Whats Lowest Regular APR you can get on a card

[Anonymous]

Whats Lowest Regular APR you can get on a card

[Anonymous]

0% from Decatur Earthmover CU. 

Some CUs offer variable rates that are fixed to the prime rate. Like Space Age FCU has a card with a 4.75% interest rate. 

Bank cards generally bottom out around 9% give or take unless you're talking about special offerings like FNBO's prime card that had prime for interest and a $49 AF.  

[issac2x]

BEFCU visa platinum at 4.99% APR. Have to be a member of their affiliated companies or have family that is though.

[pinkandgrey]

I don't know what the absolute lowest would be (other than zero, of course), but many CUs offer as low as 5-7% to their best customers. You're pretty unlikely to see rates anywhere near that low with a major bank card.

[soxfaininfl]

Credit unions consistently seem to offer the lowest and best interest rates on their credit cards. The big creditors like Amex, Chase, Citi, Discover, Capital One and BOA don't offer rates as low as credit unions. I will always get an auto loan from a credit union. They always offer that lowest interest rates on auto loans too.

[Cred4All]

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@pinkandgrey wrote:

I don't know what the absolute lowest would be (other than zero, of course), but many CUs offer as low as 5-7% to their best customers. You're pretty unlikely to see rates anywhere near that low with a major bank card.

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Agreed. The NFCU Platinum is 7.49% which is low in my book. Any lower as stated above and I'd be impressed to hold one of those!

[wasCB14]

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@Anonymous wrote:

0% from Decatur Earthmover CU. 

Some CUs offer variable rates that are fixed to the prime rate. Like Space Age FCU has a card with a 4.75% interest rate. 

Bank cards generally bottom out around 9% give or take unless you're talking about special offerings like FNBO's prime card that had prime for interest and a $49 AF.  

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...which I see has a $1500 CL, so the practicality depends on spend!

[Anonymous]

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@wasCB14 wrote:

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@Anonymous wrote:

0% from Decatur Earthmover CU. 

Some CUs offer variable rates that are fixed to the prime rate. Like Space Age FCU has a card with a 4.75% interest rate. 

Bank cards generally bottom out around 9% give or take unless you're talking about special offerings like FNBO's prime card that had prime for interest and a $49 AF.  

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...which I see has a $1500 CL, so the practicality depends on spend!

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I didn't see that limit but I just went and looked and saw it in the terms. That's pretty pitiful for requiring a $10K relationship to get it to begin with.

The turn off for me was 10%/$50 minimum payment. I figured there had to be more hoops which is why I opted out of making a thread about it when I found it like a week ago. 

I did actually find out that I can get into Space Age but I am not sure that they would give me the 4.75% card since they assign you a card based on your credit at either 14.9%, 8.25%, or prime. Not worth a trip out of the garden. 

[K-in-Boston]

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@soxfaininfl wrote:

Credit unions consistently seem to offer the lowest and best interest rates on their credit cards. The big creditors like Amex, Chase, Citi, Discover, Capital One and BOA don't offer rates as low as credit unions. I will always get an auto loan from a credit union. They always offer that lowest interest rates on auto loans too.

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Except for manufacturer-sponsored financing, of course.  Plenty of sub-1% and even 0% deals to be found there.

In addition to credit unions' modern offerings, there are many legacy bank-issued cards still around with a low fixed or variable APR.

[Anonymous]

My local CU offers a rewards Visa as low as 7.90%. That's going to be the card that gets me out of the garden in April. Been with them for over 30 years, had multiple car loans and a mortgage through them, so I anticipate it'll be a good one to pick up.