Smart007]

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@galahad15 wrote:

The lowest (fixed-rate APR) card that I am personally aware of is the BEFCU VISA, at as low as 4.99% F.  Granted, there may be some variable-rate cards available that have lower rates, but the Fed is raising rates and so the BEFCU card is always a good bet, since it doesn't vary with the Prime Rate fluctuations of increasing interest rates, etc.

Unfortunately, BEFCU cards are currently geo-restricted to California, as far as I am best aware.

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Also, they really don't ask a lot ..

                                            In order to apply, please provide proof of income:

 by fax: 951-602-6562

by email: befcu@bournsfcu.org

or in person. including

- 2 most recent pay stubs

- Previous year's w2

Self-Employed

- 2 years of tax returns- All pages

Retired

-Award letters from pension and/or social security

[pizzadude]

NFCU's lowest rate would be on their platinum card, currently the best rate they offer is 8.24%, which is higher than previously, but still better than most cards and of course the rate would be dependant on approval and their underwriting criteria.