What's the lowest CC APR you know?

Shooting-For-800 · ‎05-22-2017

Capital One sends me 0% for 18 months with 2% transfer fee offers periodically on existing cards.

Since I get 1.5% and 2.0% back, I can write myself a check then use my cards and hold money for 18 months without paying interest or fees.

Rebuild started in 2014 - $100k unsecured credit in 2017 - $500k unsecured credit in 2024.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

Anonymous · ‎05-22-2017

@Shooting-For-800 wrote:
Capital One sends me 0% for 18 months with 2% transfer fee offers periodically on existing cards.

Since I get 1.5% and 2.0% back, I can write myself a check then use my cards and hold money for 18 months without paying interest or fees.

I thought it was advised to request no hassle checks for that. And that regular cap1 bt checks are not to be used to write to yourself...?

Shooting-For-800 · ‎05-22-2017

@Anonymous wrote:
@Shooting-For-800 wrote:
Capital One sends me 0% for 18 months with 2% transfer fee offers periodically on existing cards.

Since I get 1.5% and 2.0% back, I can write myself a check then use my cards and hold money for 18 months without paying interest or fees.

I thought it was advised to request no hassle checks for that. And that regular cap1 bt checks are not to be used to write to yourself...?

I have used the blank checks as well as requested no hassle checks and all went into my bank not a BT.

Works well especially for a big purchase (out of country vacation for us.)

I think it depends on your status just like the length and transfer fee.

I get 2% fee and 18 months 0% but have seen higher for shorter period of time.

What is really nice is that they tell you exactly what you need to pay each month to make sure your new purchases do not cost you any interest also.

Payments over the minimum monthly payment go towards to highest interest rate balances first.

Very happy with Cap One. Made well over $1000 last year without paying any interest just using my cards to pay for anything and everything.

Rebuild started in 2014 - $100k unsecured credit in 2017 - $500k unsecured credit in 2024.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

Anonymous · ‎06-09-2017

The lowest APR cards I have are:

Houston FCU - Prime Lock Visa, prime + 0%, $50 annual fee. Trans Union FICO V9 minimum 730 score to qualify.

Space Age FCU - Platinum Visa, prime + 0%, no annual fee. Experian FICO V2 minimum 740 score to qualify.

Halliburton Employees' FCU - Platinum Visa, prime +0.75%, no annual fee, 10k max limit. Experian FICO V2 minimum 690 score to qualify.

Unify Financial FCU - Platinum Visa, prime + 1.74%, no annual fee. Experian FICO V2.

Sandia Area FCU - Mastercard, prime + 1.74%, no annual fee. Experian FICO V2. No more than 4 account openings in the last 12 months to be approved.

America's Credit Union - Platinum Visa, prime + 2.04%, no annual fee. Experian FICO V8 720 and above for best rate.

Inspirus CU - Platinum Visa, prime + 2.59%, no annual fee, 20K max limit. Experian FICO V8 minimum 720 to qualify.

Kitsap Credit Union - Gold Visa, prime + 2.90%, no annual fee. Experian FICO V8.

American Lake CU - Platinum Visa, 6.9% fixed rate, no annual fee. Experian FICO V2 minimum 720 to qualify for best rate.

Rivermark Community Credit Union - Platinum Visa, 6.9% fixed rate, no annual fee. Equifax FICO V8 minimum 760 to qualify for best rate.

Wright-Patt Credit Union - Platinum Low Rate Visa, prime + 3%, no annual fee. Experian FICO V8 minimum 720 to qualify for best rate.

stellar · ‎06-09-2017

Great info! Thanks everyone for your willingness to share!

Anonymous · ‎06-09-2017

I just looked that one up.. wow .. where have I been?

Space Age Platinum Visa® Credit Card

A Variable Rate Equal to Prime Rate, Currently 4.00%APR*

Anonymous · ‎06-11-2017

@Anonymous wrote:
The lowest APR cards I have are:

Space Age FCU - Platinum Visa, prime + 0%, no annual fee. Experian FICO V2 minimum 740 score to qualify.

Welp time to move to Lowry County, Colorado!

Anonymous · ‎06-11-2017

@Anonymous wrote:
@Anonymous wrote:
The lowest APR cards I have are:

Space Age FCU - Platinum Visa, prime + 0%, no annual fee. Experian FICO V2 minimum 740 score to qualify.

Welp time to move to Lowry County, Colorado!

No need to move. Anyone can join Space Age CU by becoming a volunteer member of the Rocky Mountain Road Runners (www.rmrr.org) for $10. Credit union will send you an application to sign during account opening process.

Anonymous · ‎06-12-2017

My lowest is capital one at 7.9% fixed, I got it <1yr out of Ch7 (acquired card in 2009 some time). It started as a Platinum card w/ $300 limit, limit increases $300-$500-$1000-$1500-$2500 (product change to a QS card) $3000-$3500-$4500-$5500 (just asked for another product change to Venture with out the annual fee...can't complain, they've been good to me too.

galahad15 · ‎06-12-2017

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
The lowest APR cards I have are:

Space Age FCU - Platinum Visa, prime + 0%, no annual fee. Experian FICO V2 minimum 740 score to qualify.

Welp time to move to Lowry County, Colorado!

No need to move. Anyone can join Space Age CU by becoming a volunteer member of the Rocky Mountain Road Runners (www.rmrr.org) for $10. Credit union will send you an application to sign during account opening process.

I just called Space Age CU to inquire about joining using the Rocky Mountain Road Runners membership eligibility option, but the CU said that they are no longer using that as valid criteria for persons joining the CU outside of Colorado Sadly, they said they no longer accept any new CU memberships for people outside Colorado