@Anonymous wrote:I just got by far my lowest APR card in the mail yesterday - the FNBO Prime Visa. No rewards, just a stupid low APR equal to the prime rate. With that APR and a very useful $9400 CL, this can easily be the home improvement and tuition card.
Congrats @Anonymous , that is definitely an excellent / unbeatable low-rate APR for sure! Very happy for you... 
@Anonymous wrote:Thanks @galahad15 - figuring in the AF makes the effective APR higher than that but it's a pretty trivial fee compared to what I'd save versus a typical 20+% APR on a larger balance revolved awhile. I'm looking to renovate my kitchen soon so this card may get a workout on supplies.
And therein lies the rub. ^^ If you're going to use the card for the low limit, it's a fantastic deal unless you're willing and able to get 0% and low fee BT offers. It's competitive with a 3.5-4% BT fee card offer at 0% APR, but it would be uncapped on the timeframe to pay it back, so you can milk it for a few years if you need to.
I would love to have this card for contingencies, but if you're not planning to really use it, there's no point in paying an AF. I like having low-APR cards just for an emergency. So I choose to get as low as I can with no AF, such as the 5.99% APR on the Navy Federal Platinum card.
Good for you, @Anonymous! I'm sure DW is very pleased and looking forward to an improved kitchen! Are you going to use your Lowe's and Home Depot cards also?
