Some possible suggestions that are currently open to new apps -- and that anyone can app for, afaik (disclaimer: I also have some of cards listed below myself in my current collection). The credit for the source of these card options go to the poster themanwhocan and his low-APR card list (post #7 in the link):
1. Unify FCU Variable-Rate VISA: as low as 6.74% V*, no rewards program (formerly known as Western FCU)
2. Premier America CU Premier Privileges Rewards MC: currently as low as 8.45% F**, ~1.5% rewards program
3. Unify FCU Fixed-Rate VISA: as low as 8.99% F***, no rewards program (formerly known as Western FCU)
The BEFCU VISA card as low as 4.99% F with rewards may also be an option, but there is some uncertainty if it may presently be open to new apps outside of California(?). There may additionally be other low-APR cards such as the PenFed card I believe an earlier poster had mentioned iirc and if you qualify for membership, a USAA card somewhere around 8.XX% V, but in mho, the ones above are the best of the best, if you are looking for a low-APR card, and if you are not potentially able or eligible to app for some of the geographically-restricted, low-APR cards listed in themanwhocan's low APR card chart. (Just for example, the Sunflower Bank card with APR of 6.00% V is geographically restricted to the state that it has bank branches in; I tried to app outside of the geo restrictions but was denied for not being in the bank's geo footprint.)
*To qualify for the lowest APR, you need a FICO EX Score 2 (Auto version?) of at least 740-750 or higher.
**For the lowest APR, you need a FICO EX Score (exact version uncertain?) of at least 730 or higher.
***For the lowest APR, you need a FICO EX Score 2 (Auto version?) of at least 740-750 or higher, *and* a minimum SL of $15k or more.
With the kindest respect and admiration intended to my fellow posters on the forum, I'm going to have to politely go against the popular consensus and groupthink on the forum that cards with very low go-to and ongoing APRs are necessarily an undesirable thing, or that they are impossible to come by in the current credit environment 
Yes, they may be relatively scarce or rare to find, but the 3 cards I listed in my post above are cards that anyone can app for, as far as I best aware, and are not geographically restricted -- the PACU MC even has a rewards program. Don't get me wrong, I love rewards-generous cards that are much more likely to have much higher APRs as well, and carry some of them too, as shown in my signature. But IMO, an exceptionally low-rate, single-digit APR card can be a powerful tool for the purposes of obtaining a low-interest loan, if used responsibly and not abused.
If you have had your BCE for more than one year and pay it down to 0, AmEx will likely give you a one year interest reduction on it. Mine just got an offer for 6.99% for one year. I took it, of course. Call them up.
@Anonymous wrote:
I am coming out of garden in Oct and planning to go on app spree. Below is my profile:
BofA credit card: $9000 CLI
AMEX Blue Cash Everyday: $6500 CLI
NFCU Visa Signature Go Rewards: $6500 CLI
NFCU Visa Signature Cash Rewards: $11500 CLI
AA: 1.6 yrs
No derogs
Score: 731 on both TU and EF
Hard enq: 14 on TU ( last query on Aug 2017) and 16 on EF (last query on March 2018)
I applied for Citi and Chase earlier (early 2017) but turned down as my profile is relatively new.
Any recommendations for credit cards from Penfed, Capital One, Discover, NFCU which have high CLI? Looking for zero annual fee and less APR.
The best places to find low APR credit cards are credit unions.
