Re: Lowest APR card?

itgirl74 · ‎04-01-2015

BECU goes as low as 6.9% for those with excellent credit; with my scores I got 10.9%.

Starting Score: EQ: 478 | EX: 499 | TU: 534 Current Score:EQ: 759 | EX: 805 | TU: 830 Goal Score: 800

dabossman · ‎04-01-2015

Wells fargo student card, been at 11.5% since 2010

American Express Blue Cash: $15,000 Limit

Mouse over for Limits, Sorted Oldest to Newest

galahad15 · ‎04-12-2015

After researching, some currently available and ongoing low-APR (non-CU) cards that come to mind:

FNBO Amex at 6.25% V

Simmons Bank VISA at 7.25% V

IberiaBank card at 7.25% V

Barclay Ring MC at 8.00% V

First Command Bank VISA at 8.25% V

I personally have the FNBO Amex and the Barclay Ring MC, which I have found the easiest to apply and be approved for, at least on my end. Others listed, like the Simmons card and the IberiaBank card, are known for being notoriously-difficult or hard to be approved for. YMMV.

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

EPFCU Smart Rewards MC @ 10% V with 1% rewards, $6.5k

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

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, $16k

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

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

Redstone FCU VS @ 16.25% V with 5%/3%/1.5% rewards, $10k

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 MC @ 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

WF Attune WEMC @ 29.24% V with 4% category rewards, $2.5k

PayPal Credit MC @ 30.39% V with 0% for 6 mos. on all PayPal purchases $149+, $10k

Kb109 · ‎06-28-2015

The Iberia Bank 7.5% card is long gone. I was on their website today and it looks like the lowest they offer is 12.99% on a card with no rewards!! Why would anyone would want this card is beyond me. My Lake Michigan Credit Union card has a 6.25% APR and the application process isn't even a quarter of what it is for Simmons or Iberia.

Filed Ch7: 6/21/17
Discharged: 10/03/17
Current FICO8 Scores as of 2/10/2019: EX 651, TU 678, EQ 679
My Cards: 1FBUSA $2,900 (survived BK7 and is my oldest account!), Fingerhut $1,100, CreditOne $900, Ollo Rewards $2,500, LendUp Arrow card $2,000, CapitalOne Platinum $3,000. GARDENING FOR THE NEXT TWO YEARS!

Closingracer99 · ‎06-28-2015

@CreditCuriousity wrote:
Simmons Bank... Near impossible to get unless you have extremely good credit and aren't app crazy

Probably next up is the Ring...

tons of others, but those are the two first that come to my mind.. Alot of CU's have very low interest rate cards, to many to mention

The Ring card probably has the most available lowest APR % for most people assuming you are never late on payments, have no Bankruptcies and didn't burn Barclay's

My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740

pipeguy · ‎06-28-2015

I have DCU = 8.5% on their no-rewards Visa and 7.24% on an old Amex no rewards revolver with a small CL and I never use other than to keep it open for 1978 back dating.

Anonymous · ‎06-28-2015

Western Federal Credit Union has a 5.99% variable and 8.99% fixed that I have my eyes on. Waiting for Simmons and JCB to process the apps I submitted over a week ago first though...

galahad15 · ‎02-24-2016

@Anonymous wrote:
Western Federal Credit Union has a 5.99% variable and 8.99% fixed that I have my eyes on. Waiting for Simmons and JCB to process the apps I submitted over a week ago first though...

salt_water_swimming j/c, did you ever end up apping for the Western FCU fixed-rate VISA card that you mentioned above? I was approved by them for 11.5% F (originally approved at 12.5% F)?

ETA: Edited retroactively to correct revised APR info from cc lender

Mattopotamus · ‎02-24-2016

I have a Simmons. I know a lot of people said the application is crazy, but I literally did nothing. I just applied and got a decision a few days later. I did not have to submit proof of income, etc.

baller4life · ‎02-24-2016

@Mattopotamus wrote:
I have a Simmons. I know a lot of people said the application is crazy, but I literally did nothing. I just applied and got a decision a few days later. I did not have to submit proof of income, etc.

Are they generous with limits?

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