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What are your APRs?

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Isacking97
Regular Contributor

What are your APRs?

To help others

 

What is your lowest apr of all your credit crard?

What bank?

How old is that card?

 

(OPTIONAL: Add any advice to get a lower APR)

 

 

17.49%

Amex

11 months

 

 



Starting Score:EX: 713 EQ: 698
Message 1 of 18
17 REPLIES 17
Anonymous
Not applicable

Re: What are your APRs?

I know this isn't the answer you are looking for, but I offer my response simply to offer another perspective.  I don't know any of my APRs.  Since I PIF every month and never will pay a penny of interest, rates are irrelevant to me so I have no idea what any of them are.

Message 2 of 18
fltireguy
Valued Contributor

Re: What are your APRs?


@Isacking97 wrote:

To help others

 

What is your lowest apr of all your credit crard?

What bank?

How old is that card?

 

(OPTIONAL: Add any advice to get a lower APR)

 

 

17.49%

Amex

11 months

 

 


@Anonymous.15 - Navy Cash Rewards @$20K  8/2016

@Anonymous.74 - Chase @$5k  2/2017

@Anonymous.9 - PenFed @$15K 12/2016

 

and then up from there

NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 3 of 18
Creditplz
Valued Contributor

Re: What are your APRs?

15.99% Costco Visa
16.15% Cabelas VS
Are my two lowest.. highest are

Chase Ritz (highest apr I think 23.xx%)
Message 4 of 18
Anonymous
Not applicable

Re: What are your APRs?

Lowest:
15.49% Marvel MasterCard
Synchrony
Opened July 2016


Highest:
27.49% HSN
Comenity Capital
August 2016


My lowest lowest would be:
0% Von Maur Charge
Von Maur
January 2016
Message 5 of 18
peghede
Valued Contributor

Re: What are your APRs?

5.65% APR(Cap 1)F

Message 6 of 18
Schwartzinator
Frequent Contributor

Re: What are your APRs?

Lowest
11.24%
Discover
April 20160

Highest
20.49%
Chase
February 2017

Message 7 of 18
K-in-Boston
Epic Contributor

Re: What are your APRs?

Not counting 0% promos, my shiny new NFCU Visa Signature Flagship Rewards at 10.49%. I have had it for like 2 hours. LOL Prior to that my lowest was my Citi Diamond Preferred at 12.24% since my NASA shot up to 12.4%. Most of my actual bank cards are 13-16ish but those are either on super low promo APRs or always PIF.
Message 8 of 18
Gollum
Established Contributor

Re: What are your APRs?


@Isacking97 wrote:

To help others

 

What is your lowest apr of all your credit crard?

What bank?

How old is that card?

 

(OPTIONAL: Add any advice to get a lower APR)

 

 

17.49%

Amex

11 months

 

 


8%

Simmons Bank

Five or six years

It doesn't hurt to call your credit card's bank to ask for a lower interest rate.

Credit Scores: (FICO 8) 844 Experian October 2025, 836 TransUnion September 2025
Credit Cards (newest to oldest): U.S. Bank Cash+ $17,300 | NFCU Platinum $25,000 | BECU Cash Back $12,500 | American Express BCE $9000 | Simmons Bank Visa $10,500 | Capital One Quicksilver Visa Signature (upgrade from Quicksilver Visa Platinum, which was a PC from No Hassle Miles Rewards Visa Platinum) $5000
Message 9 of 18
Anonymous
Not applicable

Re: What are your APRs?

Lowest here is Amex BCP at 13.74
Highest I think is Citi DC at like 21.49
They won't lower it for me for some reason don't know why I try because.
All my cards have 0 in interest charges for the last several years.
Message 10 of 18
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