There's a CU here in CO that has a prime rate card - currently 5%
It is crazy geofenced though. I can't even get in and I live in the same county. They want you to live and work in a small part of town.
"You are automatically eligible for membership if you or a member of your immediate family is employed or associated with any of our Company Affiliates. You are also eligible for membership if you live, work, worship or attend school within the Lowry Community."
Arapahoe Credit Union, which is open to everyone in CO but nobody else, has a secured card with a fixed 4.9% APR which is kind of unique. Their regular card is a fixed 9.9% or 12.9% though and I'm sure people can make more off their money with it not tied up in a secured card.
Their website leaves a lot to be desired but they do support the CardNav app that many CUs use to control their cards.
I wonder is there a credit card that has a very low rate thats “hard” to get ? Mine is a 7.34% i believe for platinum
That's a nice interest rate. Which credit card is that?
I have the BEFCU card at 5.49% F which is just a little higher than the lowest-available rate of 4.99%, but was really only able to get it bc I apped prior to the geofence. I believe there is another myfico forum user who received a BEFCU card at somewhere around 7.xx% F, again iirc she apped before the geofence went into effect.
EPFCU also has a low-APR card as low as 7.25% V (the website lists it as 7.50% V, but that was as of prior to the last Fed rate reduction), together with 1% rewards for every dollar spent. I apped for and was recently approved for this card, at the 7.25% V rate
Website link: https://www.epfcu.org/loans/credit-card.aspx
I have a card from FNBO that is "prime" as well (currently 5%). Has an AF of $49 though and the no longer offer it.
Reading this thread and its predecessors taught me that my old BankAmericard with an APR of Prime + 1.99 (currently 6.74%), rewards and no AF is a pretty darn good card.
Thanks to all who shared their info!