Sorry -- coming into the convo a lil late here, mostly bc of not having an opportunity to participate on the forum much recently, bc of ultra-long work hours at the office these days 
All of my APRs are in my signature line, but the cards that I am personally the most pleased with are the ones below, listed in order from the current lowest APR to current highest, all with no AF:
(1) Unify FCU Variable-Rate VISA: 4.99% V
(2) BEFCU VISA: 5.49% F
(3) FNBO Amex: 6.25% V
(4) Andrews FCU VISA: 6.99% V *
(5) AOD FCU VISA: 7.49% F
(6) PACU MC: 7.50% F
(7) Unify FCU Fixed-Rate VISA: 8.99% F
(8) BoA Cash Rewards WMC: 9.99% F
* Andrews FCU go-to APR used to be 8.49% V, but they lowered it to 6.99% V as an unexpected but pleasant surprise about 1-2 billing cycles ago.
@GApeachy wrote:Nice lineup @Anonymous , I just looked at mine and realized I don't have as much as I thought I had if I remove the AU's, the Biz and the LOC. Lol, I was surprised.
Poverty 
@Aim_High wrote:
@Repairman wrote:
@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.
That's fantastic. I didn't even know no cash advance fee cards existed.
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%.
This is a neat trick with USAA, I had no idea!
This made me look at some of my cards for this in particular. My SDFCU card has my lowest APR. It allows Cash advances at the standard 9.24% APR and no fee if done over the counter at a bank, $3 if done at an ATM. This card in particular has my total Cash Advance limit as the same as my Credit Limit and I recently noticed that, might contribute to the conservative nature of the card. For another example, my Amex cards all have Cash Advance limits that are 20% of my total Credit Limit and they charge more interest on them than normal, from 18.24% to 24.9%.
For AOD, do they let you have the total Credit Limit as a Cash Advance or is it a percentage? I still can't decide if I'm going to app for it after the demise of the USAlliance 3% in less than a year.
Is everyone else's Amex Cash Advance limit 20% of the total Credit Limit?
@digitek wrote:
@Aim_High wrote:
@Repairman wrote:
@Bockrocker wrote:... USAA Rate Advantage @6.9% ... 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.
That's fantastic. I didn't even know no cash advance fee cards existed.
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%.
This is a neat trick with USAA, I had no idea! ... For AOD, do they let you have the total Credit Limit as a Cash Advance or is it a percentage? I still can't decide if I'm going to app for it after the demise of the USAlliance 3% in less than a year.
My AOD FCU Visa has the same Cash Advance limit as Revolving Credit limit of $25K, @digitek. I just had to check since I never do Cash Advances, but it's a nice tool to have available. In looking at statements, I see my PenFed Power Cash Rewards also offers effectively 100% of limit as either Cash Advance or Revolving Credit Limit. My limit is $41.7K and Cash Advance is $40K. So there are two popular credit union examples that give you a full 100% as cash advance!
@galahad15 wrote:Sorry -- coming into the convo a lil late here, mostly bc of not having an opportunity to participate on the forum much recently, bc of ultra-long work hours at the office these days
All of my APRs are in my signature line, but the cards that I am personally the most pleased with are the ones below, listed in order from the current lowest APR to current highest, all with no AF:
(1) Unify FCU Variable-Rate VISA: 4.99% V
(2) BEFCU VISA: 5.49% F
(3) FNBO Amex: 6.25% V
(4) Andrews FCU VISA: 6.99% V *
(5) AOD FCU VISA: 7.49% F
(6) PACU MC: 7.50% F
(7) Unify FCU Fixed-Rate VISA: 8.99% F
(8) BoA Cash Rewards WMC: 9.99% F
* Andrews FCU go-to APR used to be 8.49% V, but they lowered it to 6.99% V as an unexpected but pleasant surprise about 1-2 billing cycles ago.
@galahad15 concerning APR's, that is an impressive line-up!
@Credit4Growth wrote:@galahad15 concerning APR's, that is an impressive line-up!
Many thanks for the kind words @Credit4Growth !
@woodyman100 wrote:Life has been getting in the way so this is not a complete list nor are the APR's updated to reflect pandemic adjustments.
I have closed a few lately. FNBO shut down my 2 rewards cards and BBVA closed my Amex for 3 years of non use.
Apple 1
1
33000
15.99
Apple 2
0
17000
15.99
John Deere
0
17500
0
AOD Sig
0
10000
7.49
EECU CC
0
20000
13.99
EECU LOC
0
5000
7.99
NFCU Flagship
0
80000
11.49
NFCU CLOC 1
0
15000
13.90
Amex BCP
0
17300
21.24
Amegy Reserve
0
20000
12.00
Sams Club
0
10000
26.99
Citi DC
0
17700
15.74
Signature Plat
0
10000
7.99
Rural King
0
15000
ICCU plat
0
25000
ICCU
0
25000
13.99
BofA Platinum 1
0
17000
13.99
BofA Rewards 2
0
11000
15.99
BofA Platinum 2
0
13000
13.99
QS 2
0
27050
21.99
GM CC
0
2500
23.99
Venture 1
0
25000
23.49
Cabelas 1
0
24000
15.74
Cabelas 2
0
15000
19.74
NFCU Flagship 2
0
80000
11.49
NFCU CLOC 2
0
15000
13.90
Discover 1
0
15700
16.74
Discover 2
0
12000
19.74
Discover 1(2)
0
4300
19.74
Discover 2(2)
0
13500
15.99
Chase United
0
50000
15.74
Amex Green
0
15000
Amex Delta
0
17200
23.24
Avianca
0
19800
13.49
Mr Cooper MC
0
18400
18.00
Banco do Brasil
0
5000
Drury
0
17000
16.49
State Farm
0
3000
BB&T 1
0
5500
13.24
BB&T 1(2)
0
10500
13.24
BB&T 1(3)
0
10500
13.24
BB&T 2
0
6500
15.24
BB&T 2(2)
0
6500
13.24
BB&T 2(3)
0
9000
15.24
BB&T 2(4)
0
6500
15.24
Home Depot 2
0
20000
26.99
Home Depot 1
0
20000
26.99
Lowes
0
35000
26.99
Pay Pal 2%
0
20000
20.99
Citi Simplicity
0
2800
21.24
Citi Rewards
0
15000
17.49
Citi Costco
0
11500
Macys
0
25000
26.49
SoFi
0
12500
19.99
Regions 2
0
15000
19.49
Regions 1
0
7500
21.49
HSBC
0
7250
16.99
FNBO Platinum
0
30600
11.74
Usaa Visa sig 2
0
30000
17.89
Usaa Amex 2
0
15000
17.90
Usaa Amex 1
0
32000
14090
Usaa Sig Visa 2
0
15000
16.90
Chase Marr Busin
0
17900
NFCU Busin CC
0
10000
12.15
Amex Simply Cash
0
13500
Amex blue Busine
0
13500
19.24
Amegy Business
0
20000
14.25
Lowes Business
0
25000
0
NFCU BCLOC
0
5000
Sam’s Club Busine
0
10000
24.40
BofA Business
0
8000
0
Hatch
400
QT
-800
10000
That is a lot of cards. More than most individuals would have. Overall your average APR also appears to be on the low end ( for the FI that you have dealing with). Nice!
I just wanted to say that... you really do have a lot of cards...! Way more than what i could phathom to handle, so kudos to you!