Lowest APR card??

[LexieCat]

My lowest, for years, has been my Wells Fargo Visa. Up until the Fed raised the Prime, it was at 6.25 percent for years. It's currently at 6.99   I do have a Simmons First card, with 7.5 percent but a CL of only 7,500. I keep it mainly for the rare times I need a small balance transfer (no fee but regular APR), or a cash advance (low APR for that). 

I have several WF accounts, which I think are needed to get the lowest APR. 

[Anonymous]

Wow! That is shockingly low for a major bank! I would think you must be an exception case!

[Anonymous]

FNBO has an Amex at prime (Prime for life) It has an $89.00 annual fee and a 5% BT fee. My last statement says it's at 3.75% Not sure what the qualifications are, an app just showed up in my mailbox one day and I bit.

[Gollum]

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@Berk wrote:

Too many variables to say one way or the other. Depends on credit file, issuing bank's requirements, etc., although Simmons First does seem to have the lowest APR cards in general.

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Simmons Bank is the new name: http://www.bizjournals.com/stlouis/blog/2015/01/simmons-tweaks-its-bank-brand-with-name-change.html

[Gollum]

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@LexieCat wrote:

My lowest, for years, has been my Wells Fargo Visa. Up until the Fed raised the Prime, it was at 6.25 percent for years. It's currently at 6.99   I do have a Simmons First card, with 7.5 percent but a CL of only 7,500. I keep it mainly for the rare times I need a small balance transfer (no fee but regular APR), or a cash advance (low APR for that). 

I have several WF accounts, which I think are needed to get the lowest APR. 

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Simmons Bank is the new name: http://www.bizjournals.com/stlouis/blog/2015/01/simmons-tweaks-its-bank-brand-with-name-change.html

[Berk]

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@Gollum wrote:

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@Berk wrote:

Too many variables to say one way or the other. Depends on credit file, issuing bank's requirements, etc., although Simmons First does seem to have the lowest APR cards in general.

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Simmons Bank is the new name: http://www.bizjournals.com/stlouis/blog/2015/01/simmons-tweaks-its-bank-brand-with-name-change.html

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Thanks for the info and correction. I haven't looked at them for years since I have zero interest in their interest. Other than low APR's the products offered by Simmons don't hold any interest for me.

[sarge12]

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@Anonymous wrote:

What is the lowest APR credit card one can get from bank or credit union? ......Not counting limited short term 0 intro offers?

anything lower than 8%?

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My Vital FCU is 6.99%, but offers 5.99% Christmas promotions every year....Your lowest rate cards will usually be from a credit union, but will usually lackSUB and big rewards. I am a big believer in credit unions for all financial dealings...they are owned by the members and not rich bankers....Credit Uniions Rock!!!

[Anonymous]

Generally speaking most discover cards will easily function as 4.99% for 18 months no fee. Cash deposit as well. Shocked it hasn't increased with prime! 

[Anonymous]

Yea I applied for my credit union around me and got a 7.9 interest rate. And citibank just lowered my interest rate from a 12.74 to a 6.74!!! Crazy thing is that simmons bank denied me but Im getting a better interest rate everywhere else anyway!

[Anonymous]

Is this unheard of at citibank to lower my interest rate by 6 points from 12.74 to 6.74? I didnt believe it at first because I always ask for them to lower it and only get like maybe 1 or 2% lowered in a 5 year period.