What's your lowest APR on a CC?

[Anonymous]

I was curious to see some info in a single thread to see where the APR's are right now.

Please share your best APR cc's, who they are issued by and the CL.

For me, my best rates are:

5.24%, Addison Avenue Platinum Visa, $15k  (their best rate)

7.90%, NFCU Platinum Visa, $20k  (their best rate)

9.90%, USAA AMEX, $15k   (hope to request their best rate 7.75% in the future)

9.90%, USAA MC, $15k       (hope to request their best rate 7.75% in the future)

13.99%, BoA Plat Plus Visa, $10k   (no idea what a best rate for BoA would be)

Message Edited by Angel73 on 08-14-2009 06:55 AM

[Anonymous]

I went with a lot of reward cards, so not getting the best rates possible, but then I am getting some good rewards.  I just redeemed a $250 Chase Freedom Check for $200 rewards.

That 5.24% Addison looks pretty good, Angel!

Mine are

8.5% on Alliant Platinum Visa

9.65% on NFCU cashreward Visa

9.9% on PSECU Platinum Visa

[pattycake]

Mine is UFCU at 6.9%.  

[Anonymous]

My Chase Freedom Visa's APR is 3.74% (a Variable Rate of Prime+0.49%) .

I don't know how much longer that will last!

[FocusOnFICO]

Angel----I have several (for now) that are in a good range:

• First Command: 4.25% (until October, then 1% + prime, base of 7.25%)
• Simmons First: 7.25% (until October, then 7.25% variable to prime)
• Addison Avenue: 5.24% (expect this to remain there unless prime goes up)
• Citi Platinum Select: 8.24%
• Etc.

[Anonymous]

Schwab Visa: 5.15% standard

Merrill Plus: 9.99% standard

[Anonymous]

Direct Merchants Bank MC (HSBC) 6.99%F (Non-intro promo)

Citi DP MC 6.99%V

BofA AMEX 9.99%V

Discover More 9.99%V

[MarineVietVet]

Discover More 15.24% V

Cap 1 Visa Platinum 17.90% V

Best Buy 20.99% F

Care Credit 21.98% F

Citi Platinum Select 24.99% V

BoA Platinum Plus Visa 25.99% V

BoA Platinum Plus MC 25.99% V

All but Best Buy and Care Credit have rate jacked me in the past year (Best Buy and Care Credit had already been doing that ) but I don't pay interest so I don't care. 

7/09 (myfico)
TU-742
EQ-779

CC interest free as of 8/09
Time can heal all wounds and a low FICO.
"Hello my name is Sandy and I'm a recovering crediholic".

[Anonymous]

until  next april when my cap1 goes to 15.9V my index is update every 3 months right it's 5.14V

[Anonymous]

NFCU Platinum.... 7.9%

Chase Platinum.... 8.24%(no AA yet)

Truwest(local CU). 8.9%

State Farm Bank.. 9.9%

US Bank Platinum 9.9%

Discover More.......10.24%