Lowest to highest APR and cards

[CreditCuriosity]

@Repairman Just NFCU had reductions and Citi DC others had usually best APRs for most part with a few exceptions then Fed rate cuts etc..

[Credit4Growth]

I have tried to obtain low apr cc for many of the reasons previously stated.  I expect  it will be a few more years before I have a handful of cards below 9.9% or even in the 8% range... if ever

Credit Card	APR	Limit
NFCU Platinum	6.99%	$23,100
NFCU Flagship	9.99%	$30,000
PSECU Classic Visa	9.90%	$10,000
PSECU Founder's	12.40%	$20,000
Discover It	14.24%	$20,900
CHASE Freedom	23.74%	$9,600
AVERAGES                  APR/ACL	12.82%	$18.930
NFCU CLOC	15.9%	$13,000
AVERAGES w/ CLOC   APR/ACL	13.26%	$18,085

Navy Platinum -  has been lowered from about 11.99% 

Discover -  has a 0% promo for purchases for quite sometime, I forgot that I could attempt to lower the apr. (I finally did it 2 weeks ago)  14.74% down to 14.24%

Chase Freedom  -  I think the card's apr started at approximately 24.7#% or 25.7#%  

PSECU  -  the Classic account remains unchanged and the apr on the Founders' fluctuates only based on current Prime Rate changes.

[mgood]

CREDIT CARD    APR      LIMIT

Discover it   0 (22.99) 2000

PenFed Gold   17.99     1600 6500

PenFed Plat   17.99     5000

PenFed PCR    17.99     5000

Kay Jewelers  21.00     7200

Cabela's      21.13      600  700

Quicksilver   24.90     4850 5350

Eddie Bauer   26.99     1120 1600

[Bockrocker]

I have the USAA Rate Advantage @6.9%. It's my oldest card at more than ten years.  Don't really use it anymore due to no rewards, except occasionally as a loan dispenser.  Low interest and no cash advance fee (when dispensing to USAA checking) so it's kinda like an instant personal loan with no need for approval or credit pulls.

[UpperNwGuy]

I no longer remember what APRs I have on my cards because I haven't paid credit card interest in six years, so I never look at that part of the statements.  I think my five PenFed and NFCU cards are all still under 10%, and my three Chase cards are in the 15-16% range.  My UNFCU card falls somewhere in between.

If an emergency were to arise, and I needed to put some large purchases on a credit card, I would use one of my sock-drawered PenFed or NFCU cards.

[Repairman]

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@Bockrocker wrote:

I have the USAA Rate Advantage @6.9%. It's my oldest card at more than ten years.  Don't really use it anymore due to no rewards, except occasionally as a loan dispenser.  Low interest and no cash advance fee (when dispensing to USAA checking) so it's kinda like an instant personal loan with no need for approval or credit pulls.

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That's fantastic. I didn't even know no cash advance fee cards existed.

[KatSoDak]

My lowest APR is Simmons Bank at 8.75%. They also offered promo balance transfer checks @ 3.90% which I took advantage of. 

Next is Navy at 8.99%. In March (anniversary) I'll ask for lower APR.

Discover was lowered to 12.99% in 2020. 

Citi, HSBC, FNBO and BofA Plat are 18ish. 

BofA Cash and WF Cash are low 20s.

Synch cards are 26.99

Not sure what WF Propel is. 

[Aim_High]

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@Repairman wrote:

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@Bockrocker wrote:

I have the USAA Rate Advantage @6.9%. It's my oldest card at more than ten years.  Don't really use it anymore due to no rewards, except occasionally as a loan dispenser.  Low interest and no cash advance fee (when dispensing to USAA checking) so it's kinda like an instant personal loan with no need for approval or credit pulls.

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That's fantastic. I didn't even know no cash advance fee cards existed.

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It's kind of a loophole, @Repairman.  USAA says "Cash Advance Fee is 3% of the amount of each cash advance.  *But Fee is waived when transferring funds electronically to a USAA deposit account.

One of the best Cash Advance deals out there is with the AOD FCU Visa Signature.  Yes, it's the same card that pays 3% uncapped and uncategorized cash back on all purchases, which is the main buzz about it on My Fico.  But it also has an ultra-low Cash Advance Fee of 1% with a minimum of $5 and a maximum of $25.   But the best part is that Cash Advances aren't at some sky-high APR way above your purchase APR like most cards.  AOD's Cash Advance APR is the same rate you pay for purchases, which can be as low as 7.49%. 

Also, Navy Federal's is pretty good too.  They charge 2% interest above your purchase APR.   And no Cash Advance Fee at Navy FCU branches or ATM's; otherwise 50cents (domestic) or $1 (international.) 

PenFed CU is not bad either.  They don't charge a Cash Advance Fee at all, but their APR is higher than purchases.  Still, it's not nearly as high at the big banks and it's currently at 17.99%.

[Repairman]

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@Aim_High wrote:

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@Repairman wrote:

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@Bockrocker wrote:

I have the USAA Rate Advantage @6.9%. It's my oldest card at more than ten years.  Don't really use it anymore due to no rewards, except occasionally as a loan dispenser.  Low interest and no cash advance fee (when dispensing to USAA checking) so it's kinda like an instant personal loan with no need for approval or credit pulls.

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That's fantastic. I didn't even know no cash advance fee cards existed.

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It's kind of a loophole, @Repairman.  USAA says "Cash Advance Fee is 3% of the amount of each cash advance.  *But Fee is waived when transferring funds electronically to a USAA deposit account.

One of the best Cash Advance deals out there is with the AOD FCU Visa Signature.  Yes, it's the same card that pays 3% uncapped and uncategorized cash back on all purchases, which is the main buzz about it on My Fico.  But it also has an ultra-low Cash Advance Fee of 1% with a minimum of $5 and a maximum of $25.   But the best part is that Cash Advances aren't at some sky-high APR way above your purchase APR like most cards.  AOD's Cash Advance APR is the same rate you pay for purchases, which can be as low as 7.49%. 

Also, Navy Federal's is pretty good too.  They charge 2% interest above your purchase APR.   And no Cash Advance Fee at Navy FCU branches or ATM's; otherwise 50cents (domestic) or $1 (international.) 

PenFed CU is not bad either.  They don't charge a Cash Advance Fee at all, but their APR is higher than purchases.  Still, it's not nearly as high at the big banks and it's currently at 17.99%.

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Very good info! Thanks!

[SweetCreditObsession]

@CreditCuriosity , this is a great idea💡. Thank you for sharing 😏