Who has the LOWEST (Non-Intro) credit card APR? Image or it didn't happen.

[NRB525]

My Discover card has a no-fee BT for 12-months that is 4.99%, so really all my cards could be BT to that one if necessary. 

[galahad15]

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@baller4life wrote:

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@galahad15 wrote:

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@baller4life wrote:
Western CU goes as low as 4.99%

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I thought that Western/Unify's rate went up slightly after prime rate increased some months ago, to 5.24% V?  At least the last time I think I checked their website?

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According to their reps, the website has not been updated to reflect the new starting apr of 4.99%. And that bad boy is on my wishlist for 2017. Me like! 😜

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Thanks for the helpful update baller!    Also as a quick tip/FYI, IIRC when I spoke most recently to a Western/Unify Bank CSR IIRC, they mentioned that for credit score qualifications for their credit cards, they use FICO 2 Score, not FICO 8, in case that is hopefully of any help to anyone interested in their card products.

[CreditMagic7]

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@galahad15 wrote:

The forum poster named mister-endowed also has a Citi DC with a rate of 5.24% V, if i am hopefully recalling correctly?  I always thought that his rate was very, very impressive, especially for a 2% cashback rewards card...

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You are right and i remember engaging in that thread because that was of all things a Citi Card and it IS very impressive!

[morgacj2004]

Simmons bank is very low like 6.79% or close to that. Hard card to get though

[baller4life]

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@galahad15 wrote:

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@baller4life wrote:

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@galahad15 wrote:

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@baller4life wrote:
Western CU goes as low as 4.99%

---

I thought that Western/Unify's rate went up slightly after prime rate increased some months ago, to 5.24% V?  At least the last time I think I checked their website?

---

According to their reps, the website has not been updated to reflect the new starting apr of 4.99%. And that bad boy is on my wishlist for 2017. Me like! 😜

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Thanks for the helpful update baller!    Also as a quick tip/FYI, IIRC when I spoke most recently to a Western/Unify Bank CSR IIRC, they mentioned that for credit score qualifications for their credit cards, they use FICO 2 Score, not FICO 8, in case that is hopefully of any help to anyone interested in their card products.

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I didn't know that. Thanks a bunch. Looks like I will be keeping NASA around longer than planned (monthly EX Fico 2). Haha

[Themanwhocan]

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@longtimelurker wrote:

Isn't there a Prime card (FNBO or something) that has an AF < $100

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You're thinking of the FNBO Prime For Life card, but it has an $89 annual fee.

Houston FCU Prime Lock only has a $50 annual fee. 

And no, do not apply for these cards...

[longtimelurker]

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@Themanwhocan wrote:

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@longtimelurker wrote:

Isn't there a Prime card (FNBO or something) that has an AF < $100

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You're thinking of the FNBO Prime For Life card, but it has an $89 annual fee.

Houston FCU Prime Lock only has a $50 annual fee. 

And no, do not apply for these cards...

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Yes, < $100.       I thought some of the low APR chasers would have them, or maybe the AF puts them off (as it should!)

[Scupra]

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@NRB525 wrote:

My Discover card has a no-fee BT for 12-months that is 4.99%, so really all my cards could be BT to that one if necessary. 

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Key word is "non-intro"