Re: Lowest APR card out there?

Cali_Credit · ‎05-30-2015

I'm looking for a low APR Card without any Balance Transfer/Cash Advance fees. I have a DCU card at 8.5% but I'm wondering if there is any others out their that may be lower?

Anonymous · ‎05-30-2015

Barclay Ring, 8%, 0 balance transfer fee, flat $3 cash advance fee.

SecretAzure · ‎05-30-2015

@Cali_Credit wrote:
I'm looking for a low APR Card without any Balance Transfer/Cash Advance fees. I have a DCU card at 8.5% but I'm wondering if there is any others out their that may be lower?

Well Barclay's Ring and Simmons cards are lower than this...and there is lower yet but the lower you go the more difficult they tend to be.

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me

Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MC

Must garden until 2/1/2022 to hit my goal AAOA.

jamesdwi · ‎05-30-2015

@Cali_Credit wrote:
I'm looking for a low APR Card without any Balance Transfer/Cash Advance fees. I have a DCU card at 8.5% but I'm wondering if there is any others out their that may be lower?

Chase Slate has specials that offer zero transfer free and 0 percenrt interest for 15 months, you can't beat zero... At that point you can find another card and BT to it...

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k

Anonymous · ‎05-30-2015

galahad15 · ‎05-30-2015

@Cali_Credit wrote:
I'm looking for a low APR Card without any Balance Transfer/Cash Advance fees. I have a DCU card at 8.5% but I'm wondering if there is any others out their that may be lower?

Although it technically doesn't offer 0 BT fees, the FNBO Amex has a low rate of 6.25% APR for purchases and BT. Cash advance APR though is 25.24% with 5% BT fees, but these may potentially be outweighed by the overall extremely-low APRs for purchases and BTs themselves of 6.25% perhaps? The only other possible drawback is that the card is only appable in certain geo-limited states atm, sadly...

https://www.firstnational.com/common/shared/amex/amex_march_landing.html?ecid=150204OMACRD0073PTMMS1...

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

Unify FCU Variable-Rate VISA Platinum @ 9.24% V, $15k

BoA Customized Cash Rewards WMC @ 9.99% F with 3.75% category rewards (Preferred Rewards status), $50k

FNBO BucksBack VS @ 10.5% V with 1.5% rewards, $85k

EPFCU Smart Rewards MC @ 11% V with 1% rewards, $6.5k

Andrews FCU Titanium Rewards VS @ 12.49% V with 3%/1.5% rewards, $5k

BoA Unlimited Cash Rewards VS @ 13.49% V with 1.88% rewards (Preferred Rewards status), $17.6k

Cap1 Venture MC @ 14.15% V with no AF, 2% rewards, $13k

Unify FCU Fixed-Rate VISA Platinum @ 14.49% F, $25k

Redstone FCU VS @ 15.75% V with 5%/3%/1.5% rewards, $10k

BoA Customized Cash Rewards WMC @ 16.24% V with 3.75% category rewards (Preferred Rewards status), $14.3k

AAA Daily Advantage VS @ 17.24% V with 5%/3% category rewards, $10k

PenFed Pathfinder Rewards VS @ 17.49% V with no AF, 4x/1.5x rewards points/dollar, $12.5k

AOD FCU VS @ 17.99% V with 3% rewards, $7.5k

Amazon Prime VS @ 18% V with 5% category rewards, $35k

BoA Customized Cash Rewards WMC @ 18.24% V with 3.75% category rewards (Preferred Rewards status), $20.4k

US Bank Cash+(x2) @ 18.74% V with 5% category rewards, $32k

Wells Fargo Autograph VISA @ 19% V with 3% category rewards, $12.5k

PayPal CashBack MC @ 19.24% V with 3% on all PayPal purchases/1.5% on all other purchases, $25k

FNBO BucksBack VS @ 20.24% V with 2% rewards, $23.5k

Amex BCE @ 21.99% V with 3% category rewards, $3k

Citi Custom Cash WEMC @ 22.24% V with 5% category rewards, $39.32k

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

WF Bilt WEMC @ 22.99% V with 3% dining rewards, $30k

lukepwnsall · ‎05-30-2015

my Citi AA Card is now down to 4.99% APR prime plus 1.74. I think thats pretty low, and is a rewards card

TU 786 (10/23) EQ 794 (10/23) EX 773 (10/23)

SecretAzure · ‎05-30-2015

@lukepwnsall wrote:
my Citi AA Card is now down to 4.99% APR prime plus 1.74. I think thats pretty low, and is a rewards card

Website says 13.99% is the lowest available. How do you have such a low APR?

"Show your thanks with action! Hit the "Kudos" button (the stripe with the star) for every post you find helpful to show your appreciation to the community of great individuals who help you on these forums" -Me

Active Cards: Chevron Texaco, Amex BCE, Barclays Ring, Chase Freedom, Chase Freedom Unlimited, Best Buy Visa, Marvel MC

Must garden until 2/1/2022 to hit my goal AAOA.

lukepwnsall · ‎05-30-2015

@SecretAzure wrote:
@lukepwnsall wrote:
my Citi AA Card is now down to 4.99% APR prime plus 1.74. I think thats pretty low, and is a rewards card
Website says 13.99% is the lowest available. How do you have such a low APR?

with citi just ask. if a rep says no, ask for a supervisor they can lower it lower than the posted rates easily.

TU 786 (10/23) EQ 794 (10/23) EX 773 (10/23)

Lowest APR card out there?

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Lowest APR card out there?